At easyMoney we focus on quality rather than quantity of loans and work hard to manage risk for our investors.
The more loans you are invested in, the less impact non-performance of any given loan will have on your portfolio.
A higher quality of loans reduces the likelihood of non-performance in the first place. We don’t guarantee a minimum level of diversification as this may compromise our ability to reject loans or may result in your cash not earning any interest whilst we wait for a range of appropriate loans to become available.
We have stringent criteria in place on how much money we lend based on ‘Red- Book’ valuations from RICS (Royal Institution of Chartered Surveyors) valuers.
We are very particular about the level of security provided, location and liquidity of properties and we only lend to property professionals with a clear and realistic exit strategy.
Good to know
We employ a manual credit committee to assess and grade each opportunity and review each loan on a regular basis.
You can read more on how we assess each loan here.