Understanding the risks

easyMoney is not a cash savings account.

The easyMoney platform matches carefully selected property professionals looking to borrow short term finance (3-12 months) for business purposes, secured against UK property, with investors looking to invest.

The easyMoney team has many years of experience in property and property lending and undertakes rigorous due diligence on all borrowers and the properties against which your money is lent.

All investments contain an element of risk:

Capital and interest not guaranteed

  • We lend a maximum of 70% of the value of a property with each valuation being undertaken by a Royal Institute of Chartered Surveyors (RICS) valuer. If the value of a property against which you have lent falls, the borrower may find it difficult to sell or refinance the the property.
  • If for any reason a loan becomes non-performing, we will work with the borrower to recover any missed interest payments. If necessary, as a last resort we will commence repossession proceedings in order to sell the property. This may take some months.
  • Your capital and interest is not guaranteed and there could be a shortfall if for any reason the property is sold for less than the outstanding sums owed e.g. fraud, property market fall, erroneous valuation etc.
  • Your investment is not covered by the Financial Services Compensation Scheme (FSCS).

Late payments

Sometimes, for various reasons, underlying borrowers can be late in paying their monthly interest. In this event we may, at our discretion, pay interest to investors on behalf of the underlying borrower for up to two months. If two monthly payments are missed by the borrower, then easyMoney will categorise the loan as being in default. We will work with the borrower to recover any missed payments and to obtain repayment of the loan. As a last resort we will repossess and sell the property.


You can request to sell some or all of your loans at any time, but the ability to sell is dependent on the availability of willing buyers and the loan must have a history of consistent performance with at least 3 months left on the loan term. If there are no willing buyers, you will have to wait for your repayment until the borrower repays or, in the event of default, that we conclude the recovery process.


Although you may initially invest in only one loan, our objective is to quickly diversify you across as many loans as possible, with the precise number being determined by current market conditions. If one property falls in value you have therefore spread your risk across a number of loans. It may take up to 3 months to fully diversify your portfolio. You can view your loan portfolio and any cash held on your ‘My Portfolio’ page.

Over time, we may move into other secured asset classes, but currently your money will only be invested in loans secured against property.

Conflicts of interest

The management of any conflict of interest is important to us. In order to have a pool of loans available for Regular, IFISA and Pensions investors (“platform investors”) we have arrangements in place with a number of established professional investors to underwrite loans. As these investors typically provide larger sums on a medium to long-term basis, they receive a higher interest rate than platform investors. We make sure that no platform investor gets priority over any other platform investor based on any factor other than the time at which they place their investment.

Backup in the event of platform failure

If easyMoney were to stop operating the existing loans would be passed to a standby servicing company to take over the management of the loan book and oversee the return of your investment.

Client Accounts

Any money waiting to be allocated to loans will be held within segregated client accounts at NatWest and during this period is covered by the Financial Services Compensation Scheme (FSCS) until it is invested.

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Last updated: 2018-03-19