IF YOU HAVE ANY CONCERNS WE’LL BE HAPPY TO ANSWER YOUR QUESTIONS
Security is key
We take your loan security very seriously.
We consider transparency to be one of the most important values for our business, and we want to help you understand every risk - no matter how small – before you start lending. As a professional lending business, we've taken steps to ensure everything we do is fully compliant with regulatory obligations. All your loans are secured against a charge on the property and in many cases against various other security instruments that protect your investment in the unlikely event of a borrower default.
Collectively, our team has over 100 years of experience in the finance and property sector.
Our solid track record comes from attention to detail, experience, and, in our opinion, an ability to accurately gauge risk vs reward, and we share that approach in our lending processes. We carefully vet each and every application manually, scrutinising the fine details to make sure your money isn’t going into the unknown.
We aim to make the process of property lending transparent.
We endeavour to ensure you will have access to the information you need to make an informed decision on your loan, up front. We also aim to keep legalese in all legal documents including the terms & conditions to a minimum.
Option to diversify
Making a variety of loans allows you to diversify and build your loan portfolio.
Rather than placing all of your money against one property, diversifying your portfolio across different borrowers, locations and property types helps to protect your interests.
We don’t lend to just anyone, every loan is carefully analysed.
By looking at Loan-to-Value (LTV), Interest-Coverage-Ratio (ICR), and a range of other metrics, our team gets a strong indication of how secure a loan will be for lenders. We have strict loan criteria that means only applicants meeting these standards will have the opportunity to receive a loan from you.