Lendy review

Adding the letter “Y”, to the much hyped word “LEND”, was an innovative and trendy marketing innovation when two young entrepreneurs decided to take the might of the United Kingdom’s banking industry and offer a more attractive investment portfolio for all those investors big and small, an initiative which brought richer dividends than the run of the mill investment savings accounts, into which everyone puts their hard earned money into.

The birth of Lendy the Property Platform brought a new dimension to the stalemate property market in the United Kingdom where the banking industry was fighting shy of lending money on a fast shrinking property market where their returns were not as attractive as laying their hands on more lucrative investments with the richer and more stabilized corporate borrowers.


Lendy the Property Platform, whilst throwing caution to the winds, to securely protect investors under their wings, are also prudent to extend opportunities for property developers and investors, who would otherwise have to run from pillar to post, to procure the funding that they would require to proceed with their entrepreneurial ideas.

 Lendy review : What is Lendy?

Lendy the Property Platform saw the light of day in the year 2012, when Liam Brooke, a commercial property banker with swirling ideas in his entrepreneurial brains met up with an Information Technology and Engineering specialist with an e-commerce Masters, Tim Gordon.


The pair had sufficient experience and knowledge to bring out the innovative idea of funding in Marine investments which was their first forage into the commercial lending industry.


Finding that the Marine industry gave them only limited scope they divested their investments in it and moved over to the snail paced property industry, where they found that the opportunities are infinite and their ability to offer all those investors big and small, who are keeping their monies in low return cash investment banking accounts, which are only making the banking institutions reap high returns, whilst doling out crumbs to those who are really funding their business.


Lendy the Property Platform whilst offering attractive terms without the major hassles that are often associated with other established financial institutions, when property developers and investors seek their assistance also offer very attractive returns of up to 12% per annum to those who invest their hard earned money in these very secure investments.


Security is guaranteed as only a maximum of 70% of value to loan is offered to the developer or investor and that too after a very stringent evaluation process by an independent assessor to ensure that the scales on both sides are well balanced and all investments are secured.


Lendy review : How does Lendy work?


It is the simplicity in Lendy the Property Platform that makes it attractive to property developers and investors who would otherwise have to tear their hair out trying to procure funding for their real estate projects.


On the other hand investors big and small have the satisfaction that their monies earn them more dividends than if it was lying in all those traditional financial institutions who have been taking, especially the smaller investors on a piggy back ride all these years, without much coming their way, other than the crumbs at the end of the day.



Lendy the Property Platform would provide up to 70% of value to loan from the investments that is secured from the marketplace but only after stringent evaluation of the project. The fall back strategy if a borrower defaults or is unable to recoup the provided funds from the project, would be by disposing off the property that is mortgaged towards the provided investment and recovering all monies extended to the project which would be paid back to the investors.


Any investment anywhere would have its inherent risks but with Lendy the Property Platform we strive to ensure that monies paid by our investors are well secured with the right legal instruments in place.


In any case investors are strongly advised by Lendy the Property Platform to obtain detailed information as to the safeguards that they would need to be in place prior to investing on our platform.


Lendy review : What are the Advantages of Investing in Lendy?


The most prominent and advantages aspect of investing with Lendy the Property Platform would be the return on investment or ROI, which is a guaranteed 12% per annum and this has been the icing on the cake for everyone who has invested with us so far.


Whilst cash deposited investment savings accounts would pay a meager average of 0.74% per annum Lendy the Property Platform offers an unprecedented 12% per annum and that too with water tight security of immovable property which as we know would only appreciate and not depreciate in even today’s volatile marketplace.


The other appreciable advantage would be the quantum of investment offered by Lendy the Property Platform, which is affordable by anyone, who would be contemplating of investing in the very attractive property market. That is beginning with an investment as minimum as Sterling Pounds 100, an amount which one would not have the opportunity to invest in, if an investor was to speculate in the property business.


Investors with Lendy the Property Platform have also the additional buffer against a deal going sour with a developer where if the sale proceeds from the property do not meet the due amount towards investor’s capital the Provision Fund where contributions from loans are set aside would step into bail out the investors.


The Provision Fund is closely monitored and maintained at a healthy 2% of loan portfolio and these monies are set aside prudently to be utilized only for the specific purpose of enhancing the shortfall from sale proceeds of properties that have to be disposed off to pay the investors when the amount falls short of the expected repayment quantum.

Lendy review : When Did Lendy Launch?

It start on January 2013

Lendy review : How Do I Sign Up?

Click Here.

Lendy review : Who Can Open An Account?

Any person 18 years or older who can pass the verification checks, include U.S. citizens .

Lendy review :  regulated

By UK Government’s Financial Conduct Authority under Interim Permission

What’s The Minimum Deposit / Investment?

Deposit: Only a Minimum of £100 via bank transfer for your first deposit is necessary

 Lendy Review: Selectivity


Many checks and balances are in place to ensure that all investments and lending are kept above board and are transparent in execution with no stone left unturned to ensure they are within all legal parameters.


Borrowers are screened thoroughly and projects submitted by them are evaluated professionally to ensure that the amount lent is in line with the market value of the property and the project itself.


No chances are taken under any circumstances as we at Lendy the Property Platform are aware that our finances for lending comes from the hard earned monies of our investors big and small.


Anti Money Laundering or AML checks are frequently instituted to ensure that no criminality is associated with our bona fide operations and our integrity and that of our investors are upheld and maintained at all times.


However attractive a project may be the maximum lending would be 70% of the total property and project value which is adhered to strictly so that no corners are cut if anything turns sour at the end.



It is this prudent selectivity that has ensured Lendy the Property Platform to boast of a meager 13% of non-performing

loan portfolios which under the context of today’s market capitalization could be considered commendable.


 Lendy Review: Special Offers


There are special offers that investors could avail of from Lendy the Property Platform from time to time which should be considered as a marketing strategy, like anything else offered by any other company and is not an inducement to any investor who would be hesitant in placing their trust in what is offered at the time.


Presently an investment of Sterling Pounds 1,000 or part thereof placed for a minimum period of three months would earn a bonus of Sterling Pounds 50 each.


This is a return no other financial institution could offer but we could, as we have a very prudent financial management discipline which ensures that our investors and borrowers are all protected under a very stringent umbrella of security.


Hence from time to time we do offer very attractive financial gains when we strike it rich with our projects whilst guaranteeing a minimum return on investment of 12% for all our investors.


Celebrating its fifth birthday Lendy the Property Platform is offering Sterling Pounds 5,000 to one lucky investor who has invested a minimum of Sterling Pounds 5,000 for a minimum period of three months.


It is suggested that investors keep a close on the progress of our business and decide when they too would like the bandwagon and reap the benefits that we have to offer but it would be prudent on their part to ensure that past records do not necessarily mean a brighter future hence delving deeply before they commit themselves would be our advice to them.


 Lendy Review: Volume


Since our inception and foray into the United Kingdom property industry we have been growing in leaps and bounds and have been the envy of other investor propelled institutions.


We have been very careful in evaluating the properties where we would put in our investments and like that old proverbial saying would never “put all our eggs in one basket” which means that we are in the property business but would always endeavor to diversify our holdings in different areas of this very complex business.


We look for properties that have a higher appreciating value and which would be safe for our borrowers and investors alike and this has been our forte for being in the business and growing from strength to strength during the last half decade we have earned the trust of our small and big investors.


We are proud to announce that we have 17,851 users who have partnered with us and who have come aboard to strengthen our resolve and funding capacity and we have invested Sterling Pounds 337,976,122 whilst earning Sterling Pounds 30,835,817 as interest and also paying attractive dividends to our loyal investors who have stood with us from our inception.


Our growth has been phenomenal and have set our sights high on the property market in this country where developers have always been struggling to get the right funding to get their projects off the ground and with equity coming their way from our effective P2P or Person to Person funding the sky could be the limit for all stakeholders going into the future.


Lendy Review: Rates and Durations



Funding is provided for bridging and property development services which are specifically directed on the instituted projects with a loan to value of 70% providing sufficient funding for the developer whilst safeguarding the investments of the investors.

Investors could choose the projects that they envisage are within their purview and provide to join in the project by contributing towards it financially, which provides them the impetus to follow the progress of their investment too.


Rates to developers could vary depending on individual projects and the durations too could be discussed and limits drawn but are generally limited to 24 months according to the type of the project and the turn round period for all concerned to recoup their investments.


Attractive rates are offered to property developers to enable them to complete the projects in time and also to ensure that they remain in business which is what everyone concerned would desire.


On the alternative Lendy the Property Platform envisages a substantial return which would enable us to ensure that our investors small and big are paid the 12% return on their investments too at the end.


It is hence a three pronged strategy which needs to be well administered to ensure that everyone on all sides of the equation are safeguarded and also enjoy a good return on investment or ROI.


Lendy the Property Platform would always strive to ensure that it is success that we would bring to all our stakeholders and that is what we have been doing during the last half a decade or so, successfully.


Lendy Review: Sponsorship


A new title sponsor was incorporated into Lendy the Property Platform which was a tremendous success and was effective between July29th this year to August 5th.


Similar sponsorships are planned by the company to ensure that our services are spread far and wide and many more investors and borrowers partner us to ensure that we keep the United Kingdom property market on a roll giving all stakeholders a small piece of this lucrative pie.


The last five years have been only a steep growth and looking at the graph that we have tabulated our growth has been phenomenal with our lending and investors portfolios both increasing substantially and it shows the prudency with which we have conducted ourselves these few years.

When you invest £1,000 or more,you’ll get a £50 new investor bonus with this link.





Lendy Review: How to Credit your Account and Minimum Investment Amount


Joining the bandwagon and reaping the benefits, investors big and small have so far enjoyed is a very simple process but only once you are completely convinced about the bona fides of Lendy the Property Platform.


Investors are cautioned that any type of investment is risky and to be well aware that what they are investing in is what they would proactively join rather than be coerced into something that they would not willingly indulge in.


Once the decision is made to partner with us the process is very simple and investors could join in with whatever investment that they desire as there is no minimum or maximum ceilings placed on such amounts.


Setting up your account with Lendy the Property Platform is easy as it gets and can be completed in a few easy steps employing your online banking facility.


The process is made simple so that investors can join in and then keep a close watch on what they have invested because they have the choice of partnering with existing projects or wait for what they would envisage to be closer to their hearts and then invest in those.



Once you have invested you could either hold it back till the end of the selected project or sell the whole or part thereof from the investment on the online Lendy the Property Platform website for others who would be interested in acquiring such investments.


Overall the complete process whilst being transparent is also attractive to lenders and borrowers alike and with Lendy the Property Platform monitoring and supervising the totality of the enterprise with our extensive experience investors are well protected as we extend only a maximum 70% on value to loan for any developer’s project.


 Lendy Review: Repayment


All borrowings have to be repaid with the agreed interest as in the case of any borrowings anywhere around the world and it is this simple equation that ensures the existence of this business in the first place.


Property developers borrow for specific reasons and that is for development of the property that they would submit their proposal for and once the evaluation and technical committee of Lendy the Property Platform is fully satisfied beyond ant reasonable doubt that the project is feasible and profitable to all stakeholders it would be offered on our website.


Prospective investors could partner with the project and the borrower is provided a limited time period to repay the borrowed capital inclusive of interest calculated for the period under review.


The repayment period is normally limited to two years giving the borrower ample time to complete the project and return his borrowings to Lendy the Property Platform.


The disbursement of the loan is carefully monitored by Lendy the Property Platform to ensure that monies released are diverted to the project and nowhere else because if there would be a default on the part of the borrower the monies so paid would have enhanced the value of the property.


This process keeps very stringent checks and balances on the investments as they are considered P2P or Person to Person hence it is the investor’s monies that Lendy the Property Platform are managing and have to be very prudent on how they do so.


Lendy Review: Cost of the Services


In every business there are inherent costs that have to be met to service that endeavor and it is the same with what Lendy the property Platform has to do too.


Keeping overheads to the bare minimum has been one of our main assets and with staff recruited to meet the growth of the company there has been no major drain on our resources.


Keeping overheads to the minimum possible has given us the impetus to service our investors on a very transparent and healthy return on investment keeping our portfolio of investors on a growth trend rather than on a declining trend.


This has been the key to our success over the years and prudent management skills from the top to the bottom on our management team have been the most evident character that stands out well.


Lendy the Property Platform has left no stone unturned to ensure prudent management of our business and have been very careful how we extend our finances to projects and our experience in picking the bad apples out has been the key to our success.


 Lendy Review: Condition for Lenders



Unlike traditional banking institutions we look at every project proposal that come our way with a very wide perspective enabling us to pick out the best return on investments or ROI for our investors.


Investors themselves have the option without any pressure of the sword of Damocles hanging above their heads to decide where they would like to invest and if they have any doubt refrain from doing so.


Every project would be unique in the sense that they are specific to the investment and if the investors don’t like it they would not invest and it is after all the monies of the investors that are paid for the project.


This uniqueness gives every project and it’s developer the impetus to ensure that they complete the project on time and acquire their desired returns and pay back the loan extended by Lendy the Property Platform and at the end of the day keep everyone happy to step into another project and so on and so forth.


It is this strict adherence to stringent values and good management skills that has propelled Lendy the Property Platform a nascent property investment enterprise to such dizzying heights in such a short period of time leaving other more traditional financial institutions lagging behind in growth.


 Lendy Review: Risk


Risk! There is no doubt, like any other business for that matter. It should be understood by prospective investors that Lendy the Property Platform does not come under the umbrella of the Financial Services Compensation Scheme or FSCS hence investors need to be prudent before they decide to invest with us.


That said, all investments anywhere are risky and the intuition to invest would depend solely on the individual who would decide to invest.


The five years that we have been in business have been crowned with success all the way but that would not be criteria to assess future performances.


Investors would need to read our risk disclaimer prior to deciding on coming onboard with their investments and that is the prerogative they have and needs to be prudently thought out prior to partnering with us.


Our loan portfolio and investors list have been growing appreciably over the years and this has been mainly due to how we have managed our capital which are drawn from more than 17,851 users spread all over the United Kingdom and elsewhere.

Lendy ha

Lendy Review: Insurances and Warranties


Every susceptible step in the process of lending and investments are subject to stringent insurance coverage to ensure that borrowers, investors and Lendy the Property Platform are adequately compensated if the unforeseen happens.


We would not know what is in store from many quarters though we would endeavor to keep the best management skills in place. Natural disasters are common and are aspects that we cannot ignore especially when substantial investments are at stake.


From the inception projects all projects come under a comprehensive insurance coverage which even extends to the professionalism of the qualified Chartered Surveyor who would be entrusted with the valuation etc for the project.


The professional indemnity insurance that is obtained would ensure that every step of the project is adequately covered leaving no room for any adverse issues to crop up during the execution of the project.


The experience that Lendy the Property Platform has gained over the years we have been in business has held us in good stead to ensure that we protect everyone who has placed their trust on us.



Warranties are also extended where necessary and required where developers have to offer them when they need to dispose off their investments after completion of their projects. These would depend solely on the requirement of the project under review.


Lendy Review: Return


When investments are initiated every investor would be particularly interested in the returns that he would enjoy on that investment. It is a universal fact the higher the risk, better the returns and vice versa.


Whilst traditional investment institutions like banks offer meager 0.74% annual returns on investment savings accounts by keeping investors money under their purview, Lendy the Property Platform would be offering an attractive and unprecedented 12% return on investment per annum.


The two investments are like chalk and cheese if you are to compare them but with banks covered by the stringent laws prevailing in the United Kingdom investment institutions like Lendy the Property Platform may not be governed by such laws.


Hence the notion that these investments are susceptible to adverse market forces and could buckle down when the going gets tough in the volatile financial marketplace but is it always true is the most important question.


There have been banks with very large financial portfolios crashing like nine pins in the recent past the world over not only in the United Kingdom which was quite alarming to say the least.


There are many investment institutions similar to Lendy the Property Platform who have survived and succeeded in the financial marketplace hence it is all about prudent management skills that would determine the success or failure of any such organization.


Lendy Review: The Interface


Investments are fully and totally secured with the best online interface in place which provides investors the added impetus to move their investments between different projects within the Lendy the Property Platform online system.


We use one of the most sophisticated online systems which is also very simple to use allowing investors easy access in and out which also enables them to monitor their investments and keep a track of how they are behaving as and when they need to.


The use of modern technology in business is imperative if any organization aspires to be the leader in their line of business and that is what Lendy the Property Platform envisages even going into the future.


Competition in the financial markets are being spat and polished with just a razor thin difference between the different players hence if one aspires to be on top they would need to have all their horses on the right leash to ensure success at the winning post.


 Lendy Review: Conclusion


In conclusion it should be said that investing money which has been hard earned is the prerogative of the investor and doing so prudently is what is needed in today’s volatile financial marketplace.


Even the most secure investment could go bust and hence risks are high if anyone is to analyze the trends set over the past years around the world.


Investors  are bound by information they could assimilate, coliate and more than everything else what their gut feeling would say about a prospective investment is what matters most.


Those who have invested  and made their returns have been those who have not threw  caution ta the winds but taken their gut feeling on what they have stepped into and come out trumps from their experiences.


It is the investors cal at all times whatever the world around would say bence prudently analyzing and making

investments is the arder of the day wherever you may be.

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