Invest in Direct Lending - the smart way.

We make it easy for investors to target attractive returns from secured lending

BondMason Core

Target gross returns of up to 8 % p.a.¹

3-year track record • Invest today • Good liquidity

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

See our terms and conditions.

Chiltern Bonds

Target returns of 3.85 % p.a

ISA eligible • Equity cushion • Fee free

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Start from £1,000. Capital at risk. Fees only apply for ISA investors.

See our terms and conditions.

WE’RE FEATURED IN

INVESTING THROUGH BONDMASON

A Typical Portfolio

All of our loans 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.

Investing in property loans

OUR TRACK RECORD

BondMason Core

Since 2015, our clients have achieved average gross returns of 8% p.a¹, investing over £40M across 6,000 curated loan investments, through an innovative receivables investment model.

The go-to experts

We established BondMason in 2015 to enable investors to access attractive returns from Direct Lending and P2P Lending. Since then we've reviewed 150 Direct Lending providers and P2P platforms - conducting rigorous due diligence to select our 33 approved lending partners.

Exclusive opportunities

Our clients are able to access returns from exclusive relationships we've developed with specialist property lending partners. This enables investors to gain exposure to better quality, well priced opportunities, which may not otherwise be available to investors direct.

Managing risk

Achieving attractive returns from lending is about minimising the downside risks. We filter underlying loan opportunities and make it easy for clients to build a well-diversified portfolio to improve the quality of returns they can achieve from Direct Lending.

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

ABSOLUTE RETURN BONDS I AND II

Chiltern Bonds

The Absolute Return Bonds from Chiltern BondCo, enable investors to target inflation-beating returns from property-backed lending, available through an ISA.

Why choose bonds

The Absolute Return Bonds are designed to fill the gap between low risk traditional savings accounts and more risky stocks and shares.

Property-backed lending

Proceeds raised from the Bond issue will be used to create a Lending Portfolio, benefiting from security against residential and commercial property in the UK.

ISA eligible

The Absolute Return Bonds are ISA eligible, so returns can be free from tax if invested through an ISA. Returns are not guaranteed and your capital is at risk.

The Absolute Return Bonds I & II were issued on 1 October 2018. You may still apply for the bonds but your investment will begin only when funds are received and used to purchase bonds. The amount of interest received will be calculated from the time of purchase to maturity.

Read more and Apply

Capital At Risk

THE STEADY INVESTMENT OPPORTUNITY

Direct Lending is the new investing

With interest rates at an all-time low and reasonable investment returns proving elusive, Direct Lending offers a viable alternative, with the potential to deliver attractive risk adjusted returns with lower volatility.

What is Direct Lending?

Direct Lending connects borrowers and lenders. Investors (lenders) use Direct Lending and Peer-to-Peer (P2P) platforms to invest in lending opportunities, enabling individuals and companies (borrowers) to raise finance.

Property lending

Smaller scale projects, including building affordable housing, are typically funded by specialist bridge finance lenders, who respond quickly to opportunities.

Supporting UK business

Enabling companies to obtain funding in a flexible and cost effective way. Finance can be structured as a Corporate loan, Asset-backed Loan, or as Invoice Discounting.

Your guide to investing with confidence

Steps to Successful Investing will help you make informed decisions, to make investing in direct lending work for you.

Your objectives and risk profile

Understanding the pitfalls

The importance of diversification

Staying pro-active

Choosing the right lending partners

Selecting the best loan opportunities

Download Guide

It was simple to get started and so far the returns have been great.

John

What is great? - Very quick and easy to set up - Fabulous reporting…

Sebastian M

All round customer service has been excellent…very pleased with our experience with BondMason.

Mr Biddle

I have no reservations in using or recommending BondMason as a platform.

Nikki

I have used many peer to peer lending sites over the last 5 years and this is the best by far, they manage my account for me only investing in carefully selected loans, they have diversified my account and after fees and currently no bad debt to date (6 months) I am still archiving 8.3% after fees.

Keith. H

Great interface and dashboard. Deployment of cash was seamless and so far the returns are excellent whilst offering good liquidity.

Andrew

Would highly recommend Bondmason - very efficient, great interface and I rate highly their cautious approach to peer-to-peer investment.

Alexander. C

Our SIPP and SSAS Service

You could boost your pension with a SIPP or a SSAS self-invested pension scheme.

The BondMason SIPP and SSAS Service enables you to target returns of up to 8% p.a form a diverse set of approved direct lending opportunities, allowing you to receive your returns tax free.

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SOME OF THE THINGS OUR CUSTOMERS LOVE

Why Choose BondMason

In safe hands

Working with approved partners, our team of experts scrutinise the market to source and filter the best lending investment opportunities.

Proven performance

Spreading investment across different partners and loan types, focusing on lending secured against property, helps to manage risk and target healthy returns.

Investor focused

We're exclusively for investors, not borrowers, so we ensure every decision we make is aligned with our clients' best interest.

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The BondMason Market Report

Recognised by the Chartered Institute of Securities and Investment and endorsed with CPD accreditation, the market report explores the evolution of direct lending, providing a market-wide view with insights into how to invest successfully into this mainstream pension-grade asset class.

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