Our Help Centre

Find the answers to your questions
Everything you need to know to get started
Deploying your money through BondMason is simple and straightforward.

Many of our clients choose to take an ‘invest and sit back’ approach. However, you may have some initial questions about your account or want to delve deeper into your individual investment activity. Our client guide gives you an overview of:

  • What you can expect in the first few weeks of opening your account
  • Useful answers to frequently asked questions
  • A guide to your personalised dashboard and keeping track of your investment portfolio
Download client guide
What is BondMason?

BondMason is the UK’s first direct lending service exclusively for investors. Starting with as little as £5,000; clients who have held their accounts for at least 12 months have achieved an average gross return in excess of 8.0% p.a. since April 2015.

In a just a few clicks, clients can purchase Receiviables (cash receipts) individually linked to underlying P2P loans and receiviables from approved P2P and Direct lending platforms.

Is there a minimum I can invest?

The minimum amount to open an account is £5,000.

What happens to my money, and how is it protected?

Your money is sent to a segregated client bank account held with Barclays. This money is ring-fenced from our own money.

From there, your money is used to purchase Receivables in accordance with your settings. Each Receivable is given a unique reference code in our transaction database; and these records are backed up in four different locations. You can see a summary of your investments on your dashboard at any time - and can choose to hold, liquidate or sell any or all of your holdings at any time.

Who is a typical BondMason client?

BondMason clients include individuals depositing from as little as £5,000; through to companies and institutions investing much more than this. We can't provide advice on your individual circumstances - please speak to your financial advisor for advice, to decide if BondMason may be suitable for you.

Sadly we can't accept any investors based in the US, or that are US taxpayers. But please contact us if you are based in the US, or a US taxpayer - as we may change this policy in the future

How can I set up an account?

Please go to the BondMason homepage, and click "Open your account".

You will be taken through a few steps to provide your contact details, set your deployment preferences and you're all done! It should take less than a few minutes to get going.

What is a Receivable?

A Receivable is a set of cash flows. Purchasing a receivable means that a buyer is able to access a set of cash flows from the seller of the Receivable.

For example: a seller may sell a Receivable for £100 on January 1st, which entitles the buyer to a cash flow of £108 on December 31st. This gives the buyer access to an 8% p.a. return.

How can I monitor my performance and portfolio?

Every client gets a personalised dashboard, with a summary of their investment performance, updated daily and containing high level detail on every underlying loan investment.

  • Loan investment detail includes:
  • Amount: the amount you have invested in that loan investment
  • Rate: the interest rate on that loan investment
  • Term: the remaining months for that loan
  • Borrower type: whether the loan has been made to a company (corporate), individual (consumer) or against an asset or property
  • Investment status: whether the loan is performing or in default
  • Loan reference: the reference number relating to the underlying loan
  • Receivable reference: the reference number relating to your portion of the underlying loan
How can I ask a question or contact BondMason?

Please feel free to contact us with any questions or comments at invest@bondmason.com. We pride ourselves on being contactable by clients, and will be delighted to answer any question you may have.

What is your complaints handling procedure?

Client satisfaction is our top priority at BondMason. Please contact us immediately if you have any concerns, questions or feedback: invest@bondmason.com We will be delighted to try and resolve these for you as soon as possible. Please note that we are not a financial advisor, so cannot provide any investment advice or guidance.

Chiltern BondCo: Frequently Asked Questions

 

Q: How are my funds used?

A: The funds raised will be provided to Chiltern Bond Co Ltd and used to create a lending portfolio which will predominantly comprise loans, receivables and loan investments, benefiting from security against residential and commercial property in the UK.

Q: How much can I invest?

A: The minimum investment is £1,000, with denominations thereafter of £1,000, up to a maximum of £250,000. The Bond has a maximum subscription of £7,000,000.

Q: Who can invest in the Absolute Return Bonds?

A: Qualified investors may invest in the Absolute Return Bonds. A qualified investor is a person who falls within the three main categories (1) Self Certified Sophisticated Individual, (2) Certified Sophisticated Individual and (3) Certified High Net Worth Individuals.

You may also be able to invest in the Absolute Return Bonds if you are a Restricted Investor. In summary this means you cannot invest more than 10% of your net assets in the bond(s) or other non-readily realisable securities.

Q: Is my investment ISA eligible?

A: You may invest in The Absolute Return Bonds through the BondMason Innovative Finance ISA, a trading name of Northern Provident Investments Limited who are the ISA Manager.

Q: Are the Absolute Return Bonds transferable?

A: There is no ready market in which the bond may be sold. If the Absolute Return Bond is transferred before maturity, a selling fee of 0.5% will be applied to the seller.

Q: How long are the Absolute Return Bonds available for?

A: The 1 year bond expires on 1 October 2019 and the 3 year bond on 1 October 2021.

Q: What is the coupon or interest payable on the Absolute Return Bonds?

A: The 1 Year Absolute Return Bond I coupon is 3.35% p.a. The 3 Year Absolute Return Bond II coupon is 3.85% p.a.

Q: Do I earn interest straight away?

A: Interest is calculated daily and allocated on the maturity of the bond. Within the IF ISA, interest can be allocated either on a semi  annual or annual basis. Interest payable outside an IF ISA may be taxable depending on personal circumstances.

Q: What risks do I need to be aware of when investing in the bond?

A: Investment into the Absolute Return Bond involves risks to your capital and interest payments. In the event that an underlying loan was unable to be repaid, The Absolute Return Bonds would attempt to recover the funds outstanding, however such security arrangements do not guarantee full return of capital and interest to the lending portfolio.

Q: Is my investment covered by the Financial Services Compensation Scheme?

A:The investment is not protected under the Financial Services Compensation Scheme.

Q: How do I invest in the Absolute Return Bonds?

A: Availability is limited and is restricted to certain investor types.To subscribe to the bonds simply:

1. Open your online account with BondMason.com.

You will need to confirm that you have read and agreed to BondMason's Terms and Conditions, BondMason's Privacy and Cookie Policy and confirm that you are not a US taxpayer or US citizen.

2. Apply for your Absolute Return Bond(s)

You will need to confirm your investor status, and if investing through an IF ISA agree to the IF ISA Terms and Conditions.

Please read the Information Memorandum for the bond you are subscribing for carefully.

This website page is a joint promotion that has been issued by Absolute Return Bond I Ltd and Absolute Return Bond II Ltd, both trading as The Absolute Return Bond, The Absolute Return Bonds and Chiltern BondCo. Absolute Return Bond I Ltd and Absolute Return Bond II Ltd are the names of the bond issuing entities, issuing 1 year and 3 year bonds respectively. Absolute Return Bond I Ltd & Absolute Return Bond II Ltd: Registered Address Unit 4, Kinsbourne Court, Luton Road, Harpenden, Hertfordshire, AL5 3BL. Registered in England and Wales. Absolute Return Bond I Ltd Company Number: 11489122. Absolute Return Bond II Ltd Company Number: 11489199. This website page has been approved for the purposes of Section 21 of the FSMA by Northern Provident Investments Limited. When we refer to ‘the Company’ and ‘the Issuer’ we are referring to either/or The Absolute Return Bond I Ltd and The Absolute Return Bond II Ltd

Find out more

See further information on our Resource Hub about Direct Lending