The smart way to invest in property-backed lending

BondMason's Property Lending Service enables you to target returns from loans secured against UK property.
  • Diversified portfolio of loan investments
  • Target net returns of 6% p.a.¹
  • 3-year track record

Start from £5,000. Capital at risk. Fees 1.0%-1.5% p.a.

See our terms and conditions.


3-year Track Record

Since 2015, our clients have achieved net returns of 6% p.a1, investing over £53M across 6,000 curated loan investments, with the majority backed by UK property. 


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Past performance is not a reliable indicator or future results. Your Capital is at Risk. The value of investments may go down as well as up and you may not get back the original amount invested. Returns are not guaranteed and you may wish to seek professional advice. 

In safe hands

BondMason enables investors to access attractive returns from property-backed lending. Our exclusive relationships with specialist property lending partners, enables clients to gain exposure to better quality, well priced opportunities, which may not otherwise be available to investors direct.  Since 2015, we've reviewed 150 Direct Lending providers and platforms, conducting rigorous due diligence to select our 33 approved lending partners.

Managing risk

Every day, the Investment Team analyse and assess available loan opportunities from our lending partners, only selecting good quality, well-priced loans with a conservative loan-to-value ratio. This means clients have a good buffer between what they lend and the value of the asset which they have security over. BondMason will never compromise on quality and as such, only 1 in 4 loan opportunities are approved.


The BondMason lending portfolio is diversified across 100+ loan positions.  Spreading investment across different partners and loan types, with a focus on lending secured against property, helps to manage risk and target healthy returns.

Access to your funds

If your circumstances may change, you can typically access your funds within 1 to 2 days.  A note of caution: The average remaining term of the underlying property loans is 9 months, so if everyone wanted their funds back on the same day, that's how long it may take to receive your funds. Under normal circumstances you can access your money much faster.

Property lending is the new investing

With interest rates at an all-time low and reasonable investment returns proving elusive, investing in loans secured against property offers a viable alternative, with the potential to deliver attractive risk adjusted returns with lower volatility. 

All of the loans we invest in are secured - with the significant majority secured against UK residential and commercial property.

Refurbishment finance. No planning risk

Projects fall within the scope of permitted development, or have planning permission.

We prefer loans used to fund small-scale property refurbishment, or developments such as converting a house into a few flats.

Conservative loan-to-value

The average loan-to-value of our property loans is 56%.

Valuations are independent, typically conducted by professional surveyors adhering to red-book processes.

Manually reviewed

The BondMason Investment team reviews every loan, with only 1-in-4 loans being approved by us.

We conduct additional due diligence and verify valuations with our own research and marketability assessments.

Fees range from 1.0% p.a - 1.5% p.a based on your invested capital.

The BondMason Team

Our people are what sets BondMason apart. From the Investment Team who spend every day reviewing loan partners and assessing opportunities, to our Operations Team who manage all the daily transactions and our Client Services team who are here to ensure all our clients have the best possible experience. 

Not forgetting the Marketing and Growth Teams who stay close to trends and movements in the market and ensure our offering remains competitive and continues to offer clients what they're looking for. 

Our clients come first
Almost half of BondMason clients come to us following a recommendation from a friend or colleague. 

Our high rate of referrals reflects the importance we place on providing a service that our clients are happy to share with their friends and colleagues.

We're always at the end of the phone (01582 802 000) or email ( to answer any queries.

We are so confident that you will have a positive experience, that if for any reason, you are not 100% satisfied after your first 6 months with us, you can close your account* and we will refund 100% of our fees to you. The BondMason Satisfaction Guarantee.

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Thought leaders
We are proud to be considered thought leaders in the industry, providing valuable insight and commentary.

We make sure we keep up to date on news, views and changes in the market and share our findings on our blog page. 

Our guide library contains a selection of downloadable guides, helping you to make informed decisions about investing.

The BondMason market report  which is recognised by the Chartered Institute of Securities and Investment and endorsed with CPD accreditation.  

We work with journalists and the media to provide market commentary for both the investors and financial advisers.  Read our latest press articles.

Defaqto 5-star rated investment
Defaqto Star Ratings provide consumers with an expert benchmark so they can compare products in this evolving market

BondMason Core has been recognised as providing one of the highest quality offerings on the market, achieving the maximum Defaqto rating of 5 stars1.  Stephen Findlay was delighted, yet unsurprised with the announcement;

The team at BondMason is highly experienced and we bring this experience to bear on our processes and approach, for the benefit of our clients. We are delighted to announce that our diligent approach has been recognised by Defaqto, awarding BondMason its highest 5-star rating.”

Defaqto 5 star
BRIX: Britain's Residential Property Investment Index

BondMason has created a new index to help Britain’s private landlords and investors benchmark the performance of their residential property investments.

The BondMason BRIX index will be updated monthly to track the financial performance of listed corporate landlords in the UK, enabling private landlords to compare the performance of their own buy-to-let portfolios.  Latest versions are available here: 

BondMason's CEO, Stephen Findlay, explains:

“Historically the UK rental market has been dominated by private landlords, but that is now changing following the increased tax burden and new regulations which make it harder to generate a positive income each year.  “

“The good news is that individuals can now access investment returns from the buy-to-let market by investing in listed corporate landlords, with the added benefit of being able to do so within a tax efficient wrapper such as an ISA or SIPP.” 

Put a spring in your step and money in your pocket

Special Refer a Friend Spring Offer - Ends 30th April 2019

Over 40% of our clients come to us following a recommendation from a happy client. As a thank you, we offer a Referral Bonus, so that when you tell a friend about us and they invest in a BondMason product, you both get a reward

For a limited time only we're offering an addition £25 bonus ON TOP of our regular £50 Refer a Friend cash reward.

We’re here to answer any questions you may have

Contact us to arrange a convenient time to talk