Don’t invest unless you’re prepared to lose money.
This is a 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 mins to learn more.
Lender Risk and Return Statistics
Loan Book Split.
All Time
Total lending: £46,899,906.72
| Loan type | Amount |
|---|---|
| Property | 45,282,071.01 |
| Guarantor | 671,999 |
| Unsecured | 925,171.71 |
| Pension | 20,665 |
Current Live Loans
Total live: £9,050,798.61
| Loan type | Amount |
|---|---|
| Property | 8,899,418.25 |
| Guarantor | 23,799.4 |
| Unsecured | 127,580.96 |
| Pension | 0 |
JustUs will only present a borrower on the platform who can afford the repayments at the time of application.
CAPITAL AT RISK
Important: Please note your capital may be at risk with Peer to Peer lending and your investments are not covered by the Financial Services Compensation Scheme (FSCS).
Personal Guarantor Loans
If a borrower is a tenant, they will need to secure a personal guarantor, who must have a good financial standing and credit score, and be a homeowner.
| Risk Grade | ISA Pot | Combined Equifax Score | Loan amounts | Lender % p.a. | Platform % p.a. |
|---|---|---|---|---|---|
| G1 | ##### Adventurous | 600+ | £2,000 - £15,000 | 11% | 18.5% |
| Risk Grade | Forecast Capital Loss | Live loans | Number of loans |
|---|---|---|---|
| Guarantor | 1.0% | £52,205.00 | 6 |
When a borrower applies for a property loan, the loans will be secured by way of a legal charge against the properties offered as security.
Bridging Loans.
In certain instances, such as a bridging loan when a property is being developed or sold, up to 12 months interest payments can be rolled up into the gross loan.
| Risk Grade | ISA Pot | Security | Maximum LTV | Loan amounts | Lender % p.a. | Platform % p.a. |
|---|---|---|---|---|---|---|
| F1 | ##### Prudent | 1st Charge | 60% | £250,000 to £1,000,000+ | 7.50% | 3.50% |
| F2 | ##### Balanced | 1st Charge | 70% | £50,000 to £1,000,000+ | 9.50% | 4.50% |
| F3 | ##### Balanced | 1st Charge | 70% | £25,000 to £250,000 | 11.00% | 9.00% |
| F4 | ##### Adventurous | 1st Charge | 70% | £25,000 to £1,000,000 | 13.00% | 9.00% |
| F5 | ##### Adventurous | 1st Charge | 70% | £250,000 to £1,000,000+ | 13.00% | 9.00% |
| F6 | ##### Balanced | 1st Charge | 70% | £100,000 to £1,000,000+ | 9.50% | 6.00% |
| S1 | ##### Balanced | 2nd Charge | 75% | £100,001 to £500,000 | 9.50% | 4.00% |
| S2 | ##### Adventurous | 2nd Charge | 75% | £50,001 to £500,000 | 11.50% | 10.00% |
| S3 | ##### Adventurous | 2nd Charge | 75% | £25,001 to £500,000 | 14.50% | 13.00% |
Buy-to-Let
When a buy to let loan is presented, the rent on the property must be able to service the loan payments plus have 25% surplus in excess of the contracted monthly payment.
| Product | ISA Pot | Max LTV | ICR | Loan amounts | Lender % p.a. | Platform % p.a. |
|---|---|---|---|---|---|---|
| BTL 1 | ##### Prudent | 50 | 125% of pay rate | £50,000 to £1,000,000 | 4.25% | 1.74% |
| BTL 2 | ##### Prudent | 65 | 125% of pay rate | £50,000 to £1,000,000 | 4.50% | 1.99% |
| BTL 3 | ##### Balanced | 80 | 125% of pay rate | £50,000 to £1,000,000 | 4.75% | 2.24% |
| BTL 4 | ##### Prudent | 50 | 125% of pay rate | £25,000 to £1,000,000 | 5.50% | 3.49% |
Typical lender example:
£5,000 lent to B3 borrowers.
At the end of year 1 - Interest earned at 9.50% = £475
Potential capital loss 6% over 43 months loan = 1.67% p.a. @ £83.50
Net return p.a. 7.83% = £391.50
ISA Pot Structure
PRUDENT
| Risk Grades | Interest | F/C Loss p.a. | F/C Net Rtn p.a. |
|---|---|---|---|
| BTL1 | 4.25% | 0.10% | 4.15% |
| BTL2 | 4.50% | 0.10% | 4.40% |
| BTL4 | 5.50% | 0.10% | 5.40% |
| A1 | 5.50% | 0.56% | 4.94% |
| A2 | 6.00% | 0.70% | 5.30% |
| A3 | 7.00% | 0.84% | 6.16% |
| F1 | 7.50% | 0.10% | 7.90% |
| Average | 5.82% | 0.36% | 5.39% |
BALANCED
| Risk Grades | Interest | F/C Loss p.a. | F/C Net Rtn p.a. |
|---|---|---|---|
| BTL3 | 4.75% | 0.10% | 4.65% |
| B1 | 8.00% | 1.10% | 6.90% |
| B2 | 9.00% | 1.45% | 7.55% |
| B3 | 10.00% | 1.67% | 8.33% |
| S1 | 9.50% | 0.10% | 9.40% |
| F2 | 9.50% | 0.10% | 9.90% |
| F3 | 11.00% | 0.10% | 11.40% |
| F6 | 9.50% | 0.10% | 9.90% |
| Average | 9.09% | 0.59% | 8.32% |
ADVENTUROUS
| Risk Grades | Interest | F/C Loss p.a. | F/C Net Rtn p.a. |
|---|---|---|---|
| C1 - No Longer Available | 12.00% | 2.79% | 9.21% |
| C2 - No Longer Available | 13.00% | 3.62% | 9.38% |
| C3 - No Longer Available | 15.00% | 4.18% | 10.82% |
| F4 | 13.00% | 0.40% | 13.10% |
| F5 | 13.00% | 0.40% | 13.10% |
| S2 | 11.50% | 1.00% | 10.50% |
| S3 | 14.50% | 1.00% | 13.50% |
| G1 | 11.00% | 0.75% | 10.25% |
| Average | 13.00% | 1.77% | 11.11% |
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED AGAINST IT.