Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

Property finance from 9% per year

PC with online form icon

Apply online

Property loan review icon

We review with our
lending partners

Tick icon for approval of loan

We offer a decision in
principle within 3 days

Our Loan Criteria

bridging loans


property development lending


businesses in the UK


75% maximum loan to value

3 to 24-month term

Interest rate from 9% per year

Monthly or retained interest payments

Typical arrangement fee of 1%

How it works

Graph showing timeline for Loanpad loan applications from application to acceptance

These timings may vary.

Our approach to lending

Our loans are shared between investors on our platform and lending partners. (More about how we share loans.) We review all loan applications with our lending partners – and we take a pragmatic approach to lending, focusing on three main areas.


To make sure the loan is suitable, we make ID and credit checks and look at your borrowing history. We may also ask for your CV and asset and liability statement, depending on the type of loan you’ve requested.

A users sitting with PC using loanpad


We secure all loans with a first charge, giving us rights over agreed property assets (security) to recover our funds if you default on the loan. We use our own surveyors and lawyers to check the value and validity of the security you offer. You’ll be responsible for related costs, which we’ll let you know about in advance.

House with a mortgage sign


It’s critical that each loan is repaid within the agreed timeframe. So we’ll ask for details of how you’ll do this and look into whether your proposal is realistic. As your circumstances can change, we also make sure we have an appropriate recovery plan in case of default.

two hands with displaying a loan repayment