Historic returns

as of July 2018

Please note that future returns may not follow past returns

2012 2013 2014 2015 2016 2017 2018
Capital Loss 0 0 0 0 0 0 0
Average monthly interest earned by investors 1% 1% 1% 1% 1% 1% 0.9%
Average annualised interest earned by investors 12% 12% 12% 12% 12% 12% 10.8%
Averages

as of July 2018

Average loan size

£212,000

Average yearly return

11.8%

Average loan term

9 months

Average time until overdue loans are repaid

3 months

Average loan to value

59.2%

Lending statistics

as of July 2018

Loans to companies

8%

Loans to individuals

92%

1st Charge loans

38%

2nd Charges

62%

3rd Charges

0%

Percentage of the loans invested by family funds 93%

Average time to sell a loan on the secondary market
1 hour 35 minutes

Arrears and defaults

as of July 2018

Percentage of loans that... 2015 2016 2017 2018
Repay on or before the loan term 72% 74.5% 76.2% 75.1%
Require / offered an extension 26% 24% 28% 25%
Security repossessed and sold by receivers 0% 0% 0.7% 0.9%
Percentage of interest that is returned during default period 100% 100% 100% 100%
Percentage of loans where full capital and all interest is returned 100% 100% 100% 100%

The BridgeCrowd makes loans secured over property. As a lender you will be providing an unsecured Loan to Us but We undertake to apply that Loan to a Secured loan for the purposes set out in the Potential Investment particulars and We undertake to hold the Security and any money received from a borrower on trust for you as beneficiaries (pursuant to the terms of the Trust) and on which You have placed a Bid. Our Loan to the Borrower will be on a secured basis as set out in the terms of these Global Lender Provisions. At all times your assets (money and security) will be held on Trust for you and is are ring-fenced and segregated from the assets of the BridgeCrowd. Whilst the underlying loans that the BridgeCrowd make are secured against property (Security) which is held directly on Trust for you as beneficiaries, the value of the Security can go up as well as down. The Risk is that the value of the Security may diminish for a number of reasons; for example the property may may decrease or the valuation provided by a surveyor is not accurate (this list is not exhaustive). If the value of the Security reduces then you may be at Risk of losing some or all of your loan capital and or interest. The BridgeCrowd is regulated by the FCA and we make regulated and unregulated loans. However, as a lender, the loans that you make are not regulated and they are not covered by the Financial Services Compensation Scheme. Your loan capital is at Risk and past performance of the BridgeCrowd and the Property Market is not a reliable indicator of future performance. If you are unsure about the Risks involved in lending please seek financial advice, review our FAQ’s and request more information from us before lending. At all times your assets (money and security) are held on Trust for you and are ring-fenced and segregated from the assets of the BridgeCrowd.