Earn up to 9.73%*† gross per annum lending on Loans secured on UK property.
Kuflink's Purpose is to Connect People to Financial Freedom
"Yet another year of solid 5% returns on Kuflink's Auto lend, and an impressive 6.8% interest on its Select-Invest products. Outstanding results during the two years of the pandemic, made me a very happy investor. One of the things that confirms the strength of a business model is how it copes with stress-testing, i.e. a period when the wider economy undergoes significant shrinkage and uncertainty. Well, Kuflink has performed admirably, and can now look forward to the future with a high degree of confidence. There are several reasons for Kuflink's success, but I'll just mention a few standout ones: 1. Excellent due diligence: only those building projects that meet Kuflink's stringent funding criteria are accepted for investment. 2. Thorough follow-up of the loans to ensure the borrowers keep on track with the project schedules and repayments. (A special mention for Nattalie here, who is excellent.) 3. A responsive website: Kuflink's excellent tech dept makes regular improvements to the website, allowing lenders to more easily monitor their investments. The result is a website that allows users to see a great deal of detail, from the initial raising of the initial funds, and the development of the projects, right thru to the repayments. And all the projects are listed neatly in a portfolio, with access to all aspects of the development, so it makes the whole investment process more transparent. I could go on about how approachable the customer services are, the quality of the loans, the competitive interest rates for lenders, and the complete lack (zero) of failed investments, but readers might suspect I work for Kuflink! And not to mention the strong pipeline of building projects, which ensures cash drag (the time it takes to get your funds invested and earning interest) is kept to a minimum. Kuflink: please keep up the great work!"
Richard of Sussex
"I have been investing in Kuflink since early 2018. The website and structure of investing are simple to understand and use. In this time I have made many investments and always received the interest due. I like the company’s good communication with regards to my investments (regular updates) and the good returns that I receive on them. The main reason I invest with Kuflink is, unlike a lot of “crowdfunding” sites, that my investment is secured against fixed assets, so in the event of a problem, there is recourse. In addition, Kuflink themselves invest their own money in each “deal” on offer, which gives me a lot of confidence in the products even in these difficult times."
"I am a seasoned investor with accounts with 14 UK peer-to-peer lending platforms. The fact that my loans with Kuflink are all asset-backed, usually with first-charge security, over properties and/or land in the UK gives me peace of mind. The interest returns are generous. Most importantly, I have never lost a penny with any of my investments on Kuflink. The customer service is exceptional. The staff are friendly, on the ball, and always go the extra mile. Kuflink have grown to become my favourite P2P lending platform. Such is my confidence in the company that I have loaned £541,946 via them in the last six months."
"I have been investing with Kuflink for just over three year now and I am delighted with the results. It’s simple to use and understand, and I particularly like being able to choose individual properties myself. The staff are readily available to help with any questions, or advice needed and they will keep investors updated on your investments. The web site is easy to use and understand, making the investing with Kuflink something anybody can do.The fact that interest is paid monthly means you can see how well your investments are doing."
"I've used Kuflink for about three years now for both business and personal funds. When deposit rates continued to fall I looked to get a better return on cash. Peer to peer lenders were the obvious choice and Kuflink has proved to be a sound choice. Interest rates are excellent, and what I like in particular is that all loans are backed by property with sensible LTV rates, giving a very good level of security. The company invest alongside investors as well. Communications from Kuflink are excellent, and even in the difficult year we've just had, there have been no significant issues. I hate the term 'no brainer' but with deposit rates at a fraction of 1%, Kuflink is a great home for cash you're prepared to tie up for the next 12-18 months."
"I have been investing in Kuflink since early 2018. The web site and structure of investing is simple to understand and use. In this time I have made many investments and always received the interest due. I like the company’s good communication with regards to my investments( regular updates) and the good returns that I receive on them.The main reason I invest with Kuflink is ,unlike a lot of “crowd funding” sites, that my investment is secured against fixed assets, so in the invent of a problem there is recourse. In addition Kuflink themselves invest their own money in each “deal” on offer This gives me a lot of confidence in the product even in these difficult times."
"Like many, I was nervous about a “different” type of investment. But the Kuflink approach and professionalism has assuaged my worries and means my limited investment pot grows at a better rate than banks etc.The loans being secured on property was an initial security – and then in speaking to the team it was explained that Kuflink also put in a percentage of the company’s money – so it’s in everyone’s “interest” to ensure repayment – and I’ve never been let down – although sometimes it can take a little longer than the original agreed period – especially during the current strange times.Thanks Kuflink – keep doing what you do!"
"I was looking for a better return on my investments than the paltry interest rate my bank is offering. I have been really pleased with the interest rates offered by Kuflink. I also really appreciate the personal service which is excellent. I know from talking to you that your company takes due-diligence very seriously when choosing individuals or companies to lend money to. That is very reassuring."
"I came across Kuflink 3 years ago when trying to help a client repay their existing facility with them. I’ve never thought to use them previously but the way in which they handled this situation really impressed me. They had the client's best interests at heart when trying to find a solution. They worked on 3 different solutions to help the client. I found this so refreshing, having dealt with lenders whose main aim is to acquire assets, and it was something I wanted to align myself with. I found synergy in our principles and the way we work, putting the client first and always trying to find solutions. I always research the market for each deal, I present terms from a number of lenders, comparing rates, terms criteria as well as service. Each time they come out on top and prove why I recommend them on a daily basis. Having that trust with our lending partners as well as clients is key to any successful working partnership. Having now completed many transactions with Kuflink, they are without a doubt one of our top 5 lenders to work with and always rank in our market research when sourcing new facilities for clients."
Adele Turton (Blanc Property Finance)
"I approached Kuflink Bridging to complete on an auction purchase for a 100% facility with additional security offered. Mr Jeff Bungar was extremely helpful and co-ordinated the advance in good time for the 28-day completion deadline. I would not hesitate to recommend Kuflink Bridging Finance to my colleagues who need fast delivery of funds to meet their deadlines. Thank you."
"Thank You to Kuflink. We would like to thank Kuflink, who provided us with a friendly and flexible service in providing bridging finance for our development project at Honister Gardens. This project was originally due to last for 26 weeks, with building work having commenced in May 2019 and finance from Kuflink was due for a period of 12 months. This project took longer than planned, being completed in January 2021 and we needed to extend the loan agreement three times. Bridging lenders tend to have a bad reputation, however, this was not our experience with Kuflink. Each time we needed to extend the loan period or raise additional finance we found them to be approachable, understanding and easy to work with. In addition to the funding, Kuflink recommended a project management/employers agent service that we found to be very useful in assisting with things such as valuations and construction issues throughout the project and this helped contribute to its success. I would certainly wholeheartedly recommend Kuflink for the way they go the extra mile. We now have a completed project that we are extremely happy with!"
Deborah Pinnock-Daley - Operations Director, Striving For Independence Care
"In our experience, Kuflink were quick to make a decision and efficient in their credit checks and enquiry’s, and all this when even the high St banks were caught up in deliberating and hesitation. "
Tony Pritchard I.R.P.M Managing Director
"I took Bridge Loan from Kuflinks to purchase property in Gravesend. All Kuflink staff were professional and accommodating. My purchase went through very smoothly. All my emails were replied on the same day. I thank everyone at Kuflink."
Gurvinder Singh Saluja
"I have dealt with Kuflink as a borrower and lender. From both aspects, they were professional at all times. As a borrower, every 't' was crossed and every 'i' was dotted, and if I ever need funding again, there is only one organisation I would approach. Also, as a lender, Gurbinder was 100% professional with no sales pressure and clearly outlining all aspects of the transactions. For my company, there will only be one place to go - Kuflink."
David Hunter (Torpedo South Ltd)
9 reasons why Kuflink!
- We co-invest up to 5% alongside you* (Select-Invest only)
- Entire loan book secured against UK property* (1st & 2nd legal charges)
- Independently AUDITED Accounts since 2014 (Kuflink Group Plc)
- P2P Platform (Kuflink Ltd) profitable since 2020
- Bridging Loans since 2011 & Online P2P Platform since 2017
- Blended LTV & LTGDV circa 65%
- Over 928,401 investments with over £147m capital repaid (1st March 2023)
- Loan book monitored daily by our in house collections team
- Collections use 30 day Default rule v 180 day FCA Default rule
How it works
It's quick and easy to setup your account, and top up your Kuflink wallet.
Choose the specific deal you'd like to invest in (Select-Invest), or have us diversify your portfolio across a range of deals; we call that Auto-Invest.
Sit back and receive your interest, or alternatively choose to compound and receive your interest and more at the end of the loan term.
Figures correct as of 28th February 2023
Kuflink's £1m Tax-Free Interest Model
We would like to share the following model to show you how to earn over a £1m in Interest, Tax-free.
Our Accountants, Compliance and Tech teams were brainstorming in the boardroom and discovered a way to make over £1m net Tax-free interest using the Kuflink IF-ISA model*. Being Tax-Free, this boosts your returns by compounding the tax-free earnings that you can then watch grow exponentially over time. Kuflink's IF-ISA fits this model.
Consider the following to earn £1M TAX-FREE from Kuflink's 5 Year IF-ISA at 7%*. (The concept works on smaller amounts as the percentage return is the same).
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Investor relations Support
We pride ourselves on our friendly and efficient customer service.
Our Investor Relations team is available on live chat or telephone from 9am - 5.30pm, Monday to Friday.
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'Individual Saving Accounts' ('ISA's') where you can earn Interest TAX-FREE.