First you will need to register with us. We ask you to complete our Lender Registration Form and then we carry out the usual Know Your Customer and Anti-Money Laundering checks. You will be asked to approve the Lender Terms & Conditions (a copy of which can be viewed and downloaded- see Home Page). And also to approve the standard form Loan Facility Agreement (also downloadable) which is provided to show a sample of the contract between an individual lender and the Borrower. You will also be required to sign a limited Power of Attorney (PoA) which gives us authority to novate on your behalf (and transfer to you) a Loan Part for a successful auction bid. Once your account has been approved, you may fund your Relendex Lender Account by making a bank transfer to our Custodian Bank clients’ account. Once you have funded your account, you will be able to make a bid or bids on the Exchange. See Lender FAQ for further details.

If you call our Lender Support Helpline on 020 7729 0070 we can talk you through the process, which can be completed in a few minutes.
You would visit the Marketplace and see listings of Borrower Requirements. These set out summary details of each loan, including the property name, risk rating, loan amount, term, Loan to Value, interest rate and other details.

If you see a loan that you consider appropriate, you can click on the listing and see more detail about the property and the loan in three separate pages. These pages are: Loan and Key Property Details; Location and Description Details; Tenancy Details. Lower down each of these pages (on the left hand side) you can see a section called ‘Current Bidding’ that shows live bid amounts and interest rates. You can also see (on the right hand side) a section called ‘Make a Bid’ that summarises your account balances and the auction parameters. You may place a bid here.

If you have any doubts about how to enter the auction or place a bid, please contact This email address is being protected from spambots. You need JavaScript enabled to view it. or call our Lender Helpline on 020 7729 0070.
These are bids you place yourself during a live auction. For a Dynamic Auction you can either set a single interest rate or a range. You bid the amount that you specify by completing the ‘Amount’ box in the ‘Make a Bid’ section. For a Set Rate Auction (SRA) the interest rate is pre-set.
When you set a range of interest rates in the ‘Make a Bid’ section in a Dynamic Auction, you are asking the trading platform to bid within that range to keep you in the winning frame in one particular auction. The system will continue to honour your instruction till either your range has been exceeded (because rates in the live auction have eliminated your lowest interest rate bid) or the auction has closed and your bid is a winning bid. Auto-Bids are debited to a lender’s main account.
An AutoLending instruction is an instruction by a prospective lender to the trading platform to bid automatically on all loans that meet his defined lending criteria. These criteria include an interest rate range by risk category, choice of risk category/ies and the absolute amount that the lender is prepared to lend on any single loan.
An Auto-Bid instruction applies to a single Dynamic Auction where the prospective lender sets an interest rate range for his bids that will be placed automatically by the trading platform. An AutoLending instruction is an instruction by a prospective lender to the trading platform to bid automatically on all loans that meet his pre-set lending criteria until his funds in his AutoLending account are fully utilised. Criteria selection is based on a selected risk category, interest rate range for a selected risk category and a maximum amount that the lender is prepared to lend on any single loan in a selected risk category.

AutoLending instructions will also apply to Loan Parts that are re-sold from time to time through the Re-Sale Marketplace. Any AutoLending instructions whose criteria match a Loan Part resale lot, will be automatically taken up.
As a Lender you can view a range of secured loans and select those that match your target return and risk profile. You decide how much to allocate to each lending opportunity and what interest rate you are willing to accept – so you only take the opportunities that work for you.

If an auction is 100% filled with time still remaining, you may still enter a bid and outbid other lenders by offering more attractive rates for the borrower.

Auctions run for a specified time, which may be extended if necessary until fully funded.

When the auction closes, the lowest interest rate bids that collectively fulfil the loan are automatically selected and (if successful) you get the interest rate that you have bid.
Some of our auctions are Set Rate Auctions where the interest rate is fixed before the auction starts and as a lender you can bid the amount of the loan you want. When the loan is 100% filled the auction closes.

Important Notice


Relendex Limited is regulated in the United Kingdom by the Financial Conduct Authority and entered on the Financial Services Register - FRN 723117.


Lenders participating in these arrangements should be clearly aware that any sum lent through the Exchange is a loan and not a deposit and its repayment is not guaranteed. It is in the nature of an investment opportunity. Any investor should consider an appropriate spread of risk. Non-institutional investors should seek professional advice before lending through the Relendex Exchange.
View Notice in full


Relendex Limited is registered in England, Company Number 07486328 Registered Office: Ground Floor, 45 Pall Mall, St James’s London, SW1Y 5JG


Relendex Limited is registered under the Data Protection Act, Registration Number PZ2708231



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