HNW Lending

HNW Lending Ltd is a UK peer-to-peer (P2P) lending platform that arranges secured loans, primarily against property and other high-value assets. The firm is directly authorised and regulated by the Financial Conduct Authority (FCA) under FRN 712956 and is authorised for P2P lending, credit broking and debt administration [1]. The platform states it has facilitated c. £150m of lending since 2014 and paid c. £25m in interest to lenders; these are platform-reported cumulative figures and relate to historical activity rather than guaranteed future returns [3]. The company holds client funds in segregated, FCA-compliant client accounts and reports an FCA-approved wind-down plan [1].

Investors apply online, pass FCA-required onboarding checks, and can choose to invest in specific loans or use an auto-invest option to diversify across loans (platform-stated process) [3]. Loans are typically short-term and secured; borrowers may include corporates, individuals and pension schemes. Interest and capital repayments are collected by the platform and paid to lenders per the loan terms. Directors report taking a “first loss” position on loans (platform-stated), which is intended to align operator and investor incentives — this is a risk-mitigation feature, but does not eliminate the possibility of capital loss or late payments [3].

Why it matters: security against assets and directors’ co-investment can improve recoverability in default scenarios, but recovery can be slow and is not guaranteed.

Product range: asset-backed loans (predominantly UK property collateral), IFISA wrapper and individual cash accounts. Minimums: IFISA £5,000; individual cash £10,000 [3]. Fees: the platform states there are no setup or platform charges for individual cash investments or IFISAs [3]. Historical performance: the firm reports an average interest of c. 11.3% to lenders across its history and that under £0.5m of capital was lost in the early cohort of lending (figures reported by the platform) — these are retrospective numbers and should not be treated as forward-looking guarantees [3]. Secondary market/liquidity: there is limited liquidity and the platform cautions that selling loans at market value on its secondary market is not guaranteed; investors should treat investments as potentially illiquid [3].

Why it matters: higher historical returns reflect compensation for credit, liquidity and operational risk; limited liquidity and reliance on asset recovery or legal remedies can delay or reduce nominal capital returns.

HNW Lending is primarily for investors prepared to accept: a minimum investment (IFISA £5,000; cash £10,000), illiquidity, and the credit risk inherent in short-term secured lending. It may suit experienced investors or institutions seeking higher-yielding, asset-backed opportunities and who understand that recovery often depends on asset sales or legal action. It is not suitable for investors who require guaranteed liquidity, FSCS protection or predictable monthly cashflows.

FCA status: HNW Lending is directly authorised by the FCA (FRN 712956) for P2P lending, credit broking and debt administration [1]. In September 2020 the platform agreed a regulatory restriction with the FCA that temporarily limited new retail lending and certain secondary market activity while it strengthened its risk-management arrangements; the restriction was lifted in October 2020 once the required changes were implemented [1].

Court cases: HNW Lending has been the subject of multiple court proceedings regarding its ability to enforce certain loan agreements. A High Court decision in HNW Lending Ltd v Lawrence (judgment dated 15 May 2025) found that HNW Lending had a right to make a claim and enforce a bridging loan in the facts of that case; the judge also found that HNW Lending was not authorised to provide regulated mortgage agreements where the borrower intended to live in the property, but indicated enforcement would have been permitted on the facts for other reasons. Permission to appeal has been reported in related coverage [2].

Why it matters: legal rulings can materially affect enforceability and recoverability of loans and therefore investor outcomes; successful litigation can support recoveries but may incur cost and delay.