BondMason Core Product:
The Chiltern BondCo ISA-eligible Bonds:
Should you have any queries, please email us at email@example.com
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.
The minimum amount to open an account is £5,000.
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.
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
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.
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.
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.
Please feel free to contact us with any questions or comments at firstname.lastname@example.org. We pride ourselves on being contactable by clients, and will be delighted to answer any question you may have.
Client satisfaction is our top priority at BondMason. Please contact us immediately if you have any concerns, questions or feedback: email@example.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.
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.
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.
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.
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.
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.
A: The 1 year bond expires on 1 October 2019 and the 3 year bond on 1 October 2021.
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.
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.
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.
A:The investment is not protected under the Financial Services Compensation Scheme.
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.
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
See further information on our Resource Hub about Direct Lending