* Don't invest unless you're prepared to lose money. This is high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 minutes to learn more
Kuflink will take care of:
When investing with Kuflink you will see there is an article 36H document, this is the contract between borrowers and lenders. Kuflink facilitate and manage this and are responsible for collecting and making capital and interest repayments but remember, as with any investments, capital is at risk and so if the borrower doesn’t repay or there are delays with the money coming back to Kuflink, there is no guarantee that you will get all your money back.
Kuflink conduct due diligence on the borrowers such as assessing their creditworthiness, ID checks, arranging for a valuation to be undertaken and arranging for the legal charge to be registered. Kuflink will price the loan according to risk and will deal with the whole application process etc. You will never have to seek any repayment from the borrowers directly nor do you need to do any due diligence on the borrowers.
As your funds are lent directly to borrowers there is a risk in that a change in circumstance could mean the borrower is unable to meet their repayment obligations and so Kuflink cannot guarantee that your money is safe.
Kuflink does however do everything it can to manage this relationship with the borrower to collect repayments on behalf of the investors. If repayments are late or if the borrower fails to repay their loan Kuflink cannot guarantee repayment of all of your funds.
Although Kuflink does co-invest up to 5% into every Select Invest deal and all deals are secured against property, this does not mean there are no risks involved.
Investing via the Kuflink Platform is different to having a savings account, your investments are not covered by the Financial Services Compensation Scheme and you are not able to get instant access to your funds once invested.
When you invest via Kuflink, you are tied in for the duration of the loan term unless you use Kuflink’s Secondary Market and sell your loan parts to another investor. There is no guarantee that someone will buy your loan part, and a small fee is applied to the Seller if someone does buy the loan part from you. Unfortunately, in line with the Secondary Market terms of use, you are unable to list a loan part for sale that is in default or arrears, and the Secondary Market is only applicable to Select Invest loan parts.
All rates that Kuflink show are the rates that you are expected to earn at the time of your investment, there are however different factors that could affect this such as if the borrower doesn’t repay or the loan doesn’t perform as it is expected to throughout the term.
If Kuflink were to go into liquidation there is a wind-down agreement that would be triggered, this is designed to ensure that your investment will continue to perform as expected but this is not guaranteed. Kuflink holds your funds in a separate Client Money Account to ensure that it doesn’t get lost in the liquidation process. Kuflink will not recall all loans from borrowers or terminate your investments or simply shut your account.
Kuflink Ltd
Kuflink Ltd (Incorporated in England & Wales: Co. No. 08460508) is authorised and regulated by the Financial Conduct Authority (FRN: 724890) as an Online P2P Platform. Registered office: 21 West Street, Gravesend, DA11 0BF. Kuflink Ltd has been approved by the Board of HM Revenue and Customs to act as an ISA manager in May 2017 to offer Innovative Finance ISAs – ISA manager No – Z1943.
Lender/Investor Risk Warning
* Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more
† Gross annual interest equivalent rate – FAQ Link
† Secured on fixed charge (e.g. property) and/or floating charge
Kuflink Bridging Ltd
Kuflink Bridging Ltd (Incorporated in England & Wales: Co. No. 07889226) is authorised and regulated by the Financial Conduct Authority (FRN: 723495) as a Lender for Bridging Loans. Registered office: 21 West Street, Gravesend, DA11 0BF.
Borrower 1 Risk Warning
ø Loans, interest rates and completion times are subject to underwriting criteria. We only sell bridging finance products from Kuflink Bridging Ltd. We do not offer products from across the mortgage market.
FAILURE TO MEET THE REPAYMENT CRITERIA OF A LOAN COULD RESULT IN THE SECURITY BEING REPOSSESSED.
Kuflink Home Loans Limited
Kuflink Home Loans Limited (Incorporated in England & Wales: Co. No. 07817421) is authorised and regulated by the Financial Conduct Authority (FRN: 571773) as a Lender for Regulated Mortgage Contracts. Registered office: 21 West Street Gravesend, Kent DA110BF.
Borrower 2 Risk Warning
øø Loans, interest rates and completion times are subject to underwriting criteria. We only offer mortgages from Kuflink Home Loans Ltd.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN(S) SECURED ON IT.
Kuflink One Ltd
Kuflink One Ltd (Incorporated in England & Wales: Co. No. 12206864) is authorised and regulated by the Financial Conduct Authority (FRN: 922026) as a Registered Account Information Service provider (AISP) – Open Banking. Registered office: 21 West Street Gravesend, Kent DA110BF.
Copyright © 2023 Kuflink Group Limited. All Rights Reserved
Kuflink ® is a registered European Community trademark (No. 79295020 & 79295083) and a registered United States trademark (No. 1553541 & 1553358) of Kuflink Group Limited.