Fairer property finance
A mediated, peer-to-peer purchase plan that connects buyers and sellers directly – cutting out rigid bank lending, creating shared social value.
P2P Home Finance creates a fairer property market by putting control back in the hands of buyers and sellers.
£4.2m unlocked
For self-employed & creditworthy buyers excluded by bank rules.
Reduces financial exclusion
Provides a pathway for responsible buyers who pay rent reliably.
Keeps wealth in communities
Interest stays with the seller, not a distant banking group.
Supports retirement income
Vendors turn property equity into regular, tax-efficient income.
No bank mortgage needed
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
The trade-off is time. You receive your full price plus interest, but over years rather than in one lump sum. For vendors who don’t need the full amount immediately, this can be substantially more rewarding than a traditional sale.
| Traditional sale | P2P Home Finance | |
|---|---|---|
| Cash on day one | £300,000 | £60,000 |
| Monthly income | £0 | £2,664 for 10 years |
| Total received | £300,000 | £379,728 |
| Additional value | — | +£79,728 |
| Your ongoing involvement | None | None (we manage everything) |
What's the benefit?
Cutting out the banks means everyone gets a better deal because interest payments go to real people instead of bank shareholders.
How do you assess affordability?
All buyers are assessed for affordability. If you can afford to rent, you can probably also afford to buy. The regulations allow a period of foreberance for any payment arrears to be recovered. In most circumstances, even if a buyer cannot keep up with payments, they are no worse off than they would have been with renting.
Is this regulated?
Yes. Under MCOB 15 - Peer to Peer Home Finance. The rules are simlar to mortgage providers.
Can the arrangment be cancelled?
Buyers and Sellers may exit the contract by selling their equitable interest via a secondary market to buyers 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?
Taxes may be deffered over the payment plan. This applies to Stamp Duty for the buyer and Capital Gains for the seller. Please speak to a tax advisor.
Retired homeowner, Manchester.
Wanted to sell a property but three buyers fell through because of mortgage problems. Accepted a P2P Home Finance offer at full asking price. Now receives monthly income that supplements her pension.
Landlord exiting the market, Leeds.
Tired of maintenance, void periods, and regulatory burden. Sold a buy-to-let property through P2P Home Finance. Receives a higher monthly return than rental income — with no tenant management, no repairs, and no Section 21 headaches.
Estate executor, Birmingham.
Inherited a property and needed to sell. No mortgage buyer could be found within 6 months. P2P Home Finance delivered a completed sale within 6 weeks.
Premium asset on balance sheet
The deferred consideration becomes a recognised financial asset at NPV – not an IOU.
Regular interest income
Turn your equity into a monthly income stream (3–8% typical), often above savings rates.
Fully secured by a legal charge
ndependent Security Trustee holds the charge. You are a secured creditor.
No chain. Full market price.
No discount for “cash buyer”. Achieve 100% of value, paid over time.
