Fairer property finance
When a buyer can't get a mortgage, most sales collapse. P2P Home Finance keeps your sale alive – and pays you interest on top of the full asking price.
P2P Home Finance creates a fairer property market by putting control back in the hands of buyers and sellers.
1 in 3 sales fall through
Usually because the buyer's mortgage is declined or delayed. Your property goes back on the market. You start again.
Months of uncertainty
Bank affordability tests, surveyor disputes, chain delays. Even approved mortgages can be withdrawn at the last moment.
The bank takes the profit
When your buyer gets a mortgage, they pay hundreds of thousands in interest — to a bank. With P2P Home Finance, that interest comes to you.
You stay in control
You keep the legal title until you're fully paid. An independent Security Trustee holds a registered charge. You're a secured creditor — the same protection banks give themselves.
No bank mortgage required!
Say goodbye to banks. Your agreement is direct with the seller.
Flexible payment schedules
Seasonal or irregular income? We help you structure a plan that works for your life.
Independent Security Trustee
A neutral professional holds the legal charge, mediates disputes, and protects your interest.
Build equity from day one
Your deposit gives you immediate beneficial interest – not just a rent receipt.
Agree Terms
Deposit % + deferred period + interest rate with vendor.
AML + Legal
We verify ID, handle contracts & register a property charge.
Security Trustee
Independent holds charge; mediates if needed.
Pay & Occupy
Make regular payments, enjoy the property. Legal title transfers at final payment.
Deposit: typically 10–25%
Terms: 5–15 years
Interest paid to vendor – not a bank
Why wouldn’t I just sell normally?
Put simply, you can expect to receive more value. Interest payments come to you, instead of going to a bank. You have access to a wider pool of potential buyers, meaning meaning you are more likely to get closer to your asking price. Even if you have finance to clear, you may find that you can benefit from arbitrarge.
What if the buyer stops paying?
This is a risk. The regulations require a period of foreberance to allow payment arrears to be recovered. In these circumstances, we will mediate, aiming to collect at least the interest payments. If a buyer has paid a large deposit, they may use some of the accrued equity. However, once 6 payments are missed, buyers must vacate the property, which may be resold.
Is this regulated?
Yes. Under MCOB 15 - Peer to Peer Home Finance. The rules are simlar to those applicable to mortgage providers.
What if I need the money sooner than expected?
A secondary market allows you to sell your equity to other people, who will receive the benefit of future interest payments. Transactions on the secondary market are subject to demand, which may be influenced with a premium or discount when selling.
Do I pay tax on all of this?
Capital gains tax may apply. Please speak to a tax advisor.
A fair deal
A fair compromise between renting and owning
Cut out the banks
Interest paid to people, not bank shareholders
Secured by a legal charge
Independent Security Trustee holds the charge
No surprises
Payments are fixed - so no rent/mortgage increases
