Our prime aim is to maximize investor returns and to minimise the risks for our investors by helping to ensure that all investments are repaid in full and on time.
To protect investors we have the following policies in place:
- Our loans are secured with a legal charge (a mortgage). This means the property can be sold if the loan becomes non-performing.
- Loans never exceed 70% Loan to Value (LTV). This means that if the borrower fails to repay the loan it is very likely that we’ll be able to recoup all funds from the sale of the security property.
- In the unlikely event that we are unable to recoup all the funds from the sale of the security we have put in place a discretionary Provision Fund to allow us to compensate investors should there be a shortfall.
Please see our half year 2017 report.