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Compare Peer To Peer Lending

P2P (peer to peer) lending is when investors lend their money via a platform direct to a business, individual or against a property/asset at an agreed rate. There is no guarantee against losses, however some P2P lenders have a provision fund, secure the debt against an asset or spread the risk amongst multiple loans. See our P2P guide.


Mezzanine finance is designed to fill the gap between the bank's lending and the developer's equity contribution and is held with a second legal charge which potentially carries higher risks but offers you the opportunity of higher returns. This type of investing was until recently only available to financial institutions and high net worth individuals.  

term: 1 - 24 months min. investment: £1,000 return: up to 14.00%*
* provided on 16/01/2020

There are more than 200 properties built, or currently in development with a Gross Development Value of over £52m.

Invest in property developments from as little as £1,000. A typical term lasts for 12 months. The typical return rate is 10% per annum. the investments are secured by a legal charge against the land/property.

Their projects have full planning permission in place (unless otherwise stated), use large, reputable contractors, contractors are supervised by a professional employer's agent and have independent RICS qualified fund monitor providing regular site visit valuations.

term: 12+ months min. investment: £1,000 return: up to 10.00%*
* provided on 16/01/2020

Earn up to 9% p.a. on secured peer to peer bridging loans via their peer to peer lending platform. The Housecrowd offers a range of products allowing you to choose your own level of risk and gives you a simple investor dashboard allowing you to manage your investments easily. A minimum investment of £1000 is required.

term: 3 - 12 months min. investment: £1,000 return: up to 9.00%*
* provided on 16/01/2020

This auto-invest product is available on UK bridging and development loans with an average loan to value (LTV) of 75%  and minimum terms of 12 months.

Automatically spreads your investment risk across their secured property loan portfolio that matches the above criteria.  Funds will earn interest 365 days a year with no downtime between investments.  There is a choice of receiving your interest twice a year or compound your interest. 

Minimum term is 12 months thereafter you can withdraw your funds with 30 days notice (subject to normal market conditions and the minimum term)

term: 12+ months min. investment: £1,000 return: up to 7.00%*
* provided on 21/01/2020

This auto-invest product is available on UK bridging and development loans with an average loan to value (LTV) of 70%  and minimum terms of 12 months.

Automatically spreads your investment risk across their secured property loan portfolio that matches the above criteria.  Funds will earn interest 365 days a year with no downtime between investments.  There is a choice of receiving your interest twice a year or compound your interest. 

Minimum term is 12 months thereafter you can withdraw your funds with 30 days notice (subject to normal market conditions and the minimum term)

term: 12+ months min. investment: £1,000 return: up to 6.00%*
* provided on 21/01/2020

This auto-invest product is available on UK bridging and development loans with an average loan to value (LTV) of 60%  and minimum terms of 12 months.

Automatically spreads your investment risk across their secured property loan portfolio that matches the above criteria.  Funds will earn interest 365 days a year with no downtime between investments.  There is a choice of receiving your interest twice a year or compound your interest. 

Minimum term is 12 months thereafter you can withdraw your funds with 30 days notice (subject to normal market conditions and the minimum term)

term: 12+ months min. investment: £1,000 return: up to 5.00%*
* provided on 21/01/2020

This is a short term investment product with an attractive rate of interest and quick access to your funds.  There is no need for the loan to be repaid as The Housecorwd crowdfund and recycle the money quickly, thus providing greater liquidity for investors.  The account requires notice for you to access your funds and they will repay your capital within 30 days.  It is also noted that "Only in the event we could not crowdfund out the funds would the repayment be dependent on the borrower repaying"

There is the opportunity to earn 4.5% p.a on your investment for the first six months and the rate changes to 4% p.a thereafter. The size of this fund is restricted to help ensure investor liquidity. 

Restrictions on withdrawal. The Housecrowd may restrict investors drawing out more than £25,000 per investor per month if they have an unusually large amount of requests simultaneously

Interest is calculated daily and paid on April 30th/Oct 30th each year.  Interest due is pro-rated if sums are withdrawn.

term: 1 - 6 months min. investment: £3,000 return: up to 4.50%*
* provided on 16/01/2020
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