Main

Investing

Lending secured against UK property

  • Interest at 5.5% p.a. or 6.5% p.a. paid monthly
  • All loans secured against UK property
  • Lend to local businesses helping them to grow
  • No fees to enter into a FOLK2FOLK loan

Risk warning

  • Peer-to-peer lending is not covered by the Financial Services Compensation Scheme (FSCS)
  • With peer-to-peer lending your capital is at risk if the borrower is unable to repay the loan

Read more about how we manage risk

 

6 months
to 5 years investment terms
Interest only repayments
Secured loans against UK property
IFISA eligibility
 
Folk2Folk Marketplace

Rolling loan

Interest rate

6.5% p.a. - Max LTV 60%
(forced sale value)

Minimum investment

£20,000

Innovative Finance ISA

Not eligible for IFISA investment

Investment term

6 months min – then rolling with 3 month notice period by the borrower for up to 5 years

Exiting my investment

At redemption date.


Or you have the option to offer your loan for sale via FOLK2FOLK’s MarketPlace 
(after 6 months from initial investment).

Fixed 1 or 2

Interest rate

5.5% p.a. - Max LTV 50%
(forced sale value)
6.5% p.a. - Max LTV 60%
(forced sale value)

Minimum investment

£20,000

Innovative Finance ISA

Eligible for IFISA investment
Full details here

Investment term

1 or 2 years

Exiting my investment

At redemption date.


Or you have the option to offer your loan for sale via FOLK2FOLK’s MarketPlace 
(after 6 months from initial investment).


 

Fixed 3, 4 or 5

Interest rate

6.5% p.a. - Max LTV 60%
(forced sale basis)

Minimum investment

£20,000

Innovative Finance ISA

Eligible for IFISA investment
Full details here

Investment term

3, 4 or 5 years

Exiting my investment

At redemption date.


Or you have the option to offer your loan for sale via FOLK2FOLK’s MarketPlace 
(after 6 months from initial investment).

 

Accessing your money              

Your capital investment will be returned to you once the loan reaches full term or when the borrower chooses to redeem their loan. If you wish to exit the loan prior to this, you can offer all or part of it for sale to other FOLK2FOLK lenders via our online secondary market MarketPlace.

Tax 

  • Interest payments are paid over to lenders on a gross basis and it is the lender’s responsibility to report and pay any tax due. 
  • Tax treatment depends on the individual circumstances of each client and may be subject to change in future. 
  • Please note that Folk2Folk cannot give tax advice and you should seek tax advice if required.

Risk warning

  • Peer-to-peer lending is not covered by the Financial Services Compensation Scheme (FSCS)
  • With peer-to-peer lending your capital is at risk if the borrower is unable to repay the loan

Read more about how we manage risk

 

Full details can be found in our Lender Guide and Terms & Conditions

Latest News

Customer Stories

  • Richard's Story - Borrower

    "Sharp & Tappin is a precision engineering company and has been going for 11 years. The business has two parts: one is onboard cameras for ships and the other is composite blade saws...
  • Jim’s Story - Lender

    "I started my working life as a pilot in the Royal Air Force and after a 10 year commission I went to work in a building society which had a business arrangement with Parnalls solicitors who...
  • Pam's Story - Borrower

    "In 2009, I, together with my husband Robert and daughter Robyn, bought a pub which I had previously owned with my husband and sister in law and brother in law and sold in 2001. Since then it...
  • Nick's Story - Borrower

    Originally I was a farmer, but after Foot and Mouth affected us we had to diversify and Folk2Folk have enabled me to do this.  

    Initially I borrowed money through Parnalls Solicitors in 2011...
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