Loanpad
Simple property-backed lending with daily interest accrual. Conservative LTV ratios with focus on capital preservation and liquidity.
General Information
Loanpad is an FCA-authorised peer-to-peer lending platform founded in 2018 that focuses on property-backed loans with a strong emphasis on capital preservation and liquidity. The platform differentiates itself through conservative loan-to-value ratios, typically lending at significantly lower LTVs than many competitors.
Loanpad offers daily interest accrual and has built its proposition around simplicity and accessibility, with a very low minimum investment threshold. The platform positions itself as a lower-risk option within the P2P property lending sector, though all capital remains at risk.
How does it work?
Loanpad operates a pooled lending model where investor capital is allocated across a portfolio of property-backed loans rather than individual deal selection, providing automatic diversification across multiple borrowers and properties.
What do they offer?
Loanpad offers pooled property-backed lending products with daily interest accrual and a low minimum investment starting from £10. The platform provides an IFISA wrapper for tax-efficient investing.
The pooled structure means investors do not select individual loans but instead gain exposure to a diversified portfolio. The platform operates a secondary market facility, though liquidity is not guaranteed.
Who is it for?
Loanpad is positioned for investors seeking a simpler, more accessible entry point to property-backed P2P lending. The low minimum, daily interest accrual, and pooled structure appeal to investors who prefer a passive approach.
However, capital remains at risk. The pooled model reduces concentration risk but does not eliminate the possibility of losses. Investments are not FSCS-protected.
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Disclaimer: This article is for informational and educational purposes only and does not constitute financial advice and should not be considered as such. In particular, it does not constitute personal advice — please consult a qualified financial adviser to address your particular personal requirements. Other is not regulated by the Financial Conduct Authority (FCA), its authors are not financial advisers and it is therefore not authorised to offer financial advice. This article is not intended as an offer, invitation or solicitation for the purchase or sale of any investment, nor is its issuance intended to give rise to any other legal relations whatsoever and must not be relied upon for the purposes of any investment decision. The information contained in this article is subject to updating, revision and amendment.
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