Don't invest unless you're prepared to lose money. This is high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 minutes to learn more
The Appropriateness Test Guide
The relationship between the Borrower,
The Lender and Kuflink
An Article 36H agreement (for Individuals) or a lender agreement (for Corporates) is how the relationship is formed between lender and borrower.
Kuflink facilitates and manages this and is responsible for collecting, making capital and interest payments.
You will never have to seek any repayment from the borrowers directly nor do you need to do any due diligence on the borrowers.
Kuflink will take care of:
Credit checks on borrowers
Valuation and searches on properties
Risks of P2P investing
Borrower’s circumstances can always changeand there is a risk that they might make payments later than was agreed with kuflink, or they might even fail to repay the entire loan.
Holding your investment in an IFISA does not reduce the risks associated with P2P agreements.
Your investment is not protected by the Financial Services Compensation Scheme (FSCS).
Investing on the Platform
Investing in Kuflink is not the same as having a savings account.
Peer to peer Investments that are listed on the secondary market may take time for the investment to be sold.
Access to funds
When you invest via Kuflink, you are tied in for the duration of the loan term unless you use Kuflink’s secondary market and sell your loan parts to another investor.
There is no guarantee that someone will buy your loan part, and a small fee is applied to the seller if someone does buy the loan part from you.
You are unable to list a loan part for sale that is in default, in arrears or pending status update, and the secondary market is only applicable to Select Invest loan parts.
Peer to peer Investments that are listed on the secondary
market may take time for the investment to be sold.
Rates may vary
Retail investors are advised not to invest more than 10% of their net assets in high-risk investments e.g. P2P agreements.
Kuflink loans are secured against UK property. We conduct all the due diligence before a loan is approved, however there is always a possibility of you losing your money.
Your investment return can vary over time.
Kuflink Wind Down Plan
If Kuflink decided to stop accepting any new business, Kuflink’s 'Wind Down Plan' ('WDP') would come into effect.
The Wind down plan is designed to ensure that your investment will continue to perform as expected however this is not guaranteed.
Kuflink will not recall all loans from borrowers or terminate your investments or simply shut your account.
For Individual and Corporate investors, the funds in the Kuflink wallet
are covered by FCA Client Money Rules and are held in a segregated
client account with NatWest Bank Plc.
Kuflink Ltd (Incorporated in England & Wales: Co. No. 08460508) is authorised and regulated by the Financial Conduct Authority (FRN: 724890) as an Online P2P Platform. Registered office: Level 1, Devonshire House, One Mayfair Place, Mayfair, London W1J 8AJ. Kuflink Ltd has been approved by the Board of HM Revenue and Customs to act as an ISA manager in May 2017 to offer Innovative Finance ISAs – ISA manager No – Z1943.
Lender/Investor Risk Warning * Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
Kuflink Bridging Ltd (Incorporated in England & Wales: Co. No. 07889226) is authorised and regulated by the Financial Conduct Authority (FRN: 723495) as a Lender for Bridging Loans. Registered office: Level 1, Devonshire House, One Mayfair Place, Mayfair, London W1J 8AJ.
Borrower 1 Risk Warning ø Loans, interest rates and completion times are subject to underwriting criteria. We only sell bridging finance products from Kuflink Bridging Ltd. We do not offer products from across the mortgage market. FAILURE TO MEET THE REPAYMENT CRITERIA OF A LOAN COULD RESULT IN THE SECURITY BEING REPOSSESSED.
Kuflink Home Loans Limited
Kuflink Home Loans Limited (Incorporated in England & Wales: Co. No. 07817421) is authorised and regulated by the Financial Conduct Authority (FRN: 571773) as a Lender for Regulated Mortgage Contracts. Registered office: 21 West Street Gravesend, Kent DA110BF.
Borrower 2 Risk Warning øø Loans, interest rates and completion times are subject to underwriting criteria. We only offer mortgages from Kuflink Home Loans Ltd. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN(S) SECURED ON IT.
Kuflink One Ltd
Kuflink One Ltd (Incorporated in England & Wales: Co. No. 12206864) is authorised and regulated by the Financial Conduct Authority (FRN: 922026) as a Registered Account Information Service provider (AISP) – Open Banking. Registered office: 21 West Street Gravesend, Kent DA110BF.
Kuflink ® is a registered European Community trademark (No. 79295020 & 79295083) and a registered United States trademark (No. 1553541 & 1553358) of Kuflink Group Plc.
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