Relendex: Secured Peer-To-Peer Lending


Relendex is a peer-to-peer marketplace that brings together multiple lenders for loans secured on commercial and residential properties

With Relendex, You Lend Directly To The Borrower Through The Exchange, On A Secured Basis, And Receive The Lion's Share Of The Interest

The Benefits Of Lending With Relendex

Higher Rates

Returns for investors are up to 10 per cent per year, with interest paid quarterly.  As a peer-to-peer exchange, unlike banks, Relendex gives you the lion's share of the interest.

Secured On Property

All loans are secured against professionally valued commercial and residential properties.  These include retail, offices, industrial, leisure and some residential properties, including developments. Where appropriate, Relendex takes security over the rental income.

Access To Your Money

Your capital is usually invested for 6 months to 5 years with interest paid direct to your bank account or your SIPP or SSAS Bank Account each quarter.  It’s possible to access your capital early by reselling loan-parts to other lenders on a matched bargain basis through the Relendex marketplace.

Key Features Of Lending On Relendex

  • By dividing loans into many parts, you can take a stake in quality property loans with a small investment, never generally available before.
  • Your capital is usually invested for 6 months to 5 years with income paid quarterly by the borrower.
  • The minimum investment per deal is usually £500 - there is no maximum investment.
  • Capital protection is always a priority – Relendex’s experienced lending team only selects quality loans that meet its strict lending criteria.

Discover More About Relendex

Visit the Relendex website for full details.

SIPP And SSAS Lending On Relendex

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.

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  • 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.
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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  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.