Your trusted investment partner
Looking for a higher yield on your savings? Join our small community of investors and earn interest alongside our founders who, with family, account for about twenty percent of our funding.
5% - 7% p.a.
fixed rate of return
12 months
minimum term
ZERO
investor losses to date
We pool investor funds with our own to make bespoke short-term loans secured on property in the South West. We offer different fixed rates of return depending on the amount and term of investment, paying between 5% to 7% for a minimum of £50,000 for 12 to 24 months.
Our guiding principle is ‘sensible financing’. We take a common-sense approach to lending, fully exploring where risks lie and how they can be managed.
We understand the importance of rigorous risk management and our highly experienced team adopts a hands-on policy to every loan we make. When we consider a new loan, our credit committee ensures we only lend to people who can afford to repay us and all loans are secured on assets with a maximum loan to asset value of 70%.
This is why we have recorded zero investor losses since we founded Bricks in 2014.
The founders of Bricks invest their own money alongside yours. We meet borrowers personally, assess the case for finance in detail, and take security on property for which we understand the market value. Our investment fund consists of over 80 individual investors, as well as the founders and their family members, who together make up about twenty percent of our total fund.
Once the loan is in place, we collect all the interest and principal repayments from the borrower.
We are authorised and regulated by the Financial Conduct Authority to provide mortgages and comply with all professional obligations and regulatory standards. We also make unregulated loans. Loans to Bricks are not covered by the Financial Conduct Authority. Your capital is at risk and is not protected under the Financial Services Compensation Scheme.
If you would like to be part of Bricks and our business of sensible finance click below to get in touch.
Frequently asked questions
Do you offer bonds or mini bonds?
Yes. The minimum investment is £50,000. Everybody, including the Bricks Finance founders and families, lend their money to the same investment fund and then the Bricks Finance founders decide who the fund lends to.
Is Bricks Finance a peer to peer (P2P) lender?
No. Everybody, including the Bricks Finance founders and families, place their money in the same investment fund and then the Bricks Finance founders decide who the fund lends to.
How long can I invest for?
Following a minimum term of 12 months, we have options for 6, 9, or 12 months’ notice.
As Bricks Finance is authorised and regulated by the Financial Conduct Authority, am I covered by the Financial Services Compensation Scheme (FSCS)?
No, money you lend to Bricks Finance is not covered by the FSCS.
What happens if I need the money I loaned to Bricks Finance before the maturity date?
Although we are under no obligation to repay loans early except as specified in each loan document, we will consider the circumstances and, if cash reserves permit, repay early if there is a compelling need.
When I lend to Bricks Finance, what is the main risk?
The main risk is that we are unable to continue to make the interest payments when they fall due or to repay the loan principal amount when it falls due. In order to minimise that risk: (i) We meet and check the creditworthiness of every borrower; (ii) Certain security documents are entered into between Bricks Finance and the borrower (apart from probate loans) to secure the total amount repayable under the loan contracts against a property or other assets owned by the borrower; and (iii) We request certain due diligence material, check valuations, and a certificate of title, or we take secure possession. These steps help to reduce the risk of Bricks Finance losing its capital but does not completely eliminate the risk.
As an investor, when I lend to Bricks Finance, who has risk priority?
Bricks Finance enables you to make fixed-rate loans indirectly to a borrower either secured by assets or, in the case of probate loans, with a very strong covenant. Your loan will be made under an individual loan instrument directly between you and Bricks Finance. Loan instruments may have different maturities and interest rates but all rank equally including the directors, founders and their families own lending to Bricks Finance.
As a short term loan investor, how much can I invest?
Between £50,000 and £3,000,000.
How long can I invest for?
Following a minimum term of 12 months, we have options for 6, 9, or 12 months’ notice.
Experience, standing by you
Founded in 2014 with over 90 years of combined property, finance and legal expertise, the Bricks Finance team help local people to access finance easily and quickly by offering bespoke lending using their own funds as well as those from investors.
See our case studies
See how Bricks has helped businesses grow and provide investor returns.
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What our customers say
May 2024
These Ten Years
Our lending is diversified across 68 live loans, spread across seven different counties, but none too far away that we can’t regularly monitor them. Last…
Apr 2024
Inheritance Tax Planning
Over the past year we have been working on a new tax-efficient way to invest in Bricks that qualifies for Business Relief, which is exempt…
Nov 2023
Trading Update
For nine years, we have navigated difficult markets, adapted to change and consistently delivered safe and reliable returns for our investors. At the same time,…
Nov 2023
Historic Lunches with our Investors
We have made it a tradition to host investor lunches in novel locations. This year we entertained 60 of our investors in the historic building…
Oct 2023
Happy Birthday Bricks
Today marks the date nine years ago when the founders took the plunge and registered a new alternative lender. Since then we’ve navigated economic highs…
Sep 2023
Super Weston-super-Mare
Birnbeck is a redevelopment of a prominent Victorian building set overlooking Marine Lake and the Bristol Channel in Weston-super-Mare. A total of 26 flats over…
Sep 2023
Enlightening
The lights are finally on at our unique waterfront site in Plymouth. 5 out of 15 houses at Bostons Yard already sold.
Aug 2023
A Busy August
Bricks Finance closed four new deals in August and two of these were only possible because of the work we have put in with the…
Nov 2022
Bricks Celebrates 8th Birthday
As we celebrate eight years since Bricks Finance was founded, we wanted to share these milestones… ◆ Over £100M of loans completed successfully ◆ Loan…
Oct 2022
Bricks Investor and Grandfather of Five Sets British Record
Exeter Chiefs rugby fan and Bricks investor Graham Keene made the headlines in May becoming the oldest Brit to summit Mount Everest. Graham was born…
Sep 2022
Join Our Team
Want to join our team? We’re searching for a talented Loan Officer Salary: Dependent on experience Location: Exeter/Remote Full-time For more information email info@bricksfinance.co.uk
Jul 2022
Eight Years and 58 Lunches
Thank you to our investors who were able to join us for a series of lunches at the Roof Top Restaurant at the new Courtyard…
Jun 2022
Trading Update
As we celebrate the successful repayment of our 100th loan, with no investor losses since our foundation in 2014, our fund has grown to £35M.…
May 2022
South West Property Award Winner
Bricks client Stuart Gaiger has just won the South West Property Award for Small Residential Development of the Year for 21 to 100 units for…
Mar 2022
Supporting Children of Ukraine
We are heartbroken at the devastation in Ukraine and feel compelled to support the families whose lives are being turned upside down in the best…
Mar 2022
Trading Update
Following the Russian invasion of Ukraine, increased energy costs and inflation in the headlines, you may ask, ‘what does it all mean for money invested…
Feb 2022
Continued Organic Growth
The steady growth of Bricks continues, and in fact it will be a record year for new investment, with over £8M of new funds committed…
Nov 2021
Lending Unites Us
Our loans have helped people build their dream homes, acquire businesses, move house, carry out their own property development or fix a temporary cash shortage.…
Nov 2021
Celebrating 7 Years
For seven years our investors have funded more than £70m in loans without losing a penny of capital. Today, we have 53 investors and pay…
Sep 2021
How To Arrange A Quick Bridging Loan
Arranging a bridging loan can be simple and quick and in this guide we have distilled our many years of experience to help make the…
Aug 2021
Trading Update
During the seven years since our foundation in 2014, we have made over 120 loans and supported over 100 different families and businesses. Our commonsense approach…
Jul 2021
Boost your Savings with Fixed Return of 5% +
With interest rates at historically low levels, traditional deposit accounts from high street banks and building societies now average well below 1%. Is it possible to…
Jun 2021
Bricks Broker of the Year
Bricks Finance Broker of the Year 2020 goes to Simon Sheldrake of South West Business Finance. Presenting the award, Bricks cofounder Will Michelmore said, ‘Our award…
