
Your trusted investment partner
Looking for a higher yield on your savings? Join our small community of funders and invest alongside our founders who, with family, account for one quarter of our funding.
6% - 8% 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 Southwest. We offer different fixed rates of return depending on the amount and term of investment, paying between 6% to 8% for a minimum of £100,000 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. 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 funds 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 Directors of Bricks and their family members, who together make up about one quarter of our total fund.
Our legal documentation is undertaken by either Trowers & Hamlins LLP or Michelmores Solicitors LLP, both Top 100 Legal Firms, to ensure we have the highest standard of legal protection and security. Once the loan is in place, we collect all the interest and principal repayments from the borrower.
Bricks make both regulated and unregulated loans. We are authorised and regulated by the Financial Conduct Authority to administer, arrange and enter into regulated mortgage contracts but we are not required to be authorised for all financial activities and 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 £100,000. 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 do I calculate how much I could earn from my investment?
Use our investment calculator or contact us for a quote.
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.
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 with directors’ and founders’ own lending to Bricks Finance.
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.