made to date
Over £670 million
lent to date
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
- 8.3 out of 10 based on 439 reviews
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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.
The top 5 most frequently asked questions
To register for an account with Wellesley, you can register online here, by phone on 0800 888 6001 or by post, you can request or download your application form click here.
Please return your completed postal application form to:
St Albans House
London SW1Y 4QX
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.
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.
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.
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).
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%).
- The Wellesley Property Mini-Bond is not covered by the Financial Services Compensation Scheme (FSCS) and your capital is at risk.
- Wellesley Property Mini-Bonds are non-transferable and cannot be held within an ISA account.
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.
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) (Registration Number 655503). 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 email@example.com