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.

Lend with us

Expertise, clarity and a singular focus on residential property finance.
Lenders' capital is at risk

Built on deep industry experience, independent monitoring and an unwavering commitment to credit, we’re delivering a peer-to-peer property finance service that puts you in control.

Invest & Fund website on laptop and phone
  • 100% focus on residential property and bridging finance
  • Deep expertise in credit risk assessment, property development and lending
  • Rigorous due diligence, credit assessment and external monitoring on every loan
  • Full loan documentation, credit reports, third party updates available to registered lenders
  • Lender and Credit Teams available via phone and face to face for all lender inquiries
  • Start lending from £2,500. Earn the full return, minus a lender fee
  • Auto-Lending feature allowing lenders to automate their investments

A clearer way to lend

Registering as a lender gives you access to full development proposals, detailed credit papers, loan documentation, third party reports and valuations for every opportunity on our marketplace.

Start Lending Now

Lenders' capital is at risk

Understanding risk

Before deciding to lend, you should make sure you understand the risks associated with residential property finance. To help with this, you can read about the different types of risks on our Understanding Risk page.

Two Ways To Lend

The Invest & Fund platform offers two ways to lend to opportunities on our lending and resale marketplace.

Step 1

Register at investandfund.com

Registration gives you access to our lending marketplace so you can see live loans, read our credit assessments and third party reports. To complete the process and start lending, we need to conduct identity and anti-money laundering checks. To do this, we ask for your date of birth, bank account details and address. In accordance with FCA regulations you will also be asked to declare your lender status and complete a suitability process to ensure that you understand property lending and the risks involved. We don’t share this information.

Don't have an account? Get one here.

Step 2

See Every Loan

When you register we give you full access to all the information we have on each loan, from our credit papers and assessments to in-house updates, independent surveyor and monitoring reports along with site photos and updates. We thoroughly review and assess every developer we work with and take security and legal charges on every loan. Our credit team and lender relations team are on hand to answer questions and deliver a trusted, valued service.

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Step 3

Deposit Funds

Once your account is open, deposit £2,500 in order to activate your account. As a non-retail lender you will now have the ability to self-direct lend across all of your accounts. Please note, your Auto-Lend will be turned on by default. In order to prevent Auto-Lending you will need to turn this off on your account dashboard.

Step 4

Choose And Lend

When you have activated your account, and you’re ready to lend, you simply bid on an opportunity you’re interested in via our Lending Marketplace. Remember, Lenders’ capital is at risk. We’ll allocate your bid to the development project and let you know when the developer has drawn down the loan - usually no longer than five days. From that point on, you're earning interest on your loan.

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Step 5

Monitor

We keep you updated as the development begins and regularly throughout the build. Our business development team visit every development site regularly and our panel of independent monitoring surveyors and valuers see each site before every release of funds throughout the project. We continue to monitor the project and update you through to project maturity.

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Step 6

Redeem

At the completion of a successful project, we’ll return your capital and your interest – repaid directly into your Invest & Fund account.

Step 7

Defaults, Early Repayments And Overruns

We do our best to find exceptional opportunities, but sometimes not everything goes to plan. Whatever the situation – a delay, a default or an early repayment – we have a team in place who have been there, done that and have a very clear understanding of the risks associated with property lending. We know we’ll be judged on the quality of the opportunities we put forward, so we do everything we can to deliver the best outcome for our lenders.

Step 1

Register at investandfund.com

Registration gives you access to our lending marketplace so you can see live loans, read our credit assessments and third party reports. To complete the process and start lending, we need to conduct identity and anti-money laundering checks. To do this, we ask for your date of birth, bank account details and address. In accordance with FCA regulations you will also be asked to declare your lender status and complete a suitability process to ensure that you understand property lending and the risks involved. We don’t share this information.

Don't have an account? Get one here.

Step 2

Deposit Funds

Once your account is open, deposit £2,500 in order to activate your account. Your Auto-Lend will now be turned on by default with our auto-settings. To alter these settings or to turn off your Auto-Lend completely, you can access your Auto-Lend page on your account dashboard. Please note, for retail lenders this will prevent your ability to lend via our platform until it is turned on again.

...

Step 3

Monitor

We keep you updated as the development begins and regularly throughout the build. Our business development team visit every development site regularly and our panel of independent monitoring surveyors and valuers see each site before every release of funds throughout the project. We continue to monitor the project and update you through to project maturity.

£

Step 4

Redeem

At the completion of a successful project, we’ll return your capital and your interest – repaid directly into your Invest & Fund account.

Step 5

Defaults, Early Repayments And Overruns

We do our best to find exceptional opportunities, but sometimes not everything goes to plan. Whatever the situation – a delay, a default or an early repayment – we have a team in place who have been there, done that and have a very clear understanding of the risks associated with property lending. We know we’ll be judged on the quality of the opportunities we put forward, so we do everything we can to deliver the best outcome for our lenders.

£438M+

Total Lent

6.75% - 7.50%

Average Loan Yield
(Prev. 12 Months)

946

Homes Funded

100%

Capital & Interest Paid Back

£323m+

Repaid to Lenders

Borrow with us

Experienced residential property developer? We’d love to hear from you

  • Residential development and bridging finance specialists
  • Loan sizes up to £10m
  • Sensible rates, flexible terms, deep credit structuring expertise
Talk to us

Lend with us

See every loan, read expert credit assessments, fund all or part of a loan

Lenders' capital is at risk

  • Gross interest rates from 6.50% on first charge residential development and bridging loans
  • Full loan documentation, credit reports, third party monitoring
  • Register easily, see everything, start lending
Start lending now

Introduce us

Broker or intermediary? Big or small, we’re ready to help.

  • 100% focus on residential bridging and development
  • Significant credit structuring and property expertise
  • Competitive introducer fees and full application support team
Talk to us