High Interest Property-Backed Lending With LendSwift


Investing with LendSwift allows you to earn an attractive fixed return, fully secured against UK property.  A detailed investment brochure is available at the link below.

An Overview About LendSwift

LendSwift isn’t an online “crowdfunding” or “peer to peer” platform: instead, it’s a vehicle for the directors to loan their own funds alongside a small number of institutional clients and financially sophisticated private investors.

This means you don’t experience the loss of control of being just one of hundreds of investors in a deal – and LendSwift has no incentive to relax its strict underwriting standards to meet demand.

The LendSwift Story So Far

LendSwift was founded in 2016 by David Evans – a property investor and developer with over 30 years’ experience – and Rob Dix.  Rob is the author of the UK’s best-selling property investment books, and co-presenter of the hugely popular Property Podcast.

In its first two years, LendSwift has loaned out more than £3 million, with no defaults or late payments.  Because its directors put their own personal funds into every loan in a “first loss” position, they are strongly incentivised to maintain this record.

How LendSwift Works

LendSwift structures investments for maximum transparency and control – ensuring that you invest directly into specific hand-picked loans, without having your funds “pooled” or exposed to external risks:

  • You tell LendSwift how much you’d like to invest and what your criteria are.
  • LendSwift presents you with relevant loan opportunities.
  • For each opportunity, you see a summary of the project, the result of the RICS valuation, the outcome of the due diligence, and how much LendSwift's directors are investing.
  • You only transfer funds once you commit to an opportunity and the borrower is ready to draw down the loan.
  • You receive a fixed rate of monthly interest from the borrower, with no fees or deductions.

Discover More About LendSwift


Visit the LendSwift website for full details.

If you click the link above, you'll be able to download LendSwift's investor brochure directly from its website.

SIPP And SSAS Investing On LendSwift

To discover whether investing your SIPP or SSAS money in crowdfunding and peer-to-peer lending is appropriate for your circumstances, please complete all the fields of the form below.

  • Please tick all relevant boxes.
  • For example: Personal Pension with Legal & General; Final Salary Pension with British Telecom.
  • Typically, you'll need to have a fund value of at least £50,000 and better still, around £100,000 to cover the annual fees and to make it economic.
  • Please tick all relevant boxes.
  • I understand SIPPclub will not provide me with any personal financial advice, and that SIPPclub neither advises on nor recommends specific investments or strategies. I accept that SIPPclub's role is to enable me to make informed financial decisions through the provision of information, and where relevant, by referral to providers of products and services appropriate to my needs. I agree to being subscribed to SIPPclub’s weekly newsletters, and I understand I can unsubscribe from them at any time. I’ve read and agree to SIPPclub's Terms and Privacy policies shown in the footer of this web page.

Crowdfunding And Peer-To-Peer Risk Warning

When a platform has been assessed and approved by a SIPP or SSAS operator, this does not imply that any loan or investment opportunity is endorsed in any way. A SIPP or SSAS operator's due diligence review is limited to ensuring the processes and procedures of the platform are in line with both FCA and HMRC principles.  It's entirely your responsibility for carrying out your own due diligence on any loan or investment opportunity before agreeing to lend or invest your pension money on a platform. As a SIPP or SSAS operator will continually review platforms from a regulatory perspective, it's possible for a platform to become 'unapproved' if something changes.

With peer-to-peer lending, your capital is at risk if you lend to individuals and businesses.  You may lose some or all of the capital lent if the borrower defaults and is unable to meet its liabilities. Historic loan default rates are not necessarily indicative of future default rates.  In addition, lending is an illiquid investment, which means you may not be able to access the capital you lend for the duration of the loan period, even if the platform offers a secondary market.  Investing in any business involves risks, including illiquidity, lack of dividends, loss of investment and dilution, and it should be done only as part of a diversified portfolio. Crowdfunding is generally targeted at investors who are sufficiently sophisticated to understand the risks and make their own investment decisions, based on their knowledge, experience and financial capacity. Neither crowdfunding nor peer-to-peer lending is covered by the Financial Services Compensation Scheme. The tax treatment of your investment is dependent on your individual circumstances and may be subject to change in the future. If you are unsure about the suitability of crowdfunding investment or peer-to-peer lending, you should consult a suitably qualified independent financial adviser.


As SIPPclub neither advises on, nor arranges, nor recommends specific investments or strategies, we're unable to say whether a SIPP or SSAS or any investment within it is right for you. Ultimately, it’s your money and your decision, and you should only proceed once you're satisfied you've undertaken sufficient due diligence. If you need advice, you should speak to your trusted adviser, or you could find a local adviser from Unbiased.co.uk.  Alternatively, we'd be pleased to introduce to a suitably qualified independent financial adviser.

Please read our full Terms which includes criteria for SIPPclub membership.