Track Record: Summary

(as at 31 March 2021)

A proven track record will always give you confidence.

Since the start, Kuflink has always been proud of its track record when it comes to facts and figures. However, to some that is all just a load of numbers in a spreadsheet, so we have taken the time to break it down for you below.

Any other questions? Give the team a shout and they will be happy to help!

Figures correct as of 31st March 2021. You can view historical data here

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 Year201620172018201920202021Total / Wt Avg.OPEN Loans
Loan Count104854908617305116
Total Gross Loan Amount£1.2 m £12.25 m £20.02 m £43.97 m £37.63 m £15.96 m £131.02 m £71.34 m
Total Net Loan Amount£1.16 m £11.64 m £18.69 m £39.68 m £23.87 m £7.3 m £102.36 m £47.18 m
Average Gross LTV49 %60 %59 %59 %65 %62 %60 %65 %
Average Net LTV48 %56 %52 %56 %51 %52 %54 %53 %
Average Gross Loan£0.12 m£0.26 m£0.37 m£0.49 m£0.44 m£0.94 m£0.43 m£0.62 m
Average Property Value£0.5m£0.7m£0.8m£1m£0.7m£0.9m£0.8m£0.9m
Average Monthly Interest Rate1.9 %1.5 %1.1 %1.1 %2.2 %0.9 %1.5 %1.9 %
Average Contractual Term (Mo.)89101012121111.7
Average Actual Term (Mo) (2)1910131212121211.9
Average Additional Months216753048.138
% of Loans Repaid Late (vs Gross Loan)47 %55.9 %47 %57 %9.8 %0 %34.8 %28.4 %
% of Defaults30 %27.6 %18.6 %23.5 %0.4 %0 %13.6 %10.8 %
% of Write Offs (vs gross loan)1 %0.1 %0.5 %0 %0 %0 %0.1 %0 %
Kuflink Chart
Breakdown by Property Type
1st Charge vs 2nd Charge
Breakdown by Gross LTV
Historic Lending Volumes(Gross loan in millions)

Active Loan Book

Origination YearOPEN Loans
Loan Count116
Total Gross Loan Amount£71.34 m
Total Net Loan Amount£47.18 m
Average Gross LTV65 %
Average Net LTV53 %
Average Gross Loan£0.62 m
Average Property Value£0.9m
Average Monthly Interest Rate1.9 %
Average Contractual Term (Mo.)11.7
Average Actual Term (Mo) (2)11.9
Average Additional Months8.138
% of Loans Repaid Late (vs Gross Loan)28.4 %
% of Defaults10.8 %
% of Write Offs (vs gross loan)0 %
Breakdown by Property Type
1st Charge vs 2nd Charge
Breakdown by Gross LTV
Geographical Split

Default Rates by Risk Category

FCA's Default Definition

*For the predictive default rate, the definition used was the average over the 3 years 2018-2020.

Kuflink's Default Definition

*For the predictive default rate, the definition used was the average over the 3 years 2018-2020.

Award Winning

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