Recommended P2P Platforms for loans with LTV's below 50%

We have been investing in the P2P industry almost since it started and have had some very good experience (well secured loans with excellent double figure returns) and some very bad experience (valuations which have been way off the mark resulting in significant losses when the loan has gone into default and the security property sold at a fraction of its originally purported value and certain platforms not even obtaining the security lenders were promised).

We have also witnessed the interest levels dropping substantially and a more recent trend towards much higher LTV loans (some as much as 75% LTV).

We are also wary of development loans which are based on LGDV, which is not something we are interested in. We would invest in the initial loan to purchase the site (providing its no more than 50% LTV) but we do not wish to get involved in the more risky development funding. Based on our experience to date, we are now only interested in loans backed by a first legal charge against property and with an LTV of 50% or lower.

Any recommendations would be welcome please.