August 2019 summary and monthly statistics can be seen below for our peer to peer and development loans.

 

 

Development and Bridging Data 2015 2016 2017 2018 2019 Cumulative @ 31/08/19
Default rates 11.1% 23.3% 39.8% 10.4% 0.0% 26.9% *See note below
Currently in default 0.0% 6.7% 19.3% 10.4% 13.5%
No of loans completed 9 31 88 73 29 229
Total value of loans completed £2,312,074 £16,095,000 £30,747,700 £25,086,000 £13,715,086 £87,955,960
Average loan period (months) 11 11 9 9 11 10
Average loan size £256,897 £519,194 £349,406 £343,644 £472,934 £382,417
**No of loans due to be redeemed 9 30 83 48 1 171
**No of loans redeemed within tolerance 8 23 50 37 0 118 69.0%
**No of loans redeemed beyond tolerance 1 5 17 0 0 23 13.5%
**No of loans not redeemed within tolerance 0 0 0 6 1 7 4.1%
**No of loans not redeemed beyond tolerance – default 0 2 16 5 0 23 13.5%
Average late days 30.5 157.9 225.4 65.6 N/A 163.9
Average late days incl HCBC1 funded out 202.3 162.7 201.4 69.5 N/A 162.8
% of investor monies lost to date 0% 0% 0% 0% 0% 0%

*Note- Actual default rates based on redeemed loans with a 180 day tolerance threshold.

**Note- Please note that redemption and default figures are based on the year the loan is made in eg. if a loan is made in 2017 and redeems in 2018 (even if late paying) the stats for it will be recorded in 2017.

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