Auto/Auto IF-ISA 1%, 2% or 3% Cashback Boost (T&C’s apply)

* 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

Kuflink Statistics Information

As of 31st AUG 2024

A proven track record will always give you confidence.

Kuflink is Authorised and Regulated by the Financial Conduct Authority with a commitment to Transparency. Here is a breakdown of our Lending performance and our Investor Returns Performance. 

TOTAL AMOUNT INVESTED
£359,224,798

GROSS LOAN LENT IN AUG-24
£7,292,467

CAPITAL REPAID
£245,644,546

CAPITAL REPAID AUG-24
£4,739,671

SECONDARY MARKET SALES
£6,294,900

NET LOAN OUTSTANDING IN AUG-24
£136,982,522

Cumulative Lending Track Record

Cumulative per year includes all loans completed/writen in that year, month by month, whether open or closed now. Active Loan book includes all live/open loans regardless of when the loan was completed/written.

Origination Year201620172018201920202021202220232024Total / Wt Avg.OPEN Loans
Loan Count103836656291111108125646178
Total Gross Loan Amount£1.19 m£9.00 m£12.00 m£32.75 m£24.40 m£71.24 m£55.24 m£102.29 m£70.40£378.5 m£133 m
Total Net Loan Amount£1.19 m£9.00 m£10.65 m£30.64 m£17.89 m£42.58 m£40.28 m£59.95 m£56.31£268.53 m£118.4 m
Average Gross LTV53 %59 %57 %56 %59 %62 %65 %64 %6362 %66 %
Average Net LTV51 %58 %52 %52 %52 %55 %58 %55 %5655 %58 %
Average Gross Loan£0.11 m£0.24 m£0.29 m£0.47 m£0.34 m£0.63 m£0.43 m£0.7 m£0.4 m£0.48 m£0.7 m
Average Property Value£0.44m£0.62m£0.61m£0.95m£0.58m£0.85m£0.57m£0.75m£0.72£0.60m£0.9m
Average Monthly Interest Rate1.9 %1.5 %1.1 %1.1 %1.1 %1.0 %1.0 %1.1 %1.2 %
1.1 %1.1 %
Average Contractual Term (Mo.)81010111112121291114
Average Actual Term (Mo) (2)91212131316121291114
Average Additional Months12332410011
% of Loans Repaid Late (vs Gross Loan)0.0018.5%1.6%7.7%0.7 %16.5 %13.9 %11.1 %0.0 %9.4 %8.72 %
This image shows historic lending volumes since 2016 in a bar chart format

Active Loan Book

Origination YearOPEN Loans
Loan Count221
Total Gross Loan Amount£138.0 m
Total Net Loan Amount£142.2 m
Average Gross LTV66 %
Average Net LTV59 %
Average Gross Loan£0.6 m
Average Property Value£0.9m
Average Monthly Interest Rate1.2 %
Average Contractual Term (Mo.)12
Average Actual Term (Mo) (2)13
Average Additional Months1
% of Loans Repaid Late (vs Gross Loan)9.32 %

Annual Investment returns

Select Invest % Interest Rate per year

Pool Invest % Interest Rate per year

A chart breaking down the Weighted Average Select Invest % Interest Rate Per Year
A chart from 2018-2024 displaying the % rate per year increase, each yeah the bar chart increases

Default Rates by Risk Category

FCA's Default Definition

*For the predictive default rate, the definition used was the weighted average of the percentages over the 7 years 2018-2024.

Kuflink's Default Definition

*For the predictive default rate, the definition used was the weighted average of the percentages over the 7 years 2018-2024.

Forbearance between 27th April 2020 to 27th April 2021.
  • 30 Loans that were on the platform during this period were provided with forbearance
  • 29 of these were due to covid and 1 was due to long term financial difficulties
  • 26 of these loans have then been repaid in full following forbearance (Updated 17th November 2021)

Forbearance between 1st May 2021 to 31st July 2023

  • During this period 18 loans have been provided with forbearance
  • 17 of these loans have repaid in full and one is currently open (Updated 1st September 2023)

Forbearance between 27th April 2020 to 27th April 2021.

  • 30 Loans that were on the platform during this period were provided with forbearance
  • 29 of these were due to covid and 1 was due to long term financial difficulties
  • 26 of these loans have then been repaid in full following forbearance (Updated 17th November 2021)

Disclaimer: The above Information contains tables and other statistical analyses that Kuflink has prepared. We have used numerous assumptions in preparing this statistical Information, which may or may not be reflected in the material. The statistical information should not be construed as legal, tax, investment, financial, or accounting advice. The Information is provided as of the dates shown and is subject to updating and revision, and may change materially without notice. Subject to applicable regulations, no person is under any obligation to update or revise the Information. The Information may contain various forward-looking statements, which are statements that are not historical facts and that reflect Kuflink’s beliefs and expectations with respect to future events and financial and operational performance. These forward-looking statements involve known and unknown risks, uncertainties, assumptions, estimates and other factors, which may be beyond the control of Kuflink and which may cause actual results or performance to differ materially from those expressed or implied from such forward-looking statements. Nothing contained within the Information is or should be relied upon as a warranty, promise, or representation, express or implied, as to the future performance of any loans. Any historical Information contained in this statistical information is not indicative of future performance.

Award Winning

The image shows Kuflink as a Moneyfacts two time winner awards 2018-2019 Business Moneyfacts award winner 2017 - business product innovation of the year An image displaying the SFI awards, the text in the image displays: 'SFI Awards - presented by mortgage broker' This image shows the logo of PWA property wire awards This image shows BC-P2P-Award 2019, highly commended p2p lender of the year Commend award winning peer to peer Provider of the year 2019