--- title: Invest in P2P Loans Secured on Property* - Earn up to 9.13%*† gross pa description: Earn up to 9.13%*† gross pa | Kuflink co-invests up to 5%* | 1st & 2nd Legal charge on property* --- **Earn up to 9.13%*† gross pa Lending on Loans secured on UK property*.**  ![Group 178-1](https://join.kuflink.com/hubfs/Group%20178-1.png) Loans secured against UK property (1st & 2nd legal charges)* ![gross](https://join.kuflink.com/hubfs/gross.png) Tax-efficient Innovative Finance ISA wrapper is available. Transfer your ISA. ![Img + Trustpilot + Logos-1](https://join.kuflink.com/hubfs/Img%20+%20Trustpilot%20+%20Logos-1.png) [Get Started](https://invest.kuflink.co.uk/auth/register/?utm_medium=cpc&utm_source=Moneycouk&utm_campaign=P2P) ![Group 25673](https://join.kuflink.com/hubfs/Group%2025673.png) [Trustpilot](https://uk.trustpilot.com/review/kuflink.com) Total Amount Invested 0 Number of Investments 0 Total Capital Repaid 0 ![FTAdviser_gray](https://join.kuflink.com/hubfs/FTAdviser_gray.png) ![Sky-Tv (1)](https://join.kuflink.com/hubfs/Sky-Tv%20(1).png) ![lbc-svg-1](https://join.kuflink.com/hubfs/lbc-svg-1.svg) ![Time logo-2](https://join.kuflink.com/hubfs/Time%20logo-2.png) ![daily logo-1](https://join.kuflink.com/hubfs/daily%20logo-1.png) ![CEO3](https://join.kuflink.com/hubfs/CEO3.png) #### [CEO of the Year](https://invest.kuflink.co.uk/auth/register?utm_campaign=p2pfinancenews&utm_source=email&utm_medium=internal&utm_content=p2pfinancenews) Kuflink is a family made up of many stakeholders, including our team, investors, employees, partners, etc. We thank them and all those who have supported us. [Get Started](https://invest.kuflink.co.uk/auth/register?utm_campaign=p2pfinancenews&utm_source=email&utm_medium=internal&utm_content=p2pfinancenews) ![Investors Choice 3](https://join.kuflink.com/hubfs/Investors%20Choice%203.png) #### [Investors' choice](https://invest.kuflink.co.uk/auth/register?utm_campaign=p2pfinancenews&utm_source=email&utm_medium=internal&utm_content=p2pfinancenews) This is an outstanding accolade to be voted the best Peer to Peer (P2P) platform by Investors from all P2P platforms. We are looking forward to 2023 with many more features in the pipeline. [Get Started](https://invest.kuflink.co.uk/auth/register?utm_campaign=p2pfinancenews&utm_source=email&utm_medium=internal&utm_content=p2pfinancenews) ![Bridging lender 3](https://join.kuflink.com/hubfs/Bridging%20lender%203.png) #### [Bridging lender of the Year](https://invest.kuflink.co.uk/auth/register?utm_campaign=p2pfinancenews&utm_source=email&utm_medium=internal&utm_content=p2pfinancenews) The Bridging team is exceptional in experience and talent. Lending is an art form which we have ingrained in our proprietary technology. [Get Started](https://invest.kuflink.co.uk/auth/register?utm_campaign=p2pfinancenews&utm_source=email&utm_medium=internal&utm_content=p2pfinancenews) ## Kuflink's Purpose is to Connect People to Financial Freedom   OUR INVESTOR STORIES ![image](https://join.kuflink.com/hubfs/Screenshot%202021-10-20%20at%2010.58.45.png) "I have been investing in Kuflink since early 2018. The website and structure of investing are simple to understand and use. In this time I have made many investments and always received the interest due. I like the company’s good communication with regards to my investments (regular updates) and the good returns that I receive on them. The main reason I invest with Kuflink is, unlike a lot of “crowdfunding” sites, that my investment is secured against fixed assets, so in the event of a problem, there is recourse. In addition, Kuflink themselves invest their own money in each “deal” on offer, which gives me a lot of confidence in the products even in these difficult times." **Phil** OCTOBER 2021 ![image](https://join.kuflink.com/hubfs/Screenshot%202021-10-20%20at%2010.45.28.png) "I am a seasoned investor with accounts with 14 UK peer-to-peer lending platforms. The fact that my loans with Kuflink are all asset-backed, usually with first-charge security, over properties and/or land in the UK gives me peace of mind. The interest returns are generous. Most importantly, I have never lost a penny with any of my investments on Kuflink. The customer service is exceptional. The staff are friendly, on the ball, and always go the extra mile. Kuflink have grown to become my favourite P2P lending platform. Such is my confidence in the company that I have loaned £541,946 via them in the last six months." **David** OCTOBER 2021 ![image](https://join.kuflink.com/hubfs/Madeline.png) "I have been investing with Kuflink for just over three year now and I am delighted with the results. It’s simple to use and understand, and I particularly like being able to choose individual properties myself. The staff are readily available to help with any questions, or advice needed and they will keep investors updated on your investments. The web site is easy to use and understand, making the investing with Kuflink something anybody can do.The fact that interest is paid monthly means you can see how well your investments are doing." **Greg Davis** December 2020 ![image](https://join.kuflink.com/hubfs/john.png) "I've used Kuflink for about three years now for both business and personal funds. When deposit rates continued to fall I looked to get a better return on cash. Peer to peer lenders were the obvious choice and Kuflink has proved to be a sound choice. Interest rates are excellent, and what I like in particular is that all loans are backed by property with sensible LTV rates, giving a very good level of security. The company invest alongside investors as well. Communications from Kuflink are excellent, and even in the difficult year we've just had, there have been no significant issues. I hate the term 'no brainer' but with deposit rates at a fraction of 1%, Kuflink is a great home for cash you're prepared to tie up for the next 12-18 months." **John Harrison** December 2020 ![image](https://join.kuflink.com/hubfs/phil%20(2).png) "I have been investing in Kuflink since early 2018. The web site and structure of investing is simple to understand and use. In this time I have made many investments and always received the interest due. I like the company’s good communication with regards to my investments( regular updates) and the good returns that I receive on them.The main reason I invest with Kuflink is ,unlike a lot of “crowd funding” sites, that my investment is secured against fixed assets, so in the invent of a problem there is recourse. In addition Kuflink themselves invest their own money in each “deal” on offer This gives me a lot of confidence in the product even in these difficult times." **Phil Richardson** December 2020 ![image](https://join.kuflink.com/hubfs/Scroll%20Group%201-2.png) "Like many, I was nervous about a “different” type of investment. But the Kuflink approach and professionalism has assuaged my worries and means my limited investment pot grows at a better rate than banks etc.The loans being secured on property was an initial security – and then in speaking to the team it was explained that Kuflink also put in a percentage of the company’s money – so it’s in everyone’s “interest” to ensure repayment – and I’ve never been let down – although sometimes it can take a little longer than the original agreed period – especially during the current strange times.Thanks Kuflink – keep doing what you do!" **Victoria Courtney** December 2020 ![image](https://join.kuflink.com/hubfs/grey.png) "I was looking for a better return on my investments than the paltry interest rate my bank is offering. I have been really pleased with the interest rates offered by Kuflink. I also really appreciate the personal service which is excellent. I know from talking to you that your company takes due-diligence very seriously when choosing individuals or companies to lend money to. That is very reassuring." **Madeline Harrison** December 2020 OUR BORROWER STORIES ![image](https://join.kuflink.com/hubfs/Screenshot%202022-06-20%20at%2017.03.39.png) "I came across Kuflink 3 years ago when trying to help a client repay their existing facility with them. I’ve never thought to use them previously but the way in which they handled this situation really impressed me. They had the client's best interests at heart when trying to find a solution. They worked on 3 different solutions to help the client. I found this so refreshing, having dealt with lenders whose main aim is to acquire assets, and it was something I wanted to align myself with. I found synergy in our principles and the way we work, putting the client first and always trying to find solutions. I always research the market for each deal, I present terms from a number of lenders, comparing rates, terms criteria as well as service. Each time they come out on top and prove why I recommend them on a daily basis. Having that trust with our lending partners as well as clients is key to any successful working partnership. Having now completed many transactions with Kuflink, they are without a doubt one of our top 5 lenders to work with and always rank in our market research when sourcing new facilities for clients." **Adele Turton (Blanc Property Finance)** June 2022 ![image](https://join.kuflink.com/hubfs/Pradeep%20Mehta.jpeg) "I approached Kuflink Bridging to complete on an auction purchase for a 100% facility with additional security offered. Mr Jeff Bungar was extremely helpful and co-ordinated the advance in good time for the 28-day completion deadline. I would not hesitate to recommend Kuflink Bridging Finance to my colleagues who need fast delivery of funds to meet their deadlines. Thank you." **Pradeep Mehta** January 2021 ![image](https://join.kuflink.com/hubfs/Deboarah%20Pinnock%20-%20Daley.jpeg) "Thank You to Kuflink. We would like to thank Kuflink, who provided us with a friendly and flexible service in providing bridging finance for our development project at Honister Gardens. This project was originally due to last for 26 weeks, with building work having commenced in May 2019 and finance from Kuflink was due for a period of 12 months. This project took longer than planned, being completed in January 2021 and we needed to extend the loan agreement three times. Bridging lenders tend to have a bad reputation, however, this was not our experience with Kuflink. Each time we needed to extend the loan period or raise additional finance we found them to be approachable, understanding and easy to work with. In addition to the funding, Kuflink recommended a project management/employers agent service that we found to be very useful in assisting with things such as valuations and construction issues throughout the project and this helped contribute to its success. I would certainly wholeheartedly recommend Kuflink for the way they go the extra mile. We now have a completed project that we are extremely happy with!" **Deborah Pinnock-Daley - Operations Director, Striving For Independence Care** January 2021 ![image](https://join.kuflink.com/hubfs/Tony%20Pritchard%20.jpeg) "In our experience, Kuflink were quick to make a decision and efficient in their credit checks and enquiry’s, and all this when even the high St banks were caught up in deliberating and hesitation. " **Tony Pritchard I.R.P.M Managing Director** JANUARY 2021 ![image](https://join.kuflink.com/hubfs/Gurvinder%20Singh%20Saluja%20Kuflink%20bridging%20Borrower.jpeg) "I took Bridge Loan from Kuflinks to purchase property in Gravesend. All Kuflink staff were professional and accommodating. My purchase went through very smoothly. All my emails were replied on the same day. I thank everyone at Kuflink." **Gurvinder Singh Saluja ** JANUARY 2021 ![image](https://join.kuflink.com/hubfs/David%20Hunter.png) "I have dealt with Kuflink as a borrower and lender. From both aspects, they were professional at all times. As a borrower, every 't' was crossed and every 'i' was dotted, and if I ever need funding again, there is only one organisation I would approach. Also, as a lender, Gurbinder was 100% professional with no sales pressure and clearly outlining all aspects of the transactions. For my company, there will only be one place to go - Kuflink." **David Hunter (Torpedo South Ltd) ** December 2020 ## Why Kuflink? ### 8 reasons why Kuflink! - - We co-invest up to 5% alongside you, subject to criteria (Select-Invest only) - Secured Loans* - Independently AUDITED Accounts since 2014 (Kuflink Group Limited) - P2P Platform (Kuflink Ltd) profitable since 2020 - Bridging Loans since 2011 & Online P2P Platform since 2017 - Blended LTV & LTGDV circa 65% - Loan book monitored daily by our in house collections team - Collections use 30 day Default rule v 180 day FCA Default rule ![Due-Deligence-First-Design_1](https://join.kuflink.com/hubfs/Due-Deligence-First-Design_1.svg) [Get Started](https://invest.kuflink.co.uk/auth/register/?utm_medium=cpc&utm_source=Moneycouk&utm_campaign=P2P) ## How **it works** ![Register Vector](https://join.kuflink.com/hubfs/Register%20Vector.png) ### Register It's quick and easy to setup your account, and top up your Kuflink wallet. ![Register Vector](https://join.kuflink.com/hubfs/Register%20Vector.png) ### Invest Choose the specific deal you'd like to invest in (Select-Invest), or have us diversify your portfolio across a range of deals; we call that Auto-Invest. ![Earn Vector](https://join.kuflink.com/hubfs/Earn%20Vector.png) ![1.2.3](https://join.kuflink.com/hubfs/1.2.3.png) ![Invest Vector](https://join.kuflink.com/hubfs/Invest%20Vector.png) ![Invest Vector](https://join.kuflink.com/hubfs/Invest%20Vector.png) ### Earn Sit back and receive your interest, or alternatively choose to compound and receive your interest and more at the end of the loan term. ![Earn Vector](https://join.kuflink.com/hs-fs/hubfs/Earn%20Vector.png?width=268&height=229&name=Earn%20Vector.png) [Get Started](https://invest.kuflink.co.uk/auth/register/?utm_medium=cpc&utm_source=Moneycouk&utm_campaign=P2P) ## Comprehensive Deal Information ###### Available to Invest ###### Rating: ###### Available to Invest ###### Rating: ###### Available to Invest ###### Rating: ##### We provide a plethora of information for every deal - valuation report, legal documents, borrower credit history information and more. We use a detailed quantitative analysis to evaluate the risk of each and every loan. Our proprietary risk rating allows you to better understand the loan ![QuantAnlForLandingPage](https://join.kuflink.com/hubfs/QuantAnlForLandingPage.jpg) ### Kuflink's £1m Tax-Free Interest Model ## We would like to share the following model to show you how to earn over £1m in Interest, Tax-free.  Our Accountants, Compliance and Tech teams brainstormed in the boardroom and discovered a way to make over **£1m net Tax-free** **interest** using the Kuflink IF-ISA model*. Being Tax-Free, this boosts your returns by compounding the tax-free earnings that you can then watch grow exponentially over time. Kuflink's IF-ISA fits this model. Consider the following to **earn £1M TAX-FREE** from **Kuflink's 5-Year IF-ISA at 8.05% (compounded annually)***. (The concept works on **smaller amounts** as the percentage return is the same). ![Group 44821](https://join.kuflink.com/hubfs/Group%2044821.png "Group 44821") ![Kuflink Power of compounding slow and steady wins the race chart copy-2](https://join.kuflink.com/hubfs/Kuflink%20Power%20of%20compounding%20slow%20and%20steady%20wins%20the%20race%20chart%20copy-2.png "Kuflink Power of compounding slow and steady wins the race chart copy-2") ## Dedicated UK based **Investor relations Support** We pride ourselves on our friendly and efficient customer service. Our Investor Relations team is available on [**live chat**](https://www.kuflink.com/)[** or telephone from 9am - 5.30pm, Monday to Friday.**](https://www.kuflink.com/) ![telephone](https://join.kuflink.com/hs-fs/hubfs/telephone.png?width=33&name=telephone.png)  [**01474 33 44 88**](tel:01474%2033%2044%2088) ![telephone-1](https://join.kuflink.com/hs-fs/hubfs/telephone-1.png?width=44&name=telephone-1.png) **   [hello@kuflink.com](https://myaccount.google.com/?utm_source=sign_in_no_continue)** [Get Started](https://invest.kuflink.co.uk/auth/register/?utm_medium=cpc&utm_source=Moneycouk&utm_campaign=P2P) Trending Blogs [ 16Jan Kuflink Soars: Doubling Profits and Delivering... We're thrilled to announce a record-breaking year for Kuflink, the award-winning financial lender you trust. ](https://news.kuflink.com/investors/kuflink-soars-doubling-profits-and-delivering-more-in-2024?hsLang=en) [ 09Oct IF-ISA, beginner's guide to earning £1m Interest... Earn £1m Interest Tax-free, using a simple UK Tax idea.*   ](https://news.kuflink.com/investors/if-isa-beginners-guide-to-earning-1m-interest-tax-free?hsLang=en) [ 09Oct Is Peer to Peer Lending Safe? Coffee with... As Head of Collections for Kuflink, and armed with 30 years of banking experience, I have taken to this department like a duck... ](https://news.kuflink.com/investors/is-peer-to-peer-lending-safe-coffee-with-kuflinks-head-of-collections?hsLang=en) [Get Started](https://invest.kuflink.co.uk/auth/register/?utm_medium=cpc&utm_source=Moneycouk&utm_campaign=P2P) # Download a Free IF - ISA Guide **Subscribe** to the **Kuflink Peer to Peer Investment Blog** and get your **FREE Ebook **today:  **'Individual Saving Accounts' ('ISA's')** where you can earn **Interest TAX-FREE.**​ | | | --- | | | | | --- | --- | | | | --- | | | | | ## Kuflink Awards ![](https://join.kuflink.com/hubfs/BC-P2P-Award.png) ![](https://join.kuflink.com/hubfs/BMF17WIN-prdinnvprv.png) ![](https://join.kuflink.com/hubfs/BMF19multiWIN-altfund.png) ![](https://join.kuflink.com/hubfs/sfi_awards.jpg) ![](https://join.kuflink.com/hubfs/winners-1.png) ![](https://join.kuflink.com/hubfs/PWA-Logo-CMYK.png) | Associations | | --- | | ![Gold Member Badge - highres (1)](https://join.kuflink.com/hs-fs/hubfs/Gold%20Member%20Badge%20-%20highres%20(1).png?width=200&height=91&name=Gold%20Member%20Badge%20-%20highres%20(1).png) | | ![BDLA_Member](https://join.kuflink.com/hs-fs/hubfs/BDLA_Member.jpg?width=101&height=101&name=BDLA_Member.jpg) | | ![Unknown-2](https://join.kuflink.com/hs-fs/hubfs/Unknown-2.jpeg?width=200&height=68&name=Unknown-2.jpeg) | | ![LS_AssociatePartner_Web2](https://join.kuflink.com/hs-fs/hubfs/LS_AssociatePartner_Web2.png?width=200&height=68&name=LS_AssociatePartner_Web2.png) | | --- | --- | --- | --- | --- | --- | --- | | ![Gold Member Badge - highres (1)](https://join.kuflink.com/hs-fs/hubfs/Gold%20Member%20Badge%20-%20highres%20(1).png?width=200&height=91&name=Gold%20Member%20Badge%20-%20highres%20(1).png) | | --- | | | | ![BDLA_Member](https://join.kuflink.com/hs-fs/hubfs/BDLA_Member.jpg?width=101&height=101&name=BDLA_Member.jpg) | | | | ![Unknown-2](https://join.kuflink.com/hs-fs/hubfs/Unknown-2.jpeg?width=200&height=68&name=Unknown-2.jpeg) | [Get Started](https://invest.kuflink.co.uk/auth/register/?utm_medium=cpc&utm_source=Moneycouk&utm_campaign=P2P) *Don't invest unless you're prepared to lose money. This is high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. [**Take 2 minutes to learn more**](https://www.kuflink.com/risk-warning-summary/)