Frequently Asked


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1. Do Sourced have experience in Property?

Yes. The team at Sourced have over 100 years combined experience in the property sector. This experience includes property investment, property development and property sourcing across the UK.

2. Is my money at risk when investing on the platform?

Yes. Like any other investment, your capital is at risk, which means that any investment you make on the platform carry’s the risk that it could be lost and never be repaid to you. To reduce the risk of your investment, each loan opportunity and borrower application is carefully vetted and will go through a thorough due diligence process. There are strict lending criteria in place and your investment will always be secured against an underlying property asset. You are advised to read our Risk Statement and review the loan opportunity thoroughly before deciding to invest.

3. What is the average return paid to investors?

There will be a variety of loan opportunities that you can lend towards. We expect the return rates available to you will range from 6-12% per annum. Returns are not guaranteed and your capital is at risk.

4. How often do I receive my returns from my investment?

Interest on your loan investment will be paid at the end of the loan term after the borrower of your money has repaid amounts due. Interest will be paid electronically direct to your online wallet and you will receive notifications when this has been done.

5. Can I invest using different currencies?

Yes. The platform allows you to invest using a variety of currencies and join investors from across the globe. Please be aware that all loan opportunities are listed and administered in Sterling (GBP) and you will be responsible for any foreign currency exchange differences, charges and local tax requirements.

6. Can I choose what interest is charged on my investment?

No. As part of the services we offer we will broker the interest that is eventually charged to the end borrower of your money. All borrower applications are different and will be reviewed on a case-by-case basis, with a view to lending your money in a profitable and sustainable manner.

7. Is my investment secured?

Yes. All loan investments are property related and will be secured with a first legal charge over the property in question. In the event of a borrower default, there is a risk that the amount you have lent is not fully recovered by the security in place.

8. Are there any restrictions on who can invest?

Yes. The platform has been created for Sophisticated and High Net Worth (HNW) investors and is for private members only. If you want to become an investor you must pass an accreditation process that includes: an appropriateness test, ID verification and confirmation that you understand the risks involved. Finally, all investors must be 18 years of age and over.

9. I am not a UK resident, can I invest?

Yes. You will still have to pass the same investor accreditation process as all other investors, but your location will not impact your ability to invest.

10. Is the return guaranteed?

No. The return on your investment is directly linked to the borrower of your money repaying what has been lent on time. There are a number of situations when this may not happen, for example, if a borrower was to go out of business. In this instance the security used against the property would be used to recover the maximum amount achievable, less any costs, to repay what is owed to investors. You should be aware that there are many factors that can impact the recoverability of the maximum security amount, including market fluctuations and general economic factors. For this reason, each loan application will be assessed on a maximum Loan to Value

11.What is the minimum amount I can invest?

The minimum investment amount is currently £250. Please read the Risk Warning carefully on the platform and if you cannot afford to lose your investment, you should not invest.

12. How will my investment be used?

That depends. Each loan opportunity will be different although they will all be property related. The loan will be used by the borrower for the reasons stated in the loan opportunity. For example, one loan may be used to fund a Below Market Value property purchase whereas another may be used for a property conversion project.

13. Why is the platform designed for High Net Worth (HNW) and Sophisticated investors?

We aim to protect lenders and treat all of our customers fairly. Because of this the platform has been designed for High Net Worth (HNW) and Sophisticated investors who are better placed to understand the risks involved with this type of lending.

14. Will I earn interest when my money is held in your client account?

No. All interest earnt on our client account belongs to Sourced.

15. Are Sourced regulated?

Yes. Sourced is an Appointed Representative (ref no. 826510) of Ltd, a firm authorised and regulated by the Financial Conduct Authority (FCA) under firm registration number 656344.

16. Will I be able to monitor my investment?

Yes. Every investment you make will be visible using your online investment dashboard through the platform. You will be able to see what you have invested in, as well as the performance of your investments to date.

17. Can I take back my investment at any time?

No. Once your investment has passed the statutory 14-day Cooling-Off period your investment has been committed and will only be returned if the loan opportunity does not fully fund.

18. How quickly will I see a return on my investment?

Interest on your loan investment will be paid at the end of the loan term after the borrow of your money has repaid the amounts due.

19. What returns can I expect?

That depends. Typically, you can expect to earn between 8-12% interest per annum on your loan investment. The rate of return will depend on a number of factors, including the type of scheme the loan is being used for and the risks involved. All expected returns will be clearly stated on each loan opportunity.

20. Is the interest that I earn taxed?

No. The interest you earn is paid gross of tax, which means you are responsible for declaring this income and your own tax affairs. We advise you to seek independent professional advice on how to do this if you are unsure.

21. What process do you have if I pass away during the investment term?

In this circumstance your investment would remain intact and will be administered in accordance with your original agreement. However, we do request the executor of your estate contact us to discuss this process in more detail.

22. Is my credit file viewed as part of the sign-up process?

No. As part of your registration with the platform we require you to undertake certain accreditation steps. One such step involves us verifying who you are, which involves us checking your ID and Proof of Address against national and international databases. We are also required by law to ensure you are not on any Politically Exposed Persons (PEP) or Sanctions lists. We used a third-party provider for these checks, and at no time do we view your credit file. We do save a record of all the checks we make, and this information is processed under General Data Protection Regulation (GDPR).

23. Where is my money held once I invest?

All unallocated money you invest is deposited in to a designated client account and is held on trust by Barclays Bank Plc.

24. Is investing in a development opportunity different to a buy to let?

Yes. Each loan opportunity will be different although they will all be property related. Some loans will be more straightforward than others and will offer different risks. The particulars of each loan will be clearly detailed in each loan offering, and you must ensure you read and have fully understood the details before deciding to invest. We always advise that you undertake your own due diligence on any investment you make.

25. Is there plans to add a secondary market?

No. There are currently no plans for a secondary market on the platform as we feel the average investment term of 6-18 months is flexible enough should you decide you want to exit your investment early.

26. How do I make a complaint?

If you would like to make a complaint, please send us an email to In your email, please provide us with as much detail as possible regarding your complaint, and the relevant transaction that the complaint relates to. Alternatively, you can also submit your complaint via telephone or by post. You can find our contact details under the Contact Us menu of the website.


Upon receiving your email regarding the complaint, we will attempt to acknowledge receipt of the complaint within 24 hours. Acknowledgement of your complaint might take longer if it is received by post.

We will seek to come back to you in relation to the complaint, or with any questions that we may have, within 5 business days. If a decision is required by Sourced in relation to the complaint, we will endeavour to provide a final determination within 30 days.

27. How does Sourced make its fees?

We act as a credit broker through the platform by matching and introducing borrowers and investors. As part of our services we also administer your loan investment, which includes facilitating payments, collecting payments due and onward distribution of funds to you. For these services we charge the borrower certain fixed and variable fees.

28. What happens if Sourced Capital Fails?

Sourced Capital have a Wind Down and Business Continuity Policy with Rebuilding Society (

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