Secured P2P loans
These platforms offer secured P2P loans, with real estate collateral. If a lender defaults, the real estate can be sold, with the proceeds given to lenders. This significantly reduces the risks for investors. The real estate collateral will usually be valued at least 40% more than the loan balance. We think that secured P2P loans offer investors some of the best risk adjusted returns available anywhere right now, but it is important to select loans carefully. We prefer bridge loans to development loans
P2P Investment sites offering loans secured by real estate
| Site | Loan types | Location | Typical rates | Our view | Bonuses available | Learn more |
|---|---|---|---|---|---|---|
 | Bridge loans | UK | 12% | Somo is in our view one of the best P2P sites available at the moment. Returns are strong, and loans are secured on residential assets. Currently there is very high demand for the loans, which sell out within an hour of being released (normally Friday afternoons) | £100 | Our review |
 | Bridge loans | UK | 7-8% | Kuflink offers British loans secured on commercial and residential real estate. Rates are typically 6-7%, and LTV's are conservative. Good record so far. | £100 | Our review |
 | Bridge and developer loans | Europe | 10-12% | Estateguru is a successful European site that offers investors secured loans and good returns. We particularly like the bridge loans. One of the few places to find quality real estate secured P2P loans for European investors | 0.5% | Our review |
 | Bridge loans | Europe / Baltics | 11-14% | Bulkestate is a small but growing site focused on loans secured on real estate. It offers loans secured by real estate. Their rates are the highest in Europe for secured loans currently (11-14%) | Our interview with CEO | |
 | Developer loans | UK | 8% | CrowdProperty provides finance to smaller British developers. The team have built a very good lending track record so far, based on having strong real estate expertise. Growing strongly. Loans often sell out quickly | Our interview with CEO | |
 | Developer & bridge loans | UK | 8-12% | Blend Network offers the highest returns available in the UK for secured loans. It does this by finding niches where there is little competition from the major banks currently. Has been growing quickly and we think it has good prospects | 1% | Our review |
 | Equipment finance | Baltics | 10-14% | HeavyFinance is based in Lithuania. HeavyFinance offers loans secured on heavy machinery such as tractors and other farm equipment. A new site but the team behind it have a track record in both P2P and equipment finance. Strong yield and an interesting asset class | 2%+ | Our review |
 | Secured bridge and developer loans | France, Belgium, Swtizerland | 7-12% | Raizers specialises in funding real estate projects - mainly in France but in Benelux and Switzerland too. There are not many opportunities to invest in France through P2P so this will make Raizers interesting for a lot of investors. The lending track record so far is very strong, with fewer loans becoming overdue than would be expected for this type of lending | Visit Raizers | |
 | Development loans | Baltics, Spain & Moldova | 12-15% | Reinvest24 is best known for crowdfunded property investments, but it now also offers a small number of real estate development loans | Our review | |
 | Buy to let real estate | Baltic region | 7%+ | InRento offers investors shared ownership of properties that are rented out. Investors earn rental income (at around 7% net yields) and a share of any capital growth. Interesting concept. From the team behind EvoEstate | Visit inRento | |
 | Mezzanine development loans | UK | 10-16% | CapitalStackers offers mezzanine loans that sit between the senior lender and the developer equity. LTVs are usually between 60-75%. This type of lending is higher risk but the team has a very good track record so far. The higher rates reflect the risk profile. | Visit CapitalStackers | |
 | Secured loans | Baltics | 11-13% | Lande has been operating since 2011 but has only now launched a P2P platform. It offers loans secured on farmland, and development projects. Plans to launch some interesting products during 2021 | Visit Lande | |
 | Real estate backed | Italy & Baltics | 10-16% | Crowdestate offers higher risk, higher return loans. Quality varies, but we really like the quality of information provided, which is some of the best we have seen so far. Most suitable for more experienced investors looking for higher returns. | Visit Crowdestate | |
 | Development loans | Lithuania | 7-10% | Letsinvest is a new site focusing on funding small, high quality real estate developments. Currently all projects are in Lithuania but there are plans to expand into other countries. | Visit Letsinvest | |
 | Development loans | UK | 8-12% | Capitalrise is a high quality site that focuses on funding developments in 'super-prime' areas, such as West London. Interest rates are relatively high, and the track record has been good so far. | Visit Capitalrise | |
 | Commercial real estate | UK | 6-10% | Proplend has emerged as one of the more important UK P2P sites. All of its loans are secured on real estate. Investors have the opportunity to choose from 3 different risk / LTV levels, which we think is a good idea. Very good lending record since 2014 | Visit Proplend | |
 | Bridge and development loans | UK | 10-13% | FutureBricks is new and with a very limited record and dealflow currently. Best to wait and see first whether it becomes a viable site. | Visit FutureBricks | |
 | Development finance | Lithuania | 10-13% | Profitus is a new site offering loans secured by real estate in Lithuania. Think of it as a 'mini Estateguru'. We are still assessing this site but it appears to be promising | Visit Profitus | |
 | Mortgages and bridge loans | UK | 10% | LandlordInvest is very small and the loans currently offered on the site are not very compelling. In our view, many investors will find it too small and lacking in deal-flow | Visit Landlordinvest | |
 | Loans secured on real estate | Germany & Austria | 4-7% | Rendity is a fairly new site that focuses on providing 2nd lien loans on high quality properties in Germany and Austria. The rates are not very high, but this site may interest some investors | Visit Rendity | |
 | Bridge and developer loans | UK | 8.5% | Relendex offers some loans that are lower risk than other platforms listed here. Not an attractive looking website, and limited deal-flow, but we still think this site is worth monitoring for the future | Visit Relendex |
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