How We Lend

Our Peer-to-Peer lending platform offers customers the opportunity to invest in asset-backed loans.

First, we combine your money with funds from other investors. We then commit our own money alongside yours and lend that combined pot of money to borrowers we trust, using the interest paid by them to pay competitive rates to you.

At Wellesley, we offer investors a unique opportunity.
An independent British business, we’re dedicated to offering our customers attractive interest rates.
Our model is simple but different. We call it ‘The Wellesley Way’.
First, we combine your money with funds from other investors.
Then, we add our own money, alongside yours. Now that’s unique!
We lend that combined pot of money to borrowers we trust – individuals and businesses investing in property – and we use the interest paid by them to pay competitive rates to you.
Our experienced Credit Committee assesses our borrowers’ ability to repay their loans.
Because we ‘secure’ these loans against the property assets, and only ever lend up to a percentage of a property’s value, we can sell the property to seek to recover our loan if a borrower can’t repay and we experience a loss.
Our investment is always the first to be used in the event of any loss and, every week, we redistribute our investors’ money across all the loans we’ve made, spreading the risk.
No customer has ever lost a penny investing in Wellesley. It’s expertise you can trust.
Do something with your money, The Wellesley Way.

  • We combine all of our lenders’ funds
  • We add our own money
  • We loan the funds to borrowers investing in property
  • They pay us interest on their loans which we then use to pay attractive rates to you

Investment through Wellesley & Co involves lending to individuals or companies and therefore your capital is at risk and interest payments are not guaranteed if the borrower fails to repay the loan. In that event, Wellesley Finance would attempt to recover the funds outstanding. However, such security arrangements do not guarantee full return of capital and income. Peer-to-Peer lending is not covered by the Financial Services Compensation Scheme.

How do we manage risk?

Auto-Matching

Unlike many other Peer-to-Peer lenders, your investment isn’t matched to a single loan. Every week, we redistribute our investors’ funds across all the loans we’ve made, in order to maximise diversification and minimise risk:

  1. Your funds are spread across our entire loan book
  2. Every week, this process is refreshed
  3. As our loan book increases, so does your diversification

Asset-backed lending

Since we ‘secure’ our loans against property assets, and only ever lend a conservative percentage of a property’s value (typically no more than 75%), we can sell the property to seek to recover our loan if a borrower can’t repay and we experience a loss.

We lend our own money

We commit our own money alongside yours. We are the only Peer-to-Peer platform to place our own funds into every loan made and so our own investment is always the first to be used in the event of any loss.

Credit Committee

Once a week, our Credit Committee formally convenes to assess the quality of the loans we make. We make sure that each new borrower application is rigorously assessed so that we only have the safest loans on our books.

Further risks of Peer-to-Peer lending

Understanding how we manage risk should only form part of your decision. We wouldn’t feel comfortable unless we knew you understood all of the risks involved. Please visit and understand the further risks of Peer-to-Peer lending.

Speak with our Customer Service team

0800­ 888­ 6001

What happens when I open an account?

1

Open an account

It only takes 4 minutes.

2

Deposit your funds

Send us the funds you want to invest. We currently accept cheques or bank transfers.

3

Choose your product

Once your funds have cleared, all you need to do is select your preferred product. Simple.