Secured Loans

HNW Lending arranges secured loans for individuals and businesses which are secured by an asset. This means that if the borrower is unable to repay the loan, HNW Lending, as agent for the lender, can sell the asset in order to repay the loan

No losses to date and HNW Directors co-invest

To date, HNW Lending Ltd has not lost any capital or interest payments, despite a number of loans being in default. Of course, this does not mean that your future interest payments or capital are guaranteed, but we believe that our experience, loan-to-value ratios and the types of asset we take as collateral allow us to carefully select loans and reduce your risk of losing capital. To back this up, the Directors of HNW Lending offer to put their own money into loans in a first loss position - in other words the HNW Directors would lose money before investors do. In addition, most of the loan parts available on the secondary market are from positions held by Directors (other than their first loss tranches which they cannot sell)

Lenders choose which loans they wish to participate in

The lenders on our loans are individuals, companies and pension funds who wish to lend money and earn a good rate of interest. Lenders are lending on an individual loan basis and not in a 'fund'. Although some loans are taken by a single lender, many of our loans are shared between a number of lenders. A lender would normally commit at least £10,000 to each loan in which they choose to participate

Automated online process

Lenders who sign up, for free, for a login will be able to see the loans available, as well as the documentation supporting those loans - such as the valuation documents. Should a lender wish to lend money against a particular loan, the lender can choose to do this through HNW Lending's secure login area or by contacting our offices. Lenders are under no obligation to lend against any loans if they do not wish to do so

Report on Title prepared for lenders by solicitors

For real estate (property), HNW Lending will arrange for a solicitor to produce a Report on Title and also ensure that a charge over the property is registered at the Land Registry. For all loans, HNW Lending also obtains a confirmation from a solicitor that:
a) there are no material items that should have been notified to the valuer that might affect the value of the asset being taken as security for the loan
b) the loan documentation is 'fit for purpose' such that the interest and the loan repayment can be collected
c) the lender and borrower are complying with all applicable laws and regulations

Third party valuations

HNW Lending will normally arrange for a third party valuation to be provided, on which the lender can rely - this means that if the asset were to sell for well below the value in that third party valuation, then HNW Lending should be able to pursue a claim of negligence against the valuer and thus recover sufficient proceeds to repay the loan

Pension fund investors

HNW Lending allows lenders to use pension fund money (including SIPPs and SASSs) to fund loans - for more information, please click here

ISA investors

HNW Lending allows lenders to use ISA money to fund loans - for more information, please click here

If you are interested in becoming a lender, please either:

1) Sign up to our Online secure platform
2) E-mail: ben@hnwlending.co.uk
3) Call Ben on 07958 636 106