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  • *For a limited time all new investors receive a £50 investor bonus. Terms apply.

  • Lendy receives full FCA authorisation Read more …

Supercharge your investments with Lendy, the high income P2P property platform

Join our property investment community today and earn from 7% to 12% pa plus bonuses.

As featured in:

£406,688,917

Amount raised with us

21,561

Registered users

£41,622,046

Investors have earned

Why invest with Lendy?

We're one of Europe's leading peer-to-peer secured property lending platforms

At Lendy we have a reputation for having one of the most experienced and specialist credit assessment teams in the industry, who ensure each investment loan has met our rigorous and robust lending criteria. We only offer investors loans to invest in that have been through our rigorous and streamlined due diligence, credit and legal checking.

Why invest with Lendy?

Our investors talk about their experience of investing with us

"You know exactly where you stand all of the time, you can just sit back, relax and watch every month for your money to accumulate which is the bit I like about it."

Gerry Haynes - Investor

"I love the ability to control exactly where my money's gone, invest in different projects and get great return on my money."

Benj Street - Investor

Three reasons to invest with Lendy

Fast and easy

Fast and easy

It's a fast and easy signup process. You can fund your account immediately and start earning on your funds within minutes of your first click.

Simple to use

Simple to use

By monitoring the loans and updating the portfolio we take all the hard work out of your investment. All you have to do is choose your investment, fund your account and begin earning a good return.

Helps the economy

Helps the economy

With peer-to-peer loans you are supporting the release of funds for projects that benefit the UK economy

Investing opportunities

Browse our loan portfolio

Questions you might have

Our top five most frequently asked questions

How much can I invest?

We do not have a maximum amount you can credit to your account. The maximum amount of investment you could make to a project is 100% of the required loan, however it is unlikely you would achieve this owing to the current demand for our projects. There is no minimum investment amount. Funds that you credit to your account but are not committed to a project can be withdrawn at any time.

Can I authorise someone to operate my Lendy account on my behalf?

There may be times and situations when you need others to access your Lendy lender account. You are able to give someone you trust the authority to manage your Lendy account and handle your day-to-day investment activity on the Lendy platform. You can cancel the agreement at any time.

Lendy account holders are able to authorise another person (the “Nominee”) to operate their Lendy lender account on their behalf in two ways. This can be done either with (1) a Third Party Mandate; or (2) under a Power of Attorney. The appropriate route is to be determined by Lendy in light of the circumstances of each particular case.

In each case Lendy will need to be provided with:

(1)   a paper (original) certified copy of the Lendy account holder’s ID; and

(2)   a paper (original) certified copy of the Nominee’s ID.

Account holders who wish to enable a Nominee to operate an account on their behalf using a Third Party Mandate should fill out the Third Party Mandate Form and send this to the Lendy support team. Identity checks will be carried out on your Nominee for regulatory purposes.

Please note that in the event of Lendy becoming aware that an account is being operated by a Nominee who has not yet been authorised, Lendy will inform the account holder and the nominee of the steps required to be taken to authorise the operation of the account by the nominee. If the nominee is not authorised within ten working days of this notice, the account will be frozen pending completion of the authorisation process.

You should talk to your Nominee, so they understand exactly what you would like them to do on your behalf. Make sure they read the FAQs and the platform terms and conditions for the account they will have access to carefully.  Ask if they have any questions so you are both clear on what you would like them to do, and what you would like them to refrain from.

  • You and your Nominee must be aged 18 or over
  • Your Nominee’s access to your account will be cancelled if you become mentally incapable of managing your financial affairs, as defined by the Office of the Public Guardian (OPG), or in the event of your death
  • We can’t set a limit for any transactions made by your nominee, so you’ll need to monitor your accounts
  • There’s no charge to set up Third Party Access and you don’t have to be registered with the OPG
  • You can cancel Third Party Access at any time

Please remember that you are responsible for all information and activity on the platform by your Nominee. If you authorise any person to use your Lendy lender account other than yourself, you will be responsible and liable for their activity on the platform within your Lendy lender account.

What return can I expect?

Once you have invested in a project and the borrower begins servicing interest (typically once funds are drawn down) you will begin earning up to 12% annual interest on your capital immediately depending on the project that you have invested in. You will begin to earn interest when the loan is marked as “live’ and is shown under the Live Loans page here.

Interest is credited to your account in arrears on the first working day of each month.

When will my original investment be returned?

Your initial investment and any outstanding interest are credited to your account when the loan is fully repaid. The typical loan term is 6 months, however borrowers can repay the loan before the agreed end date. Once the loan is repaid in full we ensure your funds are returned immediately, allowing you to withdraw the balance or commit to new loans.

Please note that delays in loan repayments are a routine part of the process, and can often mean nothing at all as regards the final repayment of the loan. Delays can be caused by slow completion of a property sale, a refinance with a bank, by complications with planning permission, or by any number of other minor issues. Both borrowers and lenders in the market understand that delays happen regularly, and price that in accordingly.

To allow for this, Lendy has a 180-day tolerance period once a loan term comes to an end. This is to allow borrowers time to deal with these unavoidable delays and make repayments. Please see here for more information when Lendy deems a loan to be non-performing. Please do also refer to our Collections and Recovery Policy here.

What happens to my money?

When you open an account with Lendy you can choose to invest in any loans, subject to availability. On making an investment you are expected to arrange for Lendy to receive cleared funds within 2 working days, after which Lendy has discretion to cancel the loanpart allocated to you should it so wish. Funds not invested in a loan will be held in the Lendy Client Bank Account with Barclays Bank PLC. Interest is not paid on any such balances. When the loan is drawn down, all relevant funds are then transferred out of the Lendy Client Bank Account and passed to the Borrower or their solicitors.

Join our 21,561 investors and register for your account to start investing

It takes minutes to set up an account and begin earning up to 12% interest per year. To invest in a project complete your details below.