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* 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
  • Loan pricing
  • Valuation and searches on properties
Relationship between Borrower, Lender and Kuflink

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).
Risks of P2P investing

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.
Investing on the Platform

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.
access-to-funds

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.
rates-may-vary

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-wind-down-plan

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Kuflink Ltd

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: 21 West Street, Gravesend, DA11 0BF.  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

† Gross annual interest equivalent rate – FAQ Link
† Secured on fixed charge (e.g. property) and/or floating charge

Kuflink Bridging Ltd 

Kuflink Bridging Ltd is Incorporated in England and Wales as Co. No. 07889226. Registered office: 21 West Street, Gravesend, DA11 0BF.

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.

Copyright © 2025  Kuflink Group Limited. All Rights Reserved.

Kuflink ® is a registered European Community trademark (No.  79295020 & 79295083) and a registered United States trademark (No. 1553541 & 1553358) of Kuflink Group Limited.

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