最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯

英国在线金融平台LendInvest推出新零售债券

近日,英国不动产金融在线平台LendInvest宣布发行新零售债券,固定利率5.25%,期限至2022年。LendInvest将继续提供其他三种投资渠道,包括个人投资预付贷款及LendInvest资本基金。

LendInvest旨在为专业房地产投资人和开发商创造更加透明、高效、灵活的借款体验。专业过渡性融资借款人往往需要争取产品周转时间,LendInvest认为自己能够满足这种借款人的需求。同时LendInvest也认为它能够填补英国抵押贷款市场的融资缺口。从2008年开始运营到2017年3月31日,LendInvest出借的贷款本金总额为8.1134亿英镑(除去延期部分)。

新债券最低初始认购金额为2000英镑,其后以100英镑的倍数增加。购买期从2017年7月19日开始,预计到2017年8月4日中午12点(格林威治时间)结束。与发行人、LendInvest协商后,牵头经办人有权提前结束购买。零售债券每年固定零率为5.25%,利息每半年支付一次。债券有效期限内,投资者均可在公开市场出售。

LendInvest称其债券有望登上英国上市管理局的官方牌价,在伦敦证券交易所监管市场进行交易,也可通过零售债券的电子订单交易。

LendInvest称自2008年来向个人、机构投资贷款总额近10亿英镑。这些资金让借款人在英国超过120个城镇购买、建造或维护了超过2700处房产。

LendInvest称新零售债券面向零售投资人开售,用于资助符合公司要求的购房贷款。

LendInvest Limited联合创始人及首席执行官Christian Faes这样说:

“现在利率已经达到历史新低,银行放贷受碍,而LendInvest执行速度快,效率高,为借款人提供独特而富有吸引力的解决方案,为投资人提供广受欢迎、回报丰厚的投资项目。我们正继续扩大经营规模,逐步探寻更多的投资模式,提升我们向服务不足的借贷人贷款的能力;同时也在创造全新的切入点,推出富有吸引力的投资组合,适应更大范围的投资者需求,回报既有竞争但又符合风险承受力。此次债券推出让我们实现了目的,也支持了我们未来的发展目标。”

LendInvest Capital总经理Rod Lockhart认为如今住宅需求供不应求,此次零售债券正是在临界点应运而生。

“传统放贷人缩减短期或小额不动产贷款,导致专业不动产投资人资金短缺,但这也是像LendInvest一样、富有竞争力的替代放贷者的机遇。我们希望通过我们的测试模式及优秀追踪记录,支持更多专业借款人;零售债券提供了全新的资金来源,让我们能够实现目标。”

LendInvest作为P2P借贷平台成立,目标市场为商业不动产领域。自成立以来,平台增加了更多的项目和服务。LendInvest也是英国少数几个盈利的在线借贷平台之一。

点击查看未央网专题文章:《Lendinvest: 专注于房产抵押贷款的网贷平台

更多英国金融科技企业参访实录见:未央英国金融科技之旅

LendInvest, a UK based online property finance marketplace, has recently announced the launch of a new Retail Bond, with a fixed interest rate of 5.25% due in 2022. LendInvest will continue to provide three other investment channels including their online investment marketplace for individuals to invest in prefunded loans as well as LendInvest Capital Funds.

LendInvest aims to create a cleaner, quicker and more flexible borrower experience for professional property investors and developers. LendInvest believes it is able to match the demands of professional bridging finance borrowers, who frequently require rapid turnaround times with their products. LendInvest believes it has filled a funding gap in the UK’s mortgage market. As at 31 March 2017, the total principal amount of loans provided by the Group since it commenced operations in 2008 (excluding extensions) was £811.34 million.

The new Bonds have a minimum initial subscription amount of £2,000 and are available in multiples of £100 thereafter. The offer period opened on 19 July 2017 and is expected to close at 12 noon (GMT) on 4 August 2017. The Lead Manager retains the right to close the offer early, in conjunction with the Issuer and LendInvest. The Retail Bonds have a stated interest of 5.25% per year can be paid semi-annually. At any time while the bond is valid, it can be sold by investors on the open market.

LendInvest states the Bonds are expected to be listed on the UK Listing Authority’s Official List and admitted to trading on the London Stock Exchange’s regulated market and through the electronic Order Book for Retail Bonds.

LendInvest boasts that since 2008, investments from both individuals and institutions have reached nearly £1 billion in loans. This money has allowed borrowers to either buy, build, or renovate over 2,700 properties in over 120 United Kingdom towns.

LendInvest has stated that their new Retail Bonds are available for retail investors and are being used to fund the purchase of loans which meet their eligibility criteria.

The offer period for these loans is open now and is expected to close by noon on August 4th.

The Co-founder and CEO of LendInvest Limited, Christian Faes, commented:

“In an era of record low interest rates coupled with constrained bank lending, LendInvest has developed a unique and compelling proposition for borrowers, through speed of execution and increased efficiency, and for investors, by offering access to a much sought after asset class delivering compelling returns. As we continue to scale the business, we’re increasingly looking to diversify our funding model and expand our capacity to lend to underserved borrowers, as well as to create new entry points to an attractive asset class that suits a broader range of investors seeking competitive risk-adjusted returns. The launch of this Bond allows us to achieve both of these ambitions, supporting future growth goals.”

Rod Lockhart, Managing Director, LendInvest Capital, called the launch of the retail bond as coming at a critical time when residential property demand is outstripping supply;

“The retrenchment of traditional lenders from short-term or small-scale property financing has created a fundamental lack of capital for professional property investors, but also an opportunity for competitive alternative lenders like LendInvest. We want to support more professional borrowers through our tried and tested model and excellent track record and the Retail Bond creates a whole new funding source which enables us to do so.”

LendInvest launched as a peer to peer lending platform targeting the commercial property sector. Since launch, the platform has become more complex adding features and services. LendInvest also happens to be one of the few profitable online lenders in the UK.


用微信扫描可以分享至好友和朋友圈

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

吕林倩未央编辑团队

107
总文章数

TA还没写个人介绍。。。

英国发薪日贷款运行机制与监管研究

陈嘉希 04-18

Innovate Finance发布英国首份金融科技沙盒咨询报告

吕林倩 04-12

英国与日本联合打造金融科技合作监管模式

高旭 03-12

英国金融行为监管局《沙盒监管》全文翻译

中国政法大... 02-24

融资换贷款计划遇冷 英国中小企业或更青睐网络借贷

吕林倩 2016-12-06

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1