Mintos review

Mintos review: What is Mintos?

The word ‘mintos’ comes from mint. In Old English, it is a word meaning:

  • a place where coins are made from metal;
  • an abundant amount of something, especially of money;
  • a place or source of manufacture or invention;
  • producing something for the first time.

Thus, our name – Mintos – reflects our mission to facilitate free and efficient movement of capital through technology.

Mintos review: How does Mintos work?


We provide retail investors with an easy and transparent way to invest in loans originated by a variety of alternative lending companies around the world.

Our mission is to facilitate free and efficient movement of capital.

Since launching in 2015, Mintos has demonstrated exponential growth and has become the world’s largest marketplace of its kind.


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


The most prominent and advantages aspect of investing with Mintos would be the return on investment or ROI, which is a guaranteed 11%. per annum and this has been the icing on the cake for everyone who has invested with us so far.

What more you need, earn great returns and gain access to unparalleled diversification possibilities within a single marketplace, across different borrowers, loan types, loan originators, and regions. We take investor protection seriously. There is no service fee; you can invest in multiple currencies and start small.


Mintos review : When Did Mintos Launch?


It start in the year 2015


Mintos review : How Do I Sign Up?




Mintosreview: Who Can Open An Account?


Both individuals and entities can invest through Mintos. Individual investors must be at least 18 years old, have a bank account in the European Union or third countries currently considered to have AML/CFT systems equivalent to the EU, and have their identity successfully verified by Mintos.

Family trusts, partnerships, limited liability companies and other organizations must have a bank account and be registered in the EU or third countries currently considered to have AML/CFT systems equivalent to the EU.

At the moment, US citizens or taxpayers cannot register as investors at Mintos.

Mintosreview:  regulated

By UK Government’s Financial Conduct Authority under Interim Permission


What’s The Minimum Deposit / Investment?


The minimum investment in any single loan on the primary market is EUR 10, DKK 80, GEL 25, PLN 50, GBP 10, SEK 100, RON 50, RUB 700  or CZK 300. There is no minimum for investments in the secondary market.


Mintos 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 mintos are aware that our finances for lending comes from the hard earned monies of our investors big and small.

Though, with any investment, there are some risks. The biggest risk is associated with possible credit losses from investments. The following measures have been taken by Mintos and loan originators to mitigate the risk:

1) All loans are issued according to the established policies of the loan originators, which take into account the borrower’s ability to repay the loan.

2) For certain types of loans (e.g. mortgage loans or vehicle loans), the client has offered collateral to be used to recover the loan in the case of default, thereby lowering credit loss risk.

3) For certain loans (e.g. business loans), other credit enhancements are obtained, such as a personal guarantee.

4) For certain loans, the loan originator has provided a buyback guarantee, which means that if the loan is delayed by more than 60 days, the loan originator repurchases the investment for the nominal value of the principal and the accrued interest till the date of repurchase.

Investors can mitigate risks by diversifying – making fractional investments in several loans across different borrowers, loan types, loan originators, and geographies.


 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.

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.


Mention Review: Volume


Since our inception and foray into the United Kingdom,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 have55119 users who have partnered with us. Our growth has been phenomenal and have set our sights high on the investement 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.


Mintos Review: Rates and Duration


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 Mintos the loan platform envisages a substantial return which would enable us to ensure that our investors small and big are paid the 11% 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.

Mintos is a peer-to-peer lending marketplace, 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.


Mintos Review: Sponsorship


A new title sponsor was incorporated into Mintos is a peer-to-peer lending marketplace, which was a tremendous success.

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 lending 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.


Mintos 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 Mintos is a peer-to-peer lending marketplace.

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 Mintos lending 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 Mintos lending 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 Mintos lending 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.


 Mintos Review: Repayment


The repayment period is normally limited to two years giving the borrower ample time to complete the project and return his borrowings to Mintos lending marketplace .

The disbursement of the loan is carefully monitored by Mintos lending 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 Mintos lending 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.

Mintos is a peer-to-peer lending 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.


 Mintos 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 Mintos lending 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.


 Mintos Review: Risk


Risk! There is no doubt, like any other business for that matter. It should be understood by prospective investors that Mintos  lending 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 55155users spread all over the United Kingdom and elsewhere.

Mintos ha!!!


Mintos 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 Mintos the lending 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 Mintos Lending 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.


Mintos 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, Mintos lending platform would be offering an attractive and unprecedented 11% 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 Mintos the landing 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 lending institutions similar to Mintos investment lending 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.


Mintos 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 Mintos   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 Mintos lending 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.


 Mintos 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 analyse the trends set over the past years around the world.

Investors are bound by information they could assimilate, collate 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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