Key statistics

We’re committed to being open and transparent, so read below for information about our loans and performance.
  • £642m+

    Total lending to date
  • 2,590+

    Total mortgages funded
  • £861m+

    Total property value

Geographic mortgage coverage

Greater London 47.71%
South East 15.70%
North West 10.57%
South West 7.10%
East of England 6.97%
West Midlands 4.58%
East Midlands 3.47%
North East 2.50%
Wales 1.40%

Our mortgages

Mortgages 2,408
Average mortgage value £253,241
Average LTV ratio 70.76%
Average rental income vs. mortgage interest repayment 185.90%

Default and arrears rates

Loans originated in 2014 2015 2016 2017 2018 2019
Actual Arrears (> 45 days)* 0 0 0 1 1 0
Expected Defaults** 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
Actual Defaults*** 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

* Actual arrears (number of loans made in the calendar year).

** Expected defaults (as a % of all lifetime default rates of amount lent in the calendar year of the loan).

*** Actual defaults (a percentage of the total lent by the platform in the calendar year of the loan).

Fixed rate returns performance

Loans originated in 2014 2015 2016 2017 2018 2019
Actual annual return* † 4.25% 4.25% 4.25% 3.63% 3.49% 3.49%
Estimated annual return* 4.25% 4.25% 4.25% 3.63% 3.49% 3.49%
Realised %** † 100% 100% n/a 100% 100% 100%

* %, after fees and bad debts

** principal repaid excluding bad debts
† returns performance related to p2p investors

Tracker Rate Returns Performance

Loans originated in 2014 2015 2016 2017 2018 2019
Actual annual return* † 3.35% 3.35% 3.35% 2.91% 2.94% 3.19%
Estimated annual return* 3.35% 3.35% 3.35% 2.91% 2.94% 3.19%
Realised %** † 100% 100% 100% 100% 100% 100%

* %, after fees and bad debts

** principal repaid excluding bad debts
† returns performance related to p2p investors