Don't invest unless you're prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

Risk Summary

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.

What are the key risks?

1. You could lose the money you invest

  • Many peer-to-peer (P2P) loans are made to borrowers who can’t borrow money from traditional lenders such as banks. These borrowers have a higher risk of not paying you back.

  • Advertised rates of return aren’t guaranteed. If a borrower doesn’t pay you back as agreed, you could earn less money than expected. A higher advertised rate of return means a higher risk of losing your money.

  • These investments can be held in an Innovative Finance ISA (IFISA). An IFISA does not reduce the risk of the investment or protect you from losses, so you can still lose all your money. It only means that any potential gains from your investment will be tax free.

2. You are unlikely to get your money back quickly

  • Some P2P loans last for several years. You should be prepared to wait for your money to be returned even if the borrower repays on time.

  • Some platforms may give you the opportunity to sell your investment early through a ‘secondary market’, but there is no guarantee you will be able to find someone willing to buy.

  • Even if your agreement is advertised as affording early access to your money, you will only get your money early if someone else wants to buy your loan(s). If no one wants to buy, it could take longer to get your money back.

3. Don’t put all your eggs in one basket

  • Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.

  • A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

4. The P2P platform could fail

  • If the platform fails, it may be impossible for you to collect money on your loan. It could take years to get your money back, or you may not get it back at all. Even if the platform has plans in place to prevent this, they may not work in a disorderly failure.

5. You are unlikely to be protected if something goes wrong

  • The Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover investments in P2P loans. You may be able to claim if you received regulated advice to invest in P2P, and the adviser has since failed. Try the FSCS investment protection checker here.

  • Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated platform, FOS may be able to consider it. Learn more about FOS protection here.

If you are interested in learning more about how to protect yourself, visit the FCA’s website here. For further information about peer-to-peer lending (loan-based crowdfunding), visit the FCA’s website here.

Trusted Borrowing Partner

Peer-to-Peer Lending In Real Estate

Earn interest on our real estate loans by joining our network of family offices, institutions, and high-net-worth individuals

Sign Up

As seen in

Why Invest With Us

At Blend Network, we are committed to supporting our vetted developers and facilitating efficient project completions. With our asset management platform, we aim to provide quality peer-to-peer lending opportunities. Our priority is to assist our trusted developers and our esteemed network of lenders every step of the way.

Returns between 8%-12% p.a.

No returns are guaranteed, don’t invest unless you’re prepared to lose money.

Asset backed

All loans are secured against first charge on the property.

Due diligence

A team of ex-bankers carry out due diligence on all loans.

Transparent

All loans come with detailed and comprehensive information

User-friendly

Our platform is user-friendly, easy to use and fully secured.

Returns between 8%-12% p.a.

No returns are guaranteed, don’t invest unless you’re prepared to lose money.

Asset backed

All loans are secured against first charge on the property.

Due diligence

A team of ex-bankers carry out due diligence on all loans.

Transparent

All loans come with detailed and comprehensive information

User-friendly

Our platform is user-friendly, easy to use and fully secured.

OUR LATEST DEVELOPMENTS

We fund projects by experienced and vetted developers following thorough due diligence. As such, we offer two to five projects per month. Take a look at some of our recent opportunities:

sign up

Hear from Our Community

Sangeetha M.

A fantastic opportunity to invest in syndicated property loans without hassle. I like how Blend presents the information on each deal very clearly and transparently and it feels like the due diligence on each deal is very strong.

N.B.C

The Blend team were very friendly and easy to work with. They offered guidance and support where needed, and were very quick in responding to emails and answering calls.

Tamiris S.

My experience using Blend has been good. I find the company is very transparent and people are very knowledgeable. The information packs provide detailed information and this gives me confidence that they’ve done their due diligence.

Tim T.

I've enjoyed using Blend Network for 3+ years now, as a simple way to diversify my investment portfolio. The platform is simple to use and they communicate well by keeping you up to date with projects you have invested in.

Maria H.

This is such an easy platform to use for investment. You are completely in control of when and how much you invest and the detail given for each project is very reassuring. My first investment paid back well ahead of time so I'm already looking forward to funding the next project.

How it works

1

Register

Register and you will quickly be able to view any current loan opportunities.

2

Activate

Activate your account online with our KYC system and in-built appropriateness assessment.

3

Select and invest

Select projects manually or use AutoLend tool to automatically deploy capital across loans that match your pre-selected criteria. Minimum investment amount is £1,000 per project.

4

Support

Whenever you need us, we’re here to answer any questions via email.

sign up

Kieran Reynolds

Union Build

INVEST IN PROJECTS BY PROPERTY DEVELOPERS VETTED BY BLEND