The Wellesley Mini-Bond

Earn up to

7.00% pa

Invest in Wellesley Finance’s business expansion and property lending business

Start from £100

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

Over

£50 million

invested

The largest Mini-Bond*
in the UK.

Over £670 million

in loans made to date

*Since its launch the Wellesley Mini-Bond, issued by Wellesley Finance Plc, has raised in total over £50million.

The Wellesley Mini-Bond

The Wellesley Mini-Bond, issued by Wellesley Finance Plc, offers investors the opportunity to be part of the group’s ongoing success by providing additional operating capital for business expansion and to fuel further growth of Wellesley Finance Plc’s property lending business.

In return, investors receive a fixed rate of interest, paid monthly or at maturity, together with the return of their original capital with no deductions or charges.

Discover our easy ways to register      Read our FAQ section to learn more

Why choose the Wellesley Mini-Bond?

Stability

Fixed rates of interest

The Wellesley Mini-Bond offers a fixed rate of interest which will remain consistent for the length of the investment term.

Flexibility

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 Wellesley Mini-Bond is non-transferable and all terms have a fixed rate and duration.

Sharing in our success

Investing in Wellesley

Investors can be a part of Wellesley’s ongoing success by providing additional operating capital for business expansion.

Our interest rates

5 years

3 years

2 years

1 year

Paid at Maturity
(Annual Interest)

7.00% pa

6.00% pa

5.00% pa

4.00% pa

Paid Monthly
(Annual Interest)

6.10% pa

5.60% pa

4.80% pa

3.90% pa

Paid at Maturity
(Annual Interest)

Paid Monthly
(Annual Interest)

5 year term

7.00% pa

6.10% pa

3 year term

6.00% pa

5.60% pa

2 year term

5.00% pa

4.80% pa

1 year term

4.00% pa

3.90% pa

All terms have a fixed rate and duration. All interest is subject to withholding tax at the basic rate of income tax imposed in the UK by HM Revenue and Customs.

The Wellesley Mini-Bond is not covered by the Financial Services Compensation Scheme (FSCS) and your capital is at risk. Wellesley Mini-Bonds are non-transferable and cannot be held within an ISA account.

Simple steps to invest

Fund your
Wellesley account

Select your
investment term

Start earning interest
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 476 reviews

Top 5 most frequently asked questions

How are my funds used?

Some of the uses to which the proceeds of the Wellesley Mini-Bonds may be put would include, but are not limited to, the following:

  • ‘co-investment’ in property loans alongside Peer-to-Peer investors;
  • in respect of Series 3 Wellesley Mini-Bonds issued on or after the Amendment Date, funding losses, i.e. to supplement the funds Wellesley Finance Plc has committed to allocate for the restoration of customer investments – on a discretionary, loan-by-loan basis – in the event of a default; and
  • inter-company funding, i.e. the provision of funds to wholly-owned subsidiaries of Wellesley Group Limited.

The Wellesley Finance Plc Mini-Bond is a separate form of investment to Wellesley & Co Limited’s Peer-to-Peer product, with different terms and conditions. The Mini-Bond is issued by Wellesley Finance Plc, an unregulated and distinct legal entity from Wellesley & Co Limited. Both Wellesley Finance Plc and Wellesley & Co Limited are subsidiaries of Wellesley Group Limited.

Who can invest in the Wellesley Mini-Bond?

Any individual who is over the age of 18, or a trust, business or charity that are residents of the UK (subject to restrictions, click here to view). 

How much can I invest?

The minimum investment is £100, and thereafter in multiples of £10.

Does the Wellesley Mini-Bond offer me a fixed term?

The Wellesley 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.

How do I register?

You can invest in the Wellesley Mini-Bond via your online Wellesley account. Once you have funded your Wellesley account, you can login and select your desired investment term.

Please note, Wellesley are not permitted to invest funds on behalf of investors, you will need to invest your funds via your online Wellesley account.

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.

Find out more

Our Recent Loans

Our investors receive rigorously screened and carefully selected investment opportunities

Risk Statements

  • 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 Mini-Bond is not covered by the Financial Services Compensation Scheme (FSCS) and your capital is at risk.
  • Wellesley Mini-Bonds are non-transferable and cannot be held within an ISA account.

Before you subscribe for any Wellesley 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 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 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 Mini-Bonds is not protected from loss by the Financial Services Compensation Scheme (FSCS).

The Wellesley 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 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.

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 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 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 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 Mini-Bonds is not protected from loss by the Financial Services Compensation Scheme (FSCS).

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