easyMoney celebrates £500m lending milestone

This is a financial promotion and is intended to provide information, not investment advice.

After winning the Alternative Credit Investor award for IFISA provider of the year 2024, easyMoney has achieved another milestone - surpassing £500m in total written loans. 

The platform reached this milestone while maintaining its zero capital loss record to investors. To date, easyMoney’s investors have earned more than £50m in interest payments, with monthly interest payments amounting to over £1.5m per month.

By the end of the year, the P2P investment platform expects to have paid more than £60m in interest to its investor community.

What this milestone means

easyMoney has a long track record of performance, and continues to grow its loan book and deliver for its investors and borrowers by funding properties across the UK.

The firm prioritises strong due diligence at every stage of the lending process to minimise the risk of investor losses. This includes maintaining low loan-to-values (LTVs) on bridging loans, and low loan-to-gross-development-values (LTGDVs) on property development loans.

As of May 2025, the average LTV for an easyMoney bridge loan was 54.6 per cent. For a property development loan, the average LTGDV was 61 per cent.

Loan terms typically last around 20 months, but easyMoney operates an active secondary market where investors can buy and sell loan parts on an ad hoc basis. Typically, these secondary market sales are completed within 24 hours, making easyMoney one   of the most liquid P2P lending platforms in the UK.

What’s next for easyMoney

easyMoney is already eyeing its next lending milestone, and continues to fund property loans across the UK while paying competitive interest rates to its investors.

“We are continuing to grow our loan book and will keep offering our usual range of products to new and existing investors,” said easyMoney’s CEO Jason Ferrando.

“The Bank of England base rate has come down twice since the start of the year, but we haven’t decreased our interest rates for investors.

“We know our market extremely well and we have a proven track record of performance over almost a decade, and we are proud to say that no investor has ever lost a penny of their capital by investing with us. Furthermore, we are continually paying interest to our investors, and providing them with new opportunities to invest in British property.

“Our investors value our conservative lending approach and the experience of our team. We are very proud of our incredibly diligent underwriting process which has allowed us to offer loans of extremely high quality to retail, high-net worth and corporate investors across the UK.

“We plan to keep doing what we do best, growing our platform organically over time.”

The power of property backed lending

At easyMoney, every loan is secured against UK property, providing investors with a tangible asset as security. This means that in the case of a borrower default, the investment platform can in theory sell the underlying property in order to recoup investor capital.

By keeping LTVs and LTGDVs under 61 per cent, the property value would have to decline by more than 39 per cent before investor capital is at risk. While past performance is no guarantee of future success, easyMoney is one of the few   UK P2P platforms which has not lost any investor capital to date.

About easyMoney

easyMoney offers P2P investments in the UK to a range of investors, with a minimum investment threshold of just £100. This makes it one of the most retail-friendly P2P platforms in the country.

It is also the largest Innovative Finance ISA (IFISA) provider, with more than £90m invested in its tax-free wrapper. All of easyMoney’s property loans can be held within an IFISA, enabling investors to maximise their returns.

To date, easyMoney has loaned more than £500m to fund properties across the UK, while its investors have earned over £50m in interest.

Capital is at risk. Past performance is no guarantee for future results.

Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future.