HNW Lending

Please see the list below of the loans we currently have on our platform with only summary details as we aren't allowed to post too much details that might reveal who a borrower is:


Completed loans with parts available for sale:

£225k for 6 months LTV 57% from March 2017

First charge on a flat in South Norwood, London SE20 7UA valued at £395k

Rate payable to lenders 7.5% pa. £225k available


£30k for 12 months LTV 80%-85% from March 2017

2nd charge over 2 houses in Stonemuirhouse and Livingston valued at £580k, first charges total £465k

Rate payable to lenders 15% £20k available


£120k for 24 months LTV 41% from March 2017

First charge on a house in Hemingsby, Lincolnshire LN9 5QH valued at £295k

Rate payable to lenders 7% pa. £110k available


£200k for 6 months LTV 27%-64% from March 2017

First charge over a convenience store with flat above in Erith, DA8 3PW valued at £250k

Second charge over a house in Plumstead, London SE18 2SJ valued at £300k with a first charge of £150k

Rate payable to lenders 12% pa £110k available


£300k for 6 weeks from 17 Feb 2017

1st charge over a flat in the Postbox development, Birmingham B1 1LJ valued at £200k

Rate payable to lenders 10% pa. £100k available


£125 for 12 months from Feb 2017. LTV 34%-67%

2nd charge over a property in South Norwood, London SE25 5DJ valued at £450k, first charge £154k

Rate payable to lenders 11% pa. £55k available


£110k for 24 months from January 2017. LTV 0-30%

First charge over a 2-bed bungalow in Orpington, Kent BR5 4JJ valued at £330k

Rate payable to lenders 7% pa. £79k available


£100k for 12 months from January 2017. LTV 0-45%

First charge over a house in Sunderland SR2 7UX valued at £220k

Rate payable to lenders 7% pa. £80k available


£550k for 12 months from January 2017. LTV 0-69%

First charge over a 7-bed house in Addiscombe, Croydon, Surrey CR0 6XF valued at £800k

Rate payable to lenders 8% pa. £150k available


£100k for 12 months from January 2017. LTV 0-14%

First charge over a 2-bed flat in Wandsworth, London SW18 2PQ valued at £750k

Rate payable to lenders 6.5% pa. £90k available


£325k for 12 months from December 2016. LTV 0-59%

First charge on a house in Hackney Wick, London E9 5NX valued at £550k

Rate payable to lenders 7.5% £140k available


£350k for 12 months from December 2016. LTV 0-50%

First charge on a house in Wembley HA9 8JZ valued at £700k

Rate payable to lenders 7% £50k available


£165k for 12 months from November 2016. LTV 0-62%

1st charge over a commercial premises in Coulsdon CR5 2RA purchased at auction for £265k

Rate payable to lenders 8% pa £65k available


£475k for 12 months from November 2016. LTV 0%-40%

1st charge over a Chateau and surrounding land in Meillard, France

Rate payable to lenders 11% pa £50k available



Likely to complete in the next few weeks

£480k for 12 months. LTV 33%-55%

Second charge on a villa in Italy valued at £2.2m with a first charge loan of £730k plus additional collateral of 2nd charge on 2 UK properties (behind existing HNW loan)

Rate payable to lenders 15% pa. £200k available


£330k for 12 months LTV 51%

First charge on a property in Kilmarnock KA3 6AY valued at £650k

Rate payable to lenders 9% pa. £330k available


£1m for 3 months. LTV 50%

First charge over a flat in Chelsea Bridge Wharf, 368 Queenstown Road, London SW8 4NN valued at £2m

Rate payable to lenders 10% pa. £600k available


£125k for 12 months. LTV 55%-70%

2nd charge on a house in London SE12 9EZ Thames valued at £850k, first charge £470k

Rate payable to lenders 12% pa. £100k available


£100k for 6 months LTV 25%

First charge on a marina and office premises in Oulton Broad, Lowestoft NR33 9NQ valued at £400k

Rate payable to lenders 10% pa. £100k available


£700k for 24 months. LTV 40%

First charge on a house behind Cannes, France valued at E2m

Rate payable to lenders 12% pa. £200k available


£80k for 6 months LTV 53%

First charge on a property in Margate, Kent CT9 1SZ valued at £150k

Rate payable to lenders 7% pa. £80k available


£500k for 12 months LTV 35%

First charge on an office block in Dover CT17 9AH with rental income of £125k pa valued at £1.5m

Rate payable to lenders 8% pa. £100k available


£265k for 36 months LTV 47%-84%

First charge over a property in Peebles EH45 8HL to be purchased for £230,000

Second charge over a house in Peebles EH45 9DB valued at £385k with a mortgage of £285k

Second charge over a flat in Penicuik EH26 0AW valued at £100k with a mortgage of £50k

Part of the first property to be sold off shortly after completion to bring the LTV to below 70%

Rate payable to lenders 15% pa. £165k available


£175k for 18 months. LTV 67%

First charge over 2 properties in Dewesbury, West Yorkshire, WF13 2HP valued at £110k and £152k

Rate payable to lenders 10% pa. £150k available


£37.5k for 6 months LTV 38%

First charge over some building plots at Maulds Meaburn, Appleby, Westmoreland, Cumbria valued at £100k

Rate payable to lenders 8% pa. £30k available

We have only just put ourselves on this forum as we don't do any formal advertising, but feel free to give me a call or email as we'd be keen to have someone from the forum as an investor

'No defaults'?  I think that's wrong. They clearly state on their website they have had defaults...  It does sound like they are doing well with recoveries though. [perhaps you might not get that link unless logged in, so I removed it, but check their faq first] For clarity, 'no realised losses as yet' might be a better choice of words.

I'm making a post on this thread just so that people think I'm rich.

It may be this statement on the website that attracted ozboy 


"HNW Lending Ltd will normally arrange for a third party valuation to be provided, on which the lender can rely - this means that if the asset were to sell for well below the value in that third party valuation, then HNW Lending Ltd should be able to pursue a claim of negligence against the valuer and thus recover sufficient proceeds to repay the loan."


Nevertheless, that is an encouraging factor, as is the 'skin in the game', although we are not informed about the level of this but we are told that secondary market sales may be from the director's holdings. That slightly concerns me as the directors are thus able to exit a loan and leave it fully funded by lenders. The website is also rather out of date only declaring statistics up until the end of March.
I did take a look at them some months ago but didn't progress. I think it was partly the company name that put me off with its slight whiff of smugness or perhaps it's just plain naff. However now there is an ISA on offer I may explore further as I have far too much ISA funds earning far too little and a good track record with fair rates of interest is always worth a second look.

hnwlending , if you read this post please would you update us with current statistics and give further clarity to your statement "The Directors of HNW Lending Ltd offer to put their own money into loans and most of the loan parts available on the secondary market are from these positions".
And/or, if ozboy has signed up perhaps he could let us know if there's more information available for registered lenders. Thank you  

My story of getting invested...

I moved £20K ISA to them.  At 5K property it took quite a long time to get invested as two of the ones I picked had delays.
They emailed me, to let me change investment into other properties and I picked other ones that got delayed/had no availability:(
I'm concerned about cash drag of interest, as the min investment is £5K (ISA).  As noted here you can't transfer cash out (to ISA) w/o penalty.

The web site is prehistoric.
A number of loans have:
 "loan available"+"directors holdings" exceeding the actual NHW loan.

I was told a low LTV loan with £100K+ "loan available" had no free 5K allotment for me.
Got the impression the directors took all the loan.
The web site doesn't have so many inaccuracies tonight for new loans.

Once you get a loan, they are added to the statement tab, it doesn't look like it gets updated that often.
One column "No. days interest to be paid" hasn't changed for a few weeks.  My last fulfilled investment still on 0.

And if <10K is left of in investment you can't buy that with an ISA (even though min is 5k).  Maybe they can do it manually....