Rating based on 44 reviews

HNW Lending


  • Peer-to-peer loans up to £3,000,000
  • Flexible financial solution
  • Lower interest rate

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HNW Lending homepage

Author HNW Lending. Screenshot of HNW Lending website. [Accessed September 5, 2019]

About HNW Lending

HNW (high net worth) Lending is a peer-to-peer lending business.

We are the bridge between businesses and individuals looking to invest and businesses and individuals looking for business loans for their projects. Therefore, we connect people to help them to achieve their goals.

Asset-based lending

We have arranged more than 250 loans during the 3 plus years that we have been trading so you can trust in our experience and service. Loans start from £30, 000 to £3 million. We facilitate the process of investors lending to borrowers by following the asset-based loan model. What this simply means is that when a borrower accepts an online loan from an investor, the borrower needs to put up an asset that they own as a form of security for the loan.

Assets that can be used as security

Examples of such assets include real estate, jewellery, luxury cars, boats, yachts, antiques, pensions, shares, fine wines and even stamp collections. However, this list is not exhaustive. We will consider any asset so long as it holds enough value to cover the loan amount. Furthermore, if you have assets outside of the UK, we can still arrange for loans to be taken against such items.

HNW Lending Services

When you hand over your assets to us, we ensure to take the utmost care of them during the period that they are held as security against your loan.

We will organise safe storage as well as insurance for your items until the duration of the peer-to-peer loan comes to an end. Should you require it, we will also happily assist with transporting your items.

Guaranteed access to funds

Once your request for a loan has been posted on our website, we guarantee you that your project will be funded because we have a pool of money from our investors and founders available immediately to fund projects. Therefore, as long as all the conditions outlined in the offer letter are met, you can expect us to keep this promise to you.

Fast loans

We know how valuable your time is to you, therefore we work tirelessly to ensure that your needs can be met as soon as possible. So as a rule, we strive to make sure that a quick loan offer can be made within a few hours after a completed application form is received and loans are completed within 1-2 weeks after the loan offer has been made. Our process is designed to be timeous; some loans can even be completed on the same day or the next.

HNW Lending Product Details

  • Loan Type Peer-to-peer loans
  • Loan Amount up to £3,000,000

Summary of Services

  • Reliable 
  • Fast and easy application form
  • Discreet

We give you true flexability with our peer-to-peer lending service

Unlike traditional lending institutions, we can offer you more flexibility, whether you are an investor or a borrower

This allows us to give you what you are looking for faster, with fewer restrictions placed on you. No matter your credit score, we can still help.

The investment options

Lenders have complete control over which investments they want to participate in. We have automated online tools at your disposal to make managing your investments a breeze. Signing up is free and you will be able to see all loans available, as well as all documentation (, accompanying each loan. If you find something you want to invest in, you have the option to use our online platform or you can contact our offices.

We co-invest with you

Each lender needs to put up at least £10, 000 for each loan he/she wants to fund. For loans in which there isn’t a single investor willing to fund the entire personal loan but rather, multiple investors are contributing to one loan. Directors will invest a portion of the loan and will assume first loss’ should the loan default. Consequently, this offers some protection to investors as our Directors will lose money before investors.

The benefit of our service

However, we believe that our experience, customer service, loan-to-value ratio and the type of assets that we accept for securing your loan enables us to carefully analyse and select each loan to ensure that we reduce the risk of you losing capital.

Customer Reviews & Testimonials

January 2019

The journey I have walked with HNW Lending is amazing this lender has become a member of the family because of their neutrality, reliability and low rates

Isaac B
— Birmingham —

February 2019

Simple and short online application

Amber S
— London —

June 2019

Excellent customer service

Noah P
— York —

March 2019

I was very happy with the service I receive from HNW

Thomas J
— Oxford —

HNW Lending Contact Details

Physical Address

  • 72 Charlotte St, Bloomsbury London England W1T 4QQ United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 08:30 – 17:30
  • Saturday – Closed
  • Sunday – Closed