Invest in Wellesley’s asset-backed lending, with the security 
of bricks and mortar.

+ High yield of up to 6.00% pa gross
+ Start from as little as £100
+ Issued by Wellesley Finance Plc

Your capital is at risk. No FSCS

The Wellesley Property Mini-Bond

The Wellesley Property Mini-Bond, issued by Wellesley Finance Plc offers investors the opportunity to invest directly into property backed loans made by Wellesley. The funds you subscribe to the Property Mini-Bond are lent to property developers and those loans are secured against residential property.

In return, investors receive a competitive fixed rate of interest of up to 6.00% pa gross, paid monthly or at maturity of their Wellesley Property Mini-Bond.

On maturity of the relevant Wellesley Property Mini-Bond, the full amount of the investment will be repaid without any deductions or charges.

Term Annual Interest
(paid monthly)
Annual Interest
(paid at maturity)
1 year 2.95% pa 3.00% pa
2 years 3.85% pa 4.00% pa
3 years 4.65% pa 5.00% pa
5 years 5.25% pa 6.00% pa

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%). Interest is not compounded. 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.

If you choose to receive your interest at maturity of your Wellesley Property Mini-Bond, this will mean that interest is rolled up and will be paid to you upon repayment or redemption of your relevant Wellesley Property Mini-Bond. By way of example, if you held a 2 Year Bond and chose to be paid interest at maturity, and notified Wellesley Finance Plc of your intention to redeem your Wellesley Property Mini-Bond to take effect six months after the initial 2 year fixed term, interest would be paid to you upon that redemption date (i.e. 2 years and six months from the date that your 2 Year Bond was issued to you). The Wellesley Property Mini-Bond is not covered by the Financial Services Compensation Scheme and your capital is at risk. Wellesley Property Mini-Bonds are non-transferable and cannot be held within an ISA account.

Key Features

All loans are asset-backed

Every loan we make is secured against tangible assets,
such as residential or commercial property.

Maximum diversification across loans

Funds are spread across all eligible loans in our portfolio. Every Bondholder therefore receives exposure to a proportional share of our loan portfolio, and the greatest amount of diversification possible. We call this process Auto-Matching.

Interest payment flexibility

Choose to receive your interest monthly to achieve a regular income on your investment, or choose to roll it up and receive it at maturity of the relevant Wellesley Property Mini-Bond.

No fees

We don’t charge our investors any fees. We charge borrowers a fee which allows us to pay competitive rates to you.

Rigorous evaluation

We lend only to experienced, creditworthy, carefully selected commercial borrowers, and all loan applications are rigorously evaluated by our highly experienced Credit Committee.

Strong track record

Whilst this cannot be guaranteed in the future, no investor has ever lost any of their funds with Wellesley as a result of a loan defaulting. Past performance is not indicative of future results.

How do I invest?

Register & fund your
Wellesley account

Select your
investment product

Select your
investment term

Start earning interest
the Wellesley Way

Want more information? Download a copy of the Wellesley Property Mini-Bond brochure. Simply enter your details below.

Thank you for submitting your details. You can download the brochure by clicking here.
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).

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 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.

Wellesley Finance Plc is not regulated by the Financial Conduct Authority and does not offer any regulated services. Wellesley Finance Plc (no. 08331511) is registered in England and has its registered office and trading address at St Albans House, 57/59 Haymarket, London SW1Y 4QX, UK.

Wellesley Finance Plc is part of Wellesley Group Limited.