We lend on conservative loans across different risk bands. 

We assess each loan individually and use a risk matrix that combines decades of property and lending experience, detailed due diligence and realistic valuations to categorise risk.  

Each loan is assigned a risk score A through to J.

Loans graded A have lower risk; loans graded J have a higher risk.

As conservative lenders, we generally only lend against loans that score A through to C.

As A graded loans are less risky, the interest rate for these loans is lower than the B and C graded loans.

Below are the rates for each of the products and risk grades:

Premium Account

A grade loan B grade loan C grade loan

5.40% 5.50% 5.70%

Premium Plus Account

A grade loan B grade loan C grade loan

6.35% 6.50% 6.70%

High Net Worth Account

A grade loan B grade loan C grade loan

7.30% 7.50% 7.70%

Unless you are a Professional Investor, your loans are automatically selected for you. 

By doing things this way, you do not constantly have to monitor your account to select loans. We lend across a fairly narrow range of risk bands at the conservative end of the bridging and development loan market.  We do not allow investors to specify their lending preferences within these risk bands, as it is important for us to have the flexibility to match lenders and borrowers in order to give certainty to borrowers and make your money work harder by reducing the time it is uninvested.

Good to know

The target rate is the average rate you should receive on your loans assuming their composition and performance continue as expected.  

You can see the effect of defaults, univested cash and compound interest on this rate by looking at the actual rate.

As part of our compliance with industry regulators we produce an ‘Outcomes Statement’ which summarises how our loan book has performed each year. You can see this on our statistics page.