Invest in Direct Lending - the smart way.

We make it easy for investors to target attractive returns from loans secured against UK property.
BondMason Core
Diversified portfolio of loan investments.

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

3-year track record • Invest today • Good liquidity

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

See our terms and conditions.

 

Chiltern Bonds
Fixed-term bonds: 1-year and 3-year.

Target returns of up to 3.85% p.a.

ISA eligible • Equity cushion • Fee free

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

See our terms and conditions.

 

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.

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.

BondMason calendar

 

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.

Early access to funds

We know your circumstances may change.  With BondMason Core it is good to know that you are typically able to liquidate your investment and withdraw funds in 1-2 days.

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. On all normal circumstances you can access your money much faster.

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.

bond option table

 

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.

Investment Calculator
Investment Return Calculator
Try our simple interest calculator to see how much your money could potentially earn

Seeking out attractive returns in the current economic environment is a challenge. Inflation and low interest rates are having a significant impact on the real value of wealth.

As more investors use Direct Lending to target a better return on their cash, why not try our simple investment calculator so see how much you could potentially earn.

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.

Investor borrower flow graphic
Refer a friend and share £100

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 £50.

Spread the word, share the reward.

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. 

SOME OF THE THINGS OUR CUSTOMERS LOVE
Why Choose BondMason
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

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.

BondMason - Marketing Report
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