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Stats
We have now made it easier for time constrained investors to build a diversified loan portfolio and earn regular monthly interest.
P2P Lending is not comparable to depositing money in a savings account and is not covered by the FSCS. All capital is at risk and loan interest is not guaranteed if the Borrower defaults. Actual returns may vary.
ABOUT US
Platform Statistics
£364,164,555
Property Funded
£195,370,546
Loans Funded
59.53%
Average Loan to Value (LTV)
£21,711,376
Interest Paid (Before Fees)
£129,940,656
Capital Repaid
Loan Performance 'Actuals' To Date
| ORIGINATION YEAR | LOANS FUNDED | INTEREST ARREARS 1 | LOANS REPAID 2 | LOANS PAST MATURITY <180 DAYS 3 | LOANS PAST MATURITY >180 DAYS 4 | LENDER LOSSES 5 |
|---|---|---|---|---|---|---|
|
2014 |
3 |
|
3 |
|
|
£0 |
|
2015 |
6 |
|
6 |
|
|
£0 |
|
2016 |
3 |
|
3 |
|
|
£0 |
|
2017 |
20 |
1 |
20 |
|
|
£0 |
|
2018 |
26 |
|
26 |
2 |
|
£3116 |
|
2019 |
38 |
|
36 |
8 |
|
£0 |
|
2020 |
27 |
|
18 |
|
|
£0 |
|
2021 |
43 |
|
9 |
1 |
1 |
£0 |
|
2022 |
35 |
|
4 |
|
|
£0 |
|
Total |
201 |
1 |
125 |
11 |
1 |
£311 |
Last edited 31 December 2022
Notes
1
Number of loans by origination year
2
Number of loans by origination year that have been repaid
3
Number of loans by origination year that are past maturity by <180 days
4
Number of loans by origination year that are past maturity by >180 days
5
Investor loss (GBP) amount by origination year per £1,000 loan part
5
Pertains to one Tranche B loan post enforcement
Loan Performance 'Actuals' To Date
Last edited 31 December 2022
| Origination Year | Loans Funded | Interest Arrears1 | Loans Repaid2 | Loans Past Maturity <180 days 3 | Loans Past Maturity >180 days 4 | Lender Losses 5 |
|---|---|---|---|---|---|---|
| 2014 | 3 | 0 | 3 | 0 | 0 | £0 |
| 2015 | 6 | 0 | 6 | 0 | 0 | £0 |
| 2016 | 3 | 0 | 3 | 0 | 0 | £0 |
| 2017 | 20 | 1 | 20 | 0 | 0 | £0 |
| 2018 | 26 | 0 | 25 | 2 | 0 | £311 6 |
| 2019 | 38 | 0 | 24 | 5 | 2 | £0 |
| 2020 | 27 | 0 | 13 | 0 | 0 | £0 |
| 2021 | 43 | 0 | 0 | 0 | 0 | £0 |
| Total | 166 | 1 | 94 | 7 | 2 | £311 |
Notes
1
Number of loans by origination year
2
Number of loans by origination year that have been repaid
3
Number of loans by origination year that are past maturity by <180 days
4
Number of loans by origination year that are past maturity by >180 days
5
Investor loss (GBP) amount by origination year per £1,000 loan part
5
Pertains to one Tranche B loan post enforcement
Average Annual Interest Rate (Avg. AIR)*
6.05%
Tranche A
(0-50% LTV)
7.87%
Tranche B
(51-65% LTV)
9.81%
Tranche C
(66-75% LTV)
*Annualised percentage return after fees, but before bad debt and taxes for active loans on the platform for the 12-month period to 31 December 2022, with Interest not re-lent. Calculated taking an average of the Annual Interest Rate (AIR) across all loans. The average AIR isn’t weighted based on the value of monies lent and assumes that the average AIR is achievable based on lending the same amount to all loans listed on the platform. Past performance is not a reliable indicator of future performance. Tax treatment depends on individual circumstances and may be subject to change.
Expected Losses Proplend Stress Test**
0%
Tranche A
Expected Losses
2%
Tranche B
Expected Losses
5%
Tranche C
Expected Losses
** Assuming property values fall 30%
Average AIR After Expected (Stress Tested) Losses***
6.05%
Tranche A
(0-50% LTV)
5.87%
Tranche B
(51-65% LTV)
4.81%
Tranche C
(66-75% LTV)
*** This is calculated as Average Annual Interest Rate (row 2) minus Expected Losses Proplend Stress Test (row 3)
Outcomes Statement
To help you monitor the performance of the loan portfolio, we will publish an Outcomes Statement to show the expected and actual default rate of all loans originated within a financial year by reference to risk categories. It will also show the actual return against any target rate offered.
To help you monitor the performance of the loan portfolio, we will publish an Outcomes Statement to show the expected and actual default rate of all loans originated within a financial year by reference to risk categories. It will also show the actual return against any target rate offered.
1
Proplend Outcomes Statement for year ending 31st December 2022
2
Proplend Outcomes Statement for year ending 31st December 2021
3
Proplend Outcomes Statement for year ending 31st December 2020
4
Proplend Outcomes Statement for year ending 31st December 2019
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