Everything you need to know before investing
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What happens now?
You will receive an investor pack in the post within 6-7 working days. This will comprise of all the information you will need to become a Wellesley investor. Please note, if for any reason you do not receive our investor pack, do not hesitate to give our customer service number a call on 0800 888 6001
We look forward to being of service to you.
Your capital is at risk. Investment is not covered by the Financial Services Compensation Scheme (FSCS). Wellesley Property Mini-Bonds are issued by Wellesley Finance who are not regulated by the Financial Conduct Authority (FCA). To view the full risk statement click here.
Over 3,600 developments
supported to date
Over £677 million
in loans made to date
The Wellesley Way
The Wellesley Property Mini-Bond, issued by Wellesley Finance Plc, offers investors the opportunity to invest directly into property backed loans made by Wellesley.
Subscribed funds are lent to property developers whose loans are secured against residential property. In return, investors receive a competitive fixed rate of up to 5.00% per annum gross, paid monthly or at maturity. 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.
Why choose the Wellesley Property Mini-Bond?
The Wellesley Property Mini-Bond is an ideal choice for an investor seeking a fixed secured income
investment with regular interest payments.
Fixed rates of interest
The Wellesley Property Mini-Bond offers a fixed rate of interest which will remain consistent for the length of the investment term.
Available from 1–5 years
Investors can choose to receive their interest monthly to achieve a regular income or choose to roll it up and receive it at maturity. Please note, the Property Mini-Bond is non-transferable and all terms have a fixed rate and duration.
Investing together in UK property
We invest your money alongside our own, backed against UK residential property. All funds are spread across eligible loans for maximum diversification. It is important to remember, if a borrower enters into default, your capital and interest are at risk.
Our interest rates
Paid at maturity
Paid at Maturity
5 year term
3 year term
2 year term
1 year term
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. Your capital is at risk and interest payments are not guaranteed. To view the full risk statement click here.
Simple steps to invest
Register & fund
your Wellesley account
Start earning interest
The Wellesley Way
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 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 678 reviews
How do our Property Mini-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 & individual developers.
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.
Maximum diversification of funds
Your funds are spread across all eligible
loans in our portfolio, meaning
every bondholder receives the greatest
amount of diversification possible.
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.
Why choose Wellesley?
Wellesley is an established British finance company, 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 object 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 note 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. Past performance and forecasts should not be taken as an accurate predictor of future performance.
Our recent loans
Our investors receive rigorously screened and carefully selected investment opportunities
Top five most frequently asked questions
The Wellesley Property Mini-Bond is a retail bond which invest exclusively in Wellesley Finance Plc’s asset-backed lending business. The funds you subscribe to the Property Mini-Bond are lent to UK property developers and those loans are secured against UK residential property.
You can invest from £100. There is no maximum investment.
The Property Mini-Bond offers you a fixed rate of return throughout your investment term.
In order to end your investment, you must notify Wellesley of your intention to redeem your Bond prior to the six-month deadline of your initial investment term. Alternatively, you can choose to retain your Bond for a further one year period and continue to receive interest at the same fixed rate as before.
You can register for an account with Wellesley online or by post. Once you have registered, and we have verified your details, you can fund your account and select your investment term. You will start earning interest as soon as you have completed your investment.
Please note in order to be eligible for a Wellesley account, you must have an e-mail address. Wellesley are not permitted to invest funds on behalf of investors, you will need to invest your funds via your online Wellesley account.
Investing in the Wellesley Property Mini-Bond involves investing your funds into loans made by Wellesley Finance Plc. The biggest risk posed to investors is if one of the borrowers (which their funds are matched to) does not repay their loan.
All loans made by Wellesley Finance Plc, are backed against UK residential property. In the event a borrower defaults, Wellesley Finance will seek to sell the asset to cover any loss of funds. In addition, Wellesley places its own funds into every loan we make. Whilst Wellesley’s level of co-investment will vary from time to time, it will always be a minimum of 1% in every loan.
The Wellesley Property Mini-Bond is not covered by the FSCS and your capital is at risk. To view our Risk Statements in full click here.
- All terms have a fixed rate and duration.
- All payments of interest are subject to withholding of 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 Mini-Bonds are issued by Wellesley Finance Plc (Registered Number 8331511) whose registered office is at St Albans House, 57/59 Haymarket, London, SW1Y 4QX. Wellesley Finance Plc is not covered by the Financial Services Compensation Scheme. The information contained in this website has been approved as a financial promotion for UK publication by Wellesley & Co Limited which is authorised and regulated by the Financial Conduct Authority (FRN 631197).
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 631197). Wellesley & Co Limited is not covered by the Financial Services Compensation Scheme (FSCS) and neither are any of the investment products offered through this website.
Wellesley Finance Plc and Wellesley Secured Finance Plc are not authorised or regulated by the Financial Conduct Authority. Investments issued by Wellesley Finance Plc and Wellesley Secured Finance Plc are not covered by the Financial Services Compensation Scheme.
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 & Co Limited and Wellesley Finance Plc are registered in England and Wales and their registered office and trading address is at 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 firstname.lastname@example.org