* 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
Security Reminder: Protect your account by enabling Two-Factor Authentication (2FA) via the "My Account > Security" section. Contact the team today to find out more!
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
£427,040,673
GROSS LOAN LENT IN JUNE-25
£7,847,,880
CAPITAL REPAID
£303,503,076
CAPITAL REPAID JUNE-25
£6,030,184
SECONDARY MARKET SALES
£6,967,316
NET LOAN OUTSTANDING IN JUNE-25
£137,060,327
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 Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total / Wt Avg. | OPEN Loans | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Count | 10 | 44 | 44 | 75 | 77 | 108 | 143 | 123 | 239 | 87 | 923 | 242 | |
| Total Gross Loan Amount | £1.19 m | £11.6 m | £12.8 m | £33.1 m | £27.9 m | £65.4 m | £56.3 m | £83.3 m | £93.2 m | £29 m | £407.9 m | £133.6 m | |
| Total Net Loan Amount | £1.19 m | £11.6 m | £12.84 m | £33.08 m | £20.42 m | £57.52 m | £49.83 m | £66.5 m | £101 m | £28.9 m | £377.7 m | £151.8 m | |
| Average Gross LTV | 53 % | 57 % | 56 % | 58 % | 58 % | 65 % | 67 % | 66 % | 63% | 66% | 61% | 68% | |
| Average Net LTV | 51 % | 56 % | 52 % | 53 % | 51 % | 58 % | 60 % | 57 % | 56 % | 58% | 55% | 60% | |
| Average Gross Loan | £0.12 m | £0.26 m | £0.29 m | £0.44 m | £0.36 m | £0.61 m | £0.39 m | £0.66 m | £0.38 m | £0.38 m | £0.39 m | £0.55 m | |
| Average Property Value | £0.45 m | £0.69 m | £0.64 m | £0.82 m | £0.58 m | £0.83 m | £0.54 m | £0.71m | £0.67 m | £0.55 m | £0.65 m | £0.81 m | |
| Average Monthly Interest Rate | 1.9 % | 1.5 % | 1.1 % | 1.1 % | 1.1 % | 1.0 % | 1.0 % | 1.1 % | 1.3% | 1.2% | 1.24 % | 1.23 % | |
| Average Contractual Term (Mo.) | 8 | 10 | 10 | 10 | 11 | 12 | 12 | 12 | 9 | 10 | 10 | 11 | |
| Average Actual Term (Mo) (2) | 9 | 12 | 12 | 12 | 14 | 15 | 12 | 13 | 9 | 10 | 12 | 11 | |
| Average Additional Months | 1 | 2 | 2 | 2 | 2 | 3 | 1 | 1 | 0 | 0 | 1 | 1 | |
| % of Loans Repaid Late (vs Gross Loan) | 0.00 | 3.2 % | 1.4% | 6.4% | 0.6 % | 16.3 % | 7.0 % | 24.5 % | 19.0 % | 0 | 7.8 % | 14.29 % |
| Origination Year | OPEN Loans |
|---|---|
| Loan Count | 242 |
| Total Gross Loan Amount | £133.6 m |
| Total Net Loan Amount | £151.8 m |
| Average Gross LTV | 68 % |
| Average Net LTV | 60 % |
| Average Gross Loan | £0.55 m |
| Average Property Value | £0.81 m |
| Average Monthly Interest Rate | 1.23 % |
| Average Contractual Term (Mo.) | 11 |
| Average Actual Term (Mo) (2) | 11 |
| Average Additional Months | 1 |
| % of Loans Repaid Late (vs Gross Loan) | 14.29% |
Here’s a snapshot of Kuflink Select Invest and Pool performance since launch. These are what Investment returns look like in different product types – Select invest, Pool (Auto and IF-ISA Invest)
*For the predictive default rate, the definition used was the weighted average of the percentages over the 7 years 2018-2024.
*For the predictive default rate, the definition used was the weighted average of the percentages over the 7 years 2018-2024.
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
under development
under development
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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