Please see below for our detailed repayment stats as of end of October 2019 with cumulative stats as of January 2020 in the section above. These list total dividends, interest and any capital repayments made in that month covering our B2L investments, development and P2P loans, as well as the year’s returns to date. You can also see our total cumulative returns from 2013, which you may also find helpful to know.
|Development and Bridging Data||2015||2016||2017||2018||2019||Cumulative @ 31/10/19|
|Default rates||11.1%||23.3%||39.8%||13.5%||0.0%||27.1%||*See note below|
|Currently in default||0.0%||6.7%||14.5%||9.6%||10.7%|
|No of loans completed||9||31||88||73||33||233|
|Total value of loans completed||£2,312,074||£16,095,000||£30,747,700||£25,086,000||£17,917,786||£91,758,660|
|Average loan period (months)||11||11||9||9||11||10|
|Average loan size||£256,897||£519,194||£349,406||£343,644||£542,963||£393,814|
|**No of loans due to be redeemed||9||30||83||52||3||177|
|**No of loans redeemed within tolerance||8||23||50||41||1||123||69.5%|
|**No of loans redeemed beyond tolerance||1||5||21||2||0||29||16.4%|
|**No of loans not redeemed within tolerance (still active)||0||0||0||4||2||6||3.4%|
|**No of loans in default (not redeemed beyond tolerance)||0||2||12||5||0||19||10.7%|
|Average late days||30.5||157.9||265.3||72.2||N/A||179.8|
|Average late days incl HCBC1 funded out||202.3||162.7||234.1||74.2||N/A||175.8|
|% of investor monies lost to date||0%||0%||0%||0%||0%||0%|
*Note- Actual default rates based on redeemed loans with a 180 day tolerance threshold.
**Note- Please note that redemption and default figures are based on the year the loan is made in eg. if a loan is made in 2017 and redeems in 2018 (even if late paying) the stats for it will be recorded in 2017.