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About


We specialise in providing bridging & development finance to property professionals, with funding provided by our established peer to peer crowd funded investment platform.

The Lendy platform allows our investors to pool together their funds in order to finance development projects and property purchases. We ensure this process is fast, simple and secure, and delivers a gross annual return of up to 12%, before tax, with all proposals fully assessed by our experienced credit committee before being made available for investment.

Lending is always secured with a legal charge and our loan amounts do not exceed 70 per cent of the Open Market Value, as confirmed by an independent Chartered Surveyor. This means that in the event of a default there is sufficient equity to allow loan funds to be recouped during a sale.

The platform has grown dramatically and now employs 25 people and has over 14,500 registered users. Between them, they have invested over £275m, and earned a total of £20m in interest on loans to help build, buy and restore thousands of properties across the length and breadth of the UK.

Our USP for borrowers is our business model, which allows us considerably more flexibility than standard banks and bridging lenders, enabling us to make quick decisions and deliver funds very quickly.

Lendy was launched in 2012 by two young entrepreneurs who believed that property investing and borrowing should be easier, and more accessible and rewarding.

Key points


It's quick

Signing up is a very quick and simple process. You can fund your account immediately and start earning 12%pa on your funds within minutes of your first click.

 

It's simple

There are no confusing statistics to continually monitor. Simply sign up, fund your account, choose a loan and click you're done. You are now earning 12%pa on those funds.

 

It's secure

All loans are secured against assets that we have in our possession. If a borrower defaults we sell the asset. We never loan more than 50% of the value of the asset (70% for property).

How do they charge?


Saving Stream does not charge investors any fees or commission on the interest you earn. You keep 100% of the interest. Lendy Ltd does charge fees to borrowers when they take the loan.

Business Loans


Saving Stream is an investment platform that offers investors fixed rates of 12% pa. We are able to offer these great rates by allowing investors to fully or partially finance existing loans. These loans are usually already in place and secured against either assets that we hold in our possession or against property that we secure with a legal first or second charge.

Saving Stream has a portfolio of £21,736,307 of loans that we have made to borrowers. These loans are all secured against assets that we hold in our possession as security or against property that we have a legal first or second charge over. Saving Stream allows investors to fund segments of these existing loans for a fixed rate of return of 12% per annum. Saving Stream is a trading name of Lendy Ltd. Lendy Ltd is authorised & regulated by the FCA.


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  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

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