WHAT WE DO

Relendex is primarily a marketplace for investors seeking a low risk environment that produces higher returns than banks, secured lending against commercial and residential properties in many cases producing income from tenants.
A NEW ASSET CLASS
We offer a new asset class that provides attractive returns to lenders. Our lenders, both private and institutional investors have direct access to UK professional real-estate lending.
AUCTION
We have developed our own auction engine to match a single borrower with multiple lenders. Lenders choose the loans that meet their lending criteria and then acquire loan parts.
CAPITAL PROTECTION
Our experienced lending team selects a small number of quality loan requirements that meet its strict lending criteria. Capital Protection is always our priority.
WHO ARE RELENDEX LENDERS?
Relendex may be suitable for anyone managing a small or large investment portfolio from professional fixed income investors like family offices, pension funds, insurance companies and private banks, to individuals' savings. Lender Accounts range from a few thousand to millions of pounds.
THE BENEFITS OF SECURED LENDING
The benefits of secured lending are good returns with reduced risk for lenders, improved terms and faster access to capital for borrowers.
CREATING LENDER GROUPS THROUGH OUR ON-LINE AUCTIONS
Loans are arranged between a borrower and a group of lenders for each loan via an auction in a live marketplace.
FIXED INTEREST RATES
Our lending is all at fixed rates of interest.
LOAN PERIODS
Our lending is all at fixed rates of interest for terms of between 6 months and 5 years.
OUR AUCTIONS
We have two types of Auctions: Set Rate Auctions and Dynamic Auctions

In Set Rate Auctions the interest rate is fixed before the auction starts and lenders bid the amount of the loan they want. When the loan is filled the auction closes.

In Dynamic Auctions lenders bid the amount of the loan they would like together with a desired interest rate. When the auction closes, the lowest interest rate bids that collectively fill the loan requirement are automatically selected and successful lenders get the interest rate which they have bid.

The Borrower is then offered a loan at the blended annual rate of the accepted bids.
NO CHARGES FOR LENDERS
There are no charges deducted from the successful bidder's Interest Rate. That means no membership fee, no annual charges and no fees for making individual bids. Lenders therefore get the interest rate they actually bid (assuming their bid is successful).
"SELECT YOUR OWN" INTEREST RATE
Lenders make all their own investment decisions and specify the interest rate they require (except for Set Rate auctions where the rate is pre-defined). The minimum bid is as low as £500 and the maximum bid is the whole loan amount.
WHAT ABOUT DEFAULTS?
Relendex Risk Ratings are a guide to the likelihood of default for any individual loan. Ratings range from A+ to C. An A+ rating indicates a very low risk of default. The provision of a risk band classification is intended to be indicative only and is not an absolute measure of risk.

See Managing Risk and Due Diligence sections for a fuller description of the risk evaluation and due diligence process that takes place before a loan auction is posted on the exchange and the monitoring process for live loans. There will be some defaults but our team will do all necessary to mitigate any loss. With a first mortgage over the property and a typical loan to value (LTV) of 60%, the value of the property would need to fall more than 40% before lenders lost any of their capital. Relendex takes appropriate advice to produce the best outcome for lenders.
SUMMARY
LENDERS GET
  • Access to a new asset class that usually produces fixed quarterly returns
  • Control of lending decisions in your hands
  • Decide the rate of interest and amount to lend (min £500)
  • Detailed information about the property and borrower to help select appropriate loans
  • Vetting, legal documentation, deal management and security
  • We minimise risk by careful vetting and taking security in every case
  • Lenders can manage risk by lending to many borrowers across many different loans
  • No membership fees and no commitment to make loans
BORROWERS GET
  • A highly experienced lending team to talk to
  • Online application for rapid feedback on your loan proposition
  • A responsive and flexible service
  • Competitive terms and the benefit of low interest rates from live auctions bidding
  • Often a higher level of borrowing than many lenders offer
  • Fixed interest rate loans
  • We offer ‘interest only’ loans if the risk profile will allow
  • Unlike banks we cannot be ‘overweight’ as to tenant, geography or sector

Important Notice

 

Relendex Limited is regulated in the United Kingdom by the Financial Conduct Authority and entered on the Financial Services Register - FRN 723117.

 

Lenders participating in these arrangements should be clearly aware that any sum lent through the Exchange is a loan and not a deposit and its repayment is not guaranteed. It is in the nature of an investment opportunity. Any investor should consider an appropriate spread of risk. Non-institutional investors should seek professional advice before lending through the Relendex Exchange.
View Notice in full

 

Relendex Limited is registered in England, Company Number 07486328 Registered Office: Ground Floor, 45 Pall Mall, St James’s London, SW1Y 5JG

 

Relendex Limited is registered under the Data Protection Act, Registration Number PZ2708231

 

 


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