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Wellesley Bonds

Do something interesting with your
money, invest the Wellesley way.

Earn up to

6.00% pa

when you invest through Wellesley*

Register to get started

Want more information? Download our investor guide

*Invest £3,000 for 2 years and receive £100 cashback. Invest £7,000 and receive £250 cashback! T&Cs apply. Offer available to new customers investing in the Property Mini-Bond.

Your capital is at risk, investment is not covered by the Financial Services Compensation Scheme (FSCS).

The Wellesley Property Mini-Bond

Issued by Wellesley Finance Plc

Earn up to

6.00% pa

Non-listed bond with maximum diversification

Start from £100

Capital at risk.
To view the full risk statement click here.

The Wellesley Property Bond

Issued by Wellesley Secured Finance Plc

3 year fixed term

4.65% pa

ISA eligible, listed & traded on the ISE

Start from £1,000

Capital at risk.
To view the full risk statement click here.

281 loans

made to date

Over £670 million

lent to date

Over 3,600

developments built

£19.9 million

interest paid to investors

Why choose Wellesley?

Wellesley is an established alternative property finance firm, dedicated to offering our investors attractive interest rates. We invest your money alongside our own into property backed loans. We call this innovative approach, built on traditional values, The Wellesley Way.

Our core objective is to provide investors with higher returns than can be accessed through traditional investment routes whilst simultaneously providing financing to experienced commercial borrowers within the UK residential property market. It is important to remember that as with most investments, there is a risk that if a borrower does not repay you may lose your initial invested capital. This means your capital is at risk and interest payments are not guaranteed.

How do our Property Investment Bonds work?

We carefully select developers

Subscribed funds are lent to property
developers who have been rigorously
assessed by Wellesley. We lend to both
small businesses & individuals.

Investing in property backed loans

We invest your money alongside our
own, primarily in UK residential property.
Not only is your investment secured
against tangible assets, but you are
helping to build more UK homes.

Diversification of funds

Your funds are spread across eligible
loans in our portfolio, providing
diversification on your investment.

Offering competitive fixed rates

We use the interest paid by those
developers to pay competitive rates to
our investors. We call this investment
process – The Wellesley Way.

The customer service here is excellent. I have always found them to be informative and answered my questions fully. I have no hesitation in recommending them wholeheartedly.

Robert Gilbert, London

  • Based on 463 reviews

A diversified loan book gives you a more secure investment

We diversify on property all around the United Kingdom, helping your money be spread as far as possible to make sure returns are met.

How to register

At Wellesley, we want to make the application process as streamlined as possible for our investors. Please select from one of the options below to set up your account, and if you have any questions regarding the process please call us for free on 0800 888 6001 Monday to Friday, 8.30am – 5.30pm.

Register online

You can register online here

It only takes a couple of minutes and there are three simple steps. Once your account has been setup you can fund it by bank transfer or by cheque, then select the product you want to invest in.

Register by phone

Please call us on 0800 888 6001

To speak to someone on the phone, or if would like a member of the Customer Service team to walk you through the process, please do not hesitate to call Monday to Friday, 8.30am – 5.30pm.

Register by post

Request application by post here

If you would prefer to fill out an application form. Please click the link above to either download the application form or alternatively you can request the forms to be sent to you in the post.

The top 5 most frequently asked questions

How do I deposit funds?

Once you have successfully registered for a Wellesley account, you will receive confirmation via email, along with further information on how to send funds to your account. You can also access the bank transfer information via your online Wellesley account.

We accept funds by bank transfer or by cheque. Funds sent via cheque will be credited to your Wellesley Holding Account once funds have cleared in our segregated Client Holding Account (may take up to 6 working days from date of credit).

Transfers must be made from a bank account that is in your name or from a verified joint bank account. Please note that if you send funds from a joint account we may require further confirmation.

If you wish to send funds from your Metro Bank account, please contact us prior to transferring your funds.

Please note any funds received without a valid Account Reference Number may be delayed or returned to the bank account from which they were received.

How are the funds used?

Wellesley Finance is a UK based property finance lender. We use your funds to lend to experienced property developers whose loans are secured upon tangible residential assets. In the current environment where high street banks and other lenders have been reluctant to extend finance, Wellesley offers an alternative source of funding which is tailored to the needs of the borrower. Every finance application is assessed on its own merits focusing on structuring a suitable price for both the borrower and the project. We act as a trusted advisor for our borrowers. Thereby minimising the risks and optimising the profitability of their projects.

Who can invest with Wellesley?

To invest you must be 18 years or older and a UK resident, with a UK bank account. UK companies can also invest with Wellesley. If you would like to open an account in the name of your business, please contact our Customer Service team for an application form.

What risks do I need to be aware of when investing?

Prior to investing with Wellesley, you should ensure that you understand the potential risks to your investment.

Wellesley matches investors funds against asset backed loans made by Wellesley Finance Plc to small businesses and individuals. All loans submitted to Wellesley Finance Plc are scrutinized by the Wellesley Business Acceptance Committee prior to being accepted onto the loan book.

Your investment involves risks to your capital and interest payments. In the event that a borrower was unable to repay a loan, Wellesley would attempt to recover the funds outstanding, however such security arrangements do not guarantee full return of capital and interest to the bond holder.

Wellesley & Co is authorised and regulated by the Financial Conduct Authority (FCA) (registration number 655503). Wellesley & Co is not covered by the Financial Services Compensation Scheme (FSCS).

Do I have to pay tax on the money I earn by lending?

Yes, as a lender you will have to pay tax on the interest your make. Tax treatment depends upon your individual circumstances and may be subject to change in the future.

Wellesley does not provide any advice or guidance in relation to tax or otherwise and therefore we strongly recommend that you consult an independent financial advisor or tax advisor if you are unsure as to what your tax obligations are.

It is your responsibility to ensure that any tax liabilities which you incur (though interest earned) are paid to the relevant tax authority.

Tax statement are available to download online via your Wellesley account. Wellesley do not issue paper statements.

Risk Statements

As with all investments, there are potential risks you should be aware of before investing in Wellesley Bonds.
It is important that you understand the nature of the risks associated with investing in Wellesley Bonds.

  • All terms have a fixed rate and duration meaning you can’t move your capital into to a higher interest-bearing loan until your funds have been returned.
  • A borrower may default if a borrower does not repay you may lose your initial invested capital. This means your capital is at risk and interest payments are not guaranteed.
  • Investment is not protected by the Financial Services Compensation Scheme (FSCS) and it is important to remember that property developments may not always go to plan and may suffer from delays or reduction in the value of assets.

Wellesley Property Mini-Bond

  • All terms have a fixed rate and duration.
  • All payments of interest are subject to withholding tax at the basic rate of income tax (currently 20%).
  • Wellesley Property Mini-Bonds are non-transferable and cannot be held within an ISA account.

Before you subscribe for any Wellesley Property Mini-Bonds, you should make sure that you fully understand the risks which are set out in the Invitation Document and you should determine whether the investment is suitable for you on the basis of all the information contained in the Invitation Document. Specifically, that while the Wellesley Property Mini-Bonds are a secured debt of Wellesley Finance Plc, in the event that Wellesley Finance Plc or a member of its group becomes insolvent, there can be no guarantee that any realisation of such security will be sufficient for Wellesley Finance Plc to repay its Wellesley Property Mini-Bonds and therefore you may lose some or all of your investment. If you are in any doubt about the contents of the Invitation Document or the action you should take, you are strongly recommended to consult a professional financial advisor. Investment into Wellesley Property Mini-Bonds is not protected from loss by the Financial Services Compensation Scheme (FSCS).

Wellesley Property Bond

  • The Wellesley Property Bond has a fixed rate and duration.
  • The Wellesley Property Bond is an ISA eligible investment, allowing you to earn tax free interest on your investment. Please note, tax allowances and the tax efficient benefit of ISAs could change in the future.

Your capital is at risk and interest payments are not guaranteed. Investment in the Wellesley Property Bond is not covered by the Financial Services Compensation Scheme (FSCS). In the event of a loan default or if Wellesley Secured Finance Plc becomes insolvent, you may lose some or all of your investment, including interest payments due. If you are in any doubt about making an investment you are strongly recommended to consult a trained professional financial advisor. Before you subscribe to the Wellesley Property Bond you should ensure that you fully understand the risks and determine whether the investment is suitable for you on the basis of all the information available, including the Wellesley Property Bond prospectus.

Investment through Wellesley involves lending to individuals or companies and therefore your capital is at risk and interest payments are not guaranteed if the borrower defaults. It is important to remember that historic loan default rates are not necessarily indicative of future default rates. Wellesley Secured Finance Plc (the Issuer) was established as a special purpose vehicle for the sole purpose of issuing asset backed securities. Wellesley Secured Finance Plc is not part of Wellesley Group Limited. Wellesley Secured Finance Plc is not authorised or regulated by the Financial Conduct Authority.

The Wellesley Property Mini-Bonds are issued by Wellesley Finance Plc, a company incorporated in England and Wales with its registered office at 6th Floor, St Albans House, 57/59 Haymarket, London SW1Y 4QX. The information contained in this webpage which relates to Wellesley Mini-Bonds and Wellesley Property Mini-Bonds has been approved as a financial promotion for UK publication by BDO LLP, 55 Baker Street, London W1U 7EU (FRN: 229378) which is authorised by the Financial Conduct Authority to conduct investment business.

The Wellesley Property Bond is issued by Wellesley Secured Finance Plc (10565816) whose registered office is at 35 Great St. Helen’s, London EC3A 6AP. The information contained in this webpage which relates to the Wellesley Property Bond financial promotion has been approved for the purpose of section 21 of the Financial Services and Markets Act 2000 by The Share Centre Limited. The Share Centre Limited is authorised and regulated by the Financial Conduct Authority and is entered in the register under 146768.

Wellesley is the singular name for the following collective of companies, Wellesley Group Limited (09811856), Wellesley & Co Limited (07981279) and Wellesley Finance Plc (08331511). Wellesley & Co Limited is authorised and regulated by the Financial Conduct Authority (FCA) under interim permissions (Registration Number IP655503). Wellesley & Co Limited is not covered by the Financial Services Compensation Scheme. Wellesley Finance Plc is not authorised or regulated by the Financial Conduct Authority. Wellesley Finance Plc and Wellesley Secured Finance Plc are not covered by the Financial Services Compensation Scheme. Wellesley & Co Limited and Wellesley Finance Plc are registered in England and Wales and their registered office is at St Albans House, 57/59 Haymarket, London SW1Y 4QX. The trading address for both Wellesley & Co Limited and Wellesley Finance Plc is St Albans House, 57/59 Haymarket, London, SW1Y 4QX. The registered address for Wellesley Secured Finance Plc is at 35 Great St. Helen’s, London EC3A 6AP.

Require further information?

Call our Customer Service Team on 0800 888 6001 or e-mail us on info@wellesley.co.uk

Before you subscribe for any Wellesley Property Mini-Bonds, you should make sure that you fully understand the risks which are set out in the Invitation Document and you should determine whether the investment is suitable for you on the basis of all the information contained in the Invitation Document. Specifically, that while the Wellesley Property Mini-Bonds are a secured debt of Wellesley Finance Plc, in the event that Wellesley Finance Plc or a member of its group becomes insolvent, there can be no guarantee that any realisation of such security will be sufficient for Wellesley Finance Plc to repay its Wellesley Property Mini-Bonds and therefore you may lose some or all of your investment. If you are in any doubt about the contents of the Invitation Document or the action you should take, you are strongly recommended to consult a professional financial advisor. Investment into Wellesley Property Mini-Bonds is not protected from loss by the Financial Services Compensation Scheme (FSCS).

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Your capital is at risk, investment is not covered by the Financial Services Compensation Scheme (FSCS). To view the full risk statement click here.

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