Risk Management


Please be aware that peer-to-peer lending is not covered by the Financial Services Compensation Scheme (FSCS).
Funds lent through the Relendex platform are loans and not deposits.
That means your capital is at risk.
How we manage risk

Security
All Loans are legally secured on UK property, additional security is taken as needed
Regulated by FCA
Detailed risk management protocols have been agreed with the Regulator
Loan-to-Value
The maximum amount we lend is 70% of the independent professional valuation (65% on our Secured Portfolio)
Due diligence
Our professional underwriters investigate each loan on behalf of our lenders
How we manage risk

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Security
All Loans are legally secured on UK property, additional security is taken as needed
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Regulated by FCA
Detailed risk management protocols have been agreed with the Regulator
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Loan-to-Value (LTV)
The maximum amount we lend is 70% of the independent professional valuation (65% on our Secured Portfolio).
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Due diligence
Our professional underwriters investigate each loan on behalf of our lenders
How you can manage risks

Diversification
It is important to diversify your funds across multiple Loans. This reduces your exposure to the risk of a single investment.
Informed decisions
Be aware of what loans you are participating in. We provide lenders with key documents (full valuation report, term sheet etc.) to review in our Virtual Data Room.
Questions?

You can find more information in our FAQ
Is Relendex regulated?
Yes, Relendex Limited is fully-authorised and regulated by the Financial Conduct Authority and entered on the Financial Services Register - FRN 723117 for Peer to Peer lenders. Relendex also has ISA Manager status granted by HMRC, which enables it to offer UK taxpayers an Innovative Finance ISA.
What information is provided about each loan?
Detailed information is provided on every loan. Particulars include: the property name, risk rating, loan amount, term, Loan to Value ratio, average interest rate, and other salient details.
How does the security work?
The Security Trustees take security on behalf of the Lender group. This could be a First Charge (mortgage) for senior loans, or a Second Charge in the case of mezzanine loans, over the property asset.
Relendex Limited is registered in England, Company Number 07486328
Registered Office: 45 Pall Mall, St James's, London. SW1Y 5JG

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.

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