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BORROWER QUESTIONS

Q. What does Relendex stand for?
A. Relendex stands for Real Estate Lending Exchange.

Q. Is Relendex regulated?
A. Relendex Limited is regulated in the United Kingdom by the Financial Conduct Authority (‘FCA’) under the ‘transitional permission’ provisions for Peer to Peer lenders.
Relendex PCC Limited (“PCC”) is not regulated in Guernsey by the Guernsey Financial Services Commission (“GFSC”). Accordingly, Relendex PCC Limited is not subject to any rules or guidance produced by the GFSC (except in respect of anti-money laundering and countering the financing of terrorism).

Q. Will I be able to claim against the authorities if something goes wrong?
A. Potential lenders and borrowers should also note that they may bring a complaint against Relendex Limited to the FCA and the Financial Ombudsman Service (‘FOS’) but will not be able to bring any complaint concerning Relendex Limited to the GFSC nor claim compensation from the Financial Services Compensation Scheme (‘FSCS’). Potential lenders and borrowers may not bring a complaint against Relendex PCC Limited to the FCA, the FOS or the GFSC or claim compensation from the FSCS.

Q. What kind of loans are available?
A. We arrange short and medium term senior and mezzanine finance from £100,000 to £2million for commercial property investments, residential investments and owner-occupied commercial properties.

Q. So how does Relendex make its money?
A. Relendex PCC charges a quarterly interest spread depending on the type of loan and the interest rate charged. Relendex charges borrowers an arrangement fee as a percentage of the value of the loan. In some instances an exit fee is chargeable to the borrower upon repayment of the loan.

Q. Is this only an on-line exchange?
A. You can complete our on-line application form for your financing or refinancing requirements, or over the phone by providing details to one of our experienced account handlers. The auction itself occurs on-line and matches a Borrower requirement with multiple Lenders.

Q. Do you lend on residential assets?
A. Yes, we arrange funding for residential investments and some developments, but not owner-occupied property.

Q. What other types of assets do you lend against?
A. Relendex arranges funding for income-producing commercial properties including offices, industrial, leisure and retail. We will also consider some development propositions

Q. How will you decide if Relendex is prepared to post my loan requirement on the Exchange?
A. We will do a first-filter based on the initial information you provide. We will request a Professional Valuation and Certificate of Title. We will do an interest cover calculation to ensure that rents cover the quarterly interest payments and any amortisation (partial repayment of principal during the term of the loan). Once we are happy with these, we will agree loan terms with you and you will be asked to sign a Term Sheet and pay the commitment fee. Your loan will then be listed on the Exchange. All supporting documents including tenant schedule, details of tenant covenants will be placed in the Virtual Data Room and viewable by all prospective lenders.

Q. Is the commitment fee refundable?
A. The commitment fee would only be refundable for a borrower requirement posted as a Dynamic Auction, if the Bid Reserve rate was not met and/or the loan amount was not fulfilled during the agreed auction period. For Set Rate Auctions, the commitment fee would only be refundable if the loan amount was not fulfilled during the agreed auction period.

Q. Is an arrangement fee payable?
A. Yes, this is agreed with the borrower and is set out in the Term Sheet. The commitment fee is a sum paid on account of the arrangement fee.

Q. When does an auction end?
A. When either the auction period has expired or the loan has been fulfilled in a Set Rate Auction. In the case of a Dynamic Auction, a loan closes at expiry of the auction or earlier if the borrower agrees when the Reserve Bid rate has been met and the loan amount fulfilled.

Q. How do I contract with the Exchange and the lenders?
A. You are as a borrower bound by the Borrower Terms & Conditions shown on the Relendex website and will be required to formally agree to these before your borrower requirement can be posted on the Exchange. This is a downloadable pdf document. In addition, you will be required to sign a Facility Agreement and security documents including a Charge document. A copy of a standard Facility Agreement and a First Charge document are displayed in the Virtual Data Room. You should read these documents carefully and where necessary, take independent professional advice.

Q. What responsibility do I have for the information I provide about a loan requirement?
A. You will be required to warrant that all the information you have provided is accurate and not misleading. You will be asked to formally approve all of the Auction Particulars (as defined) that are to be posted on the website related to your particular loan. Relendex does not take responsibility for the Auction Particulars and Lenders will rely on the accuracy and completeness of information that the borrower provides.

Q. What is a Dynamic Auction?
A. A Dynamic Auction is one in which bidders choose the interest rate they want and the lowest interest rate bidders that collectively fulfil the borrower requirement, win. Borrowers can decide if they prefer a Dynamic Auction or Set Rate Auction.

Q. What is a Set Rate Auction?
A. A Set Rate Auction is one in which the interest rate is defined at the beginning of the auction and lenders bid only the amount they are willing to lend in that particular auction. Borrowers can decide if they prefer a Dynamic Auction or Set Rate Auction.

Q. Is the interest rate that I pay fixed or floating?
A. Once the auction is closed you pay a fixed interest rate throughout the loan term.

Q. Can I repay my loan early?
A. Yes, you can repay your loan before the end of the loan period but if you do so, penalties will apply. These are loan specific and are set out in the Facility Agreement.

Q. What happens if you don’t get sufficient bids or the interest rate bids are too high?
A. If at the end of the auction, insufficient bids have been received or, in the case of a Dynamic Auction, the overall interest rate exceeds the rate agreed with a borrower, the borrower is free to seek funding elsewhere. The commitment fee is then refundable.

Q. Once I agree the loan terms with you, am I committed to go through with the loan?
A. Provided interest rate bids are collectively at or below the agreed maximum you will be committed. If the exchange doesn’t receive enough bids to meet your requirement, you are free to seek funding elsewhere.

Q. How does the auction take place?
A. This is an automated process that matches the Lender bids that collectively meet a Borrower requirement for a particular loan. In a Dynamic Auction the lowest interest bids win. The auction may last up to 14 days. But if the requirement has been fulfilled earlier and the aggregate interest rate is acceptable to the Borrower, the auction can be closed sooner. In a Set Rate Auction the auction closes when the total bids (at the defined interest rate) equal the Borrower requirement.

Q. What costs are associated with the transaction?
A. The Exchange levies the following charges:

An arrangement fee for a successful auction.
Valuers fees.
Solicitors and other professional costs.

Q. How will I know if my loan has been filled?
A. You can follow the auction on-line in real time. We will also notify you by email when the auction is closed.

Q. What happens once the auction has been successful and my loan requirement is met?
A. Relendex will instruct the appointed solicitors to carry out the remaining legal due diligence on behalf of the lender group. Once the solicitors are satisfied and the conditions of the Loan Offer have been met, you will be required to sign the agreed Loan Documentation and pay the balance of the arrangement fee. The loan funds will then be available for drawdown.

Q. Are the Loan Documents standard?
A. Yes, they are based on key clauses from the Loan Market Association (LMA) standard documents. The LMA is the recognized European authority for commercial loans of this nature.

Q. Who are the Solicitors and Valuers that will act for the successful Lender group?
A. Relendex will appoint a Panel of leading UK firms of Solicitors and Valuers. The firms who will act in relation to any particular loan will be selected from this Panel.

Q. Who do these Solicitors and Valuers act for and who pays them?
A. Appointed Solicitors and Valuers act for lenders and their fees are paid for by the borrower, in the same way that a bank lender would expect these fees to be paid.

Q. Is this only an on-line exchange?
A. You can complete our on-line application form to be a Borrower, or over the phone by providing details to one of our experienced account handlers. The auction itself happens on-line in order to match a borrower requirement with multiple lenders.

Lender Questions

Q. What does Relendex stand for?
A. Real Estate Lending Exchange.

Q. Do you lend on residential assets?
A. Yes, we arrange funding for residential investments and some developments, but not owner-occupied property.

Q. Should I seek professional advice before I lend?
A. Potential lenders and borrowers should also note that they may bring a complaint against Relendex Limited to the FCA and the Financial Ombudsman Service (‘FOS’) but will not be able to bring any complaint concerning Relendex Limited to the GFSC nor claim compensation from the Financial Services Compensation Scheme (‘FSCS’). Potential lenders and borrowers may not bring a complaint against Relendex PCC Limited to the FCA, the FOS or the GFSC or claim compensation from the FSCS.

Q. Are the sums I use to fund my account treated as deposits?
A. Any sums lent through the Exchange are loans and not deposits. There is no guarantee that Lenders will be repaid the amount of their original loan, nor any interest on that loan. The past performance, including the rates of default, of loans made to borrowers via Relendex should not be viewed as a guide to future performance.

Q. Should I consider spreading my risk by buying a number of Loan Parts in different loans?
A. Lenders who lend to a single borrower, or a small number of borrowers, should particularly bear in mind the risks of a borrower default and resulting need to enforce and realise security. Accordingly, lenders should consider an appropriate spread of risk.

Q. Is my money safe?
A. Client funds are held by our Custodian Bank the Royal Bank of Scotland International, Guernsey in a segregated Client bank account. Drawdown of funds for a particular loan will be directly from the Custodian bank to the appointed firm of solicitor acting for the lender group. Movement of funds can only be authorised by the Licensed Fiduciary (Confiance Limited) who are licensed by the Guernsey Financial Services Commission.

Q. What kind of loans are available?
A. We will provide senior loans, bridging and mezzanine loans.

Q. What is a senior loan?
A. Senior loans are those that have the benefit of a first charge or mortgage over the asset provided as security. Senior lending serves to refinance loans up to 70% LTV. In most instances this covers the entire refinancing needs of the borrower.

Q. What is a bridging loan?
A. A bridging loan is a short term loan, usually between 6 and 18 months. Relendex take a first charge over a property asset as security for the loan.

Q. What is a mezzanine loan?
A. Mezzanine loans are loans whose security is subordinated to senior loans, in other words mezzanine loan security ranks behind senior debt security, so that in the event of default the senior lenders are paid out first and mezzanine lenders are paid after them. Mezzanine lending therefore has a higher risk profile than senior lending.

Q. For what periods can I lend money?
A. We arrange Senior loans (supported by a first legal charge on the property) for periods from 1 year to 5 years. We will later arrange mezzanine loans.

Q. What is the difference between these loan types?

A. Senior loans are typically for 1 year to 5 years and hold a first charge or mortgage over the property.
Mezzanine loans are typically for 1 year to 5 years.

Q. How do I bid on a particular loan requirement?
A. First you will need to register with us. We carry out the required Anti-money laundering checks. Once approved, you may fund your Relendex account by making a bank transfer to our Custodian Bank clients’ account. (This account is under the control of Confiance Limited, a Guernsey licensed fiduciary). Once you have funded your account, you will be permitted to make a bid or bids on the Exchange.

Q. How do I begin to bid?
A. 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, average interest rate and other details.
When you view a loan that you consider appropriate, you can click on the listing and see more details 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 7483 3456.

Q. What are Manual Bids?
A. These are bids you place yourself during a live 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.

Q. What is an Auto-Bid?
A. When you set a range of interest rates in the ‘Make a Bid’ section, 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.

Q. What is AutoLending?
A. An AutoLending instruction is an instruction by a prospective lender to the trading platform to bid automatically on loans that meet his pre-set 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.

Q. What is the difference between an Auto-Bid instruction and an AutoLending instruction?
A. An Auto-Bid instruction applies to a single 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 Part that are resold from time to time through the Resale Marketplace. Any AutoLending instructions whose criteria match a Loan Part resale lot, will be automatically taken up.

Q. What are Loan Part resales?
A. Once the Resale Marketplace is live (by Q3 2014) a lender will be able to resell Loan Parts that he/she owns, on a matched-bargain basis. Loan Parts that are resold will either be acquired by new lenders who bid manually to acquire them, or by AutoLenders whose lending criteria are matched with Loan Parts that meet their lending criteria. Initially, Loan Parts will be sold at par, but later may be sold at a premium or discount to the original cost (less any repayments). Loan Part will not be eligible for resale if either, the loan of which it forms part is within 6 months of expiry or where the loan is in default or potential default.

Q. Will I be able to resell my Loan Parts?
A. Once the Resale Marketplace is live (by Q3 2014) a lender will be able to resell Loan Parts that he/she owns, on a matched-bargain basis. Initially, Loan Parts will be sold at par, but later may be sold at a premium or discount to the original cost (less any repayments). Loan Part will not be eligible for resale if either, the loan of which it forms part is within 6 months of expiry or where the loan is in default or potential default.

Q. So these loans have different risk profiles and presumably different interest rates?
A. In the current climate senior debt will typically pay (the lender) between 5% and 10% per annum, mezzanine and bridging loans will be priced between 10% to 18% per annum. These different interest rates reflect the different risk profiles of different loans and different security.

Q. Is the interest rate that I received fixed or floating?
A. Once the auction is closed you receive a fixed rate of interest throughout the loan term.

Q. Am I liable for tax on the interest I receive?
A. Yes, in the UK you would be liable for income tax on the interest that you receive as a lender. Lenders can obtain online reports from Relendex of income and deductions in any tax period. Relendex is required by the UK tax authorities to deduct withholding tax (“WHT”) at the rate of 20% on interest paid to individual lenders. Relendex is not required to deduct withholding tax on interest paid to companies that are subject to UK Corporation Tax. UK individual lenders may treat the WHT that has been deducted as a tax credit against their overall income tax liability in any particular year.

Lenders who are taxable in some other jurisdictions may also be able to claim a tax credit for withholding tax that has been deducted. Lenders should seek independent professional advice in assessing their liability to taxation in the relevant jurisdiction.

Q. What is the Loan Structure?
A. The successful lender group (in the auction) that meets the borrower requirement becomes the lender group for a particular loan. The lender group lends to a new cell of a Guernsey registered Protected Cell Company, called Relendex PCC Limited. A Protected Cell Company is a legally recognised structure that allows the creation of individual ‘cells’ where each cell is separate and distinct from all others. The assets and liabilities of a cell are ring-fenced from the assets and liabilities of all other cells. This structure is a tried and tested structure for keeping groups of lenders or investors separate from other groups.

Q. Who am I lending to and how do I contract with the borrower?
A. As a lender being part of a successful lender group, you will lend to a new cell of Relendex PCC Limited. The Company was established in Guernsey for the purpose and the creation of which required the consent of the Guernsey Financial Services Commission. The new cell of Relendex PCC Limited then lends on the same amount to an Ultimate Borrower. The cell then takes security over the borrower’s asset, held in trust for the benefit of the lender group. Each lender contracts (via the Exchange) with Relendex PCC Limited and the terms and conditions of that agreement are mirrored in the obligations of the Ultimate Borrower to the PCC as set out in the Facility Agreement.

In order to become an approved lender, you must formally accept – by ticking the appropriate box, the Lender Terms & Conditions. In order to bid on the Exchange you must formally accept - by ticking the appropriate box, the PCC Loan Conditions.

The Lender Terms & Conditions and PCC Loan Conditions are viewable on the Relendex website and are downloadable as PDF. The standard Facility Agreement and First Charge document are viewable in the Virtual Data Room. You should read these documents carefully and where necessary, take independent professional advice.

Q. How does the security work?
A. The PCC cell (see above) takes security on behalf of the lender group. This could be a first charge (mortgage) for senior loans, or a second charge in the case of mezzanine loans, over the property asset.

Q. What responsibility does Relendex take for information posted about a particular loan requirement?
A. Borrowers are required to warrant that all the information they have provided to the Exchange is accurate, complete and not misleading. They are asked to formally approve all of the Auction Particulars (as defined) that are to be posted on the Exchange related to a particular loan. Relendex does not take responsibility for the Auction Particulars and Lenders must rely on the accuracy and completeness of information that the borrower provides, as well as professional reports (including Valuations and Certificate of Title) addressed to the successful lender group.

Q. Who do the appointed professionals act for and to whom do they owe responsibility?
A. Solicitors appointed from a Panel act directly for the successful lender group. Valuers also act directly for the successful lender group. Lenders may rely on these and other professional reports and in the event of an error have direct recourse against a particular professional, including recourse to their Professional Indemnity insurance.

Q. What is meant by portfolio risk spread?
A. Relendex provides the exchange through which Lenders are matched with Borrower requirements. A Lender’s first priority should always be capital preservation, i.e. Lenders should always seek to protect the principal sum that they lend. It is prudent for Lenders to spread the risk by deploying their available resources across a number of different loans to different Borrowers. They can also spread in other ways - by location, by loan size, by asset type (retail, leisure, offices, residential, industrial) and by tenant and tenant diversity.

Q. What is meant by diversification?
A. Diversification means the ability to spread risk by investing in multiple different categories. These categories may include: loan type, different borrowers, loan size, Loan to Value, location and tenant. Diversification may or may not be available at any particular time through the trading platform.

Q. How else can I reduce the risk?
A. Senior loans are lower risk than mezzanine loans because a senior loan takes the first charge over the property asset. Lenders should also be aware of the percentage of Loan to Value (LTV). Higher LTVs are more risky than lower LTVs because the lower the LTV, the more 'equity' there is in the transaction. All of the ‘equity’ has to be eroded before a lender suffers any loss. Lending 10% of a loan requirement is less risky than lending 80% of a loan requirement. Because if the borrower were to default, the less the lender could lose in absolute terms on that single loan. A lender would be prudent not to put the whole sum into a single loan. Obviously, these are all matters for each Lender and his/her own judgment. Any Lender not sure of how to allocate funds should seek independent professional advice.

Q. Is Relendex guaranteeing these loans?
A. Relendex is a broker/facilitator. It does not guarantee any loans. It brings together and presents all the information so that a Lender can decide in which loans he wishes to participate, using his/her own judgment.

Q. Can I rely on the Risk Rating as a guarantee of quality?
A. Risk Ratings are provided as a guide only to relative strength of a particular loan requirement as compared with other loans. These ratings do not provide an absolute measure of financial strength or the ability of a borrower to pay interest or repay the loan at the end of the term. We set out in the Risk Rating section an explanation of the composition of the elements taken into account in arriving at a particular rating. These include mathematical calculations and others based on more subjective criteria such as competence of management, local market conditions and local letting market. A weighting is applied to the ‘score’ for each element. The Relendex exchange offers a transparent process, so that prospective lenders can review details of all loans on a full disclosure basis and make their own judgment about their suitability. Prospective lenders should review all the documentation relating to a particular loan in the Virtual Data Room before bidding and where necessary should seek appropriate independent professional advice. Relendex, acting as introducer, does not accept responsibility for any loss incurred on any loan.

Q. How does the auction take place?
A. This is an automated process, using the Internet and Relendex’s trading platform. It matches those Lender bids that collectively meet a Borrower requirement for a particular loan. In the case of Dynamic Auctions, the lowest interest bids which collectively fulfill the loan requirement win. In the case of Set Rate Auctions, an interest rate is defined at the start of the auction and lenders decide how much of the loan they wish to bid for.

Q. How do I bid on a particular loan requirement?
A. As an Approved Lender you would enter the Marketplace and you would then look at a particular listing on a ‘Borrower Requirement Page’ and view a loan that you find of interest. You will be able to view details including loan term, target interest rate set by the borrower, a Loan to Value ratio and interest cover. You can also view details of the asset, tenants, a full tenancy schedule, leases and rent reviews from which you will be able to assess the quality of the rental income.

You will also be able to look at the supporting documents in the Virtual Data Room including a Professional Valuation, Tenant Schedules, other professional reports and information about the borrower. You can then scroll down to the ‘Make an Offer’ section. You can then view a list of all other bids that have been placed so far in the live auction. Also shown is the progress in the auction in meeting the total borrower requirement. The boxes in this section will allow you (as an approved Lender with funds deposited with our Custodian Bank) to enter the amount you want to lend and the interest rate you would ideally want. You will then be able to click the button ‘Make an Offer’ and your bid will be recorded in the live auction. You will be asked to confirm your bid by entering your Personal Identification Number (“PIN”).

Q. Do I need to deposit funds with Relendex before I can bid?
A. Funds will need to be lodged with our Custodian Bank the Royal Bank of Scotland International, Guernsey, before you can bid in an auction for a particular loan. Once you make a bid, your bid sum will be blocked at the Custodian Bank pending the outcome of the auction. If your bid is successful, your funds will be allocated to the successful lender group associated with that particular loan. If unsuccessful, your funds will be unblocked and available to you to bid in other loan auctions.

Q. Can I withdraw my bid once made?
A. Once committed, a bid stands and cannot be withdrawn. A lender’s funds are blocked for the bid sum until the auction ends. If the bid is successful a Lender’s funds move to a designated account to provide the drawdown of the loan once final due diligence is completed.

Q. If I see that other lenders are bidding lower interest rates than I have, can I change my bid?
A. Yes, you can reduce the bid interest rate (but not raise it) while the auction is live.

Q. How will I know if my bid has been successful?
A. We will notify you by email. You will be able to see your bid listed in the live auction listing. Your user name will be displayed together with the bid amount and interest rate and the time of your bid. You will be able to see if it is within the winning group.

Q. Who are these solicitors and valuers?
A. Relendex will appoint a panel of leading UK firms of Solicitors and Valuers from our Panel of selected firms.

Q. How will I know what rate I’m getting?
A. The Lender screen will show the net interest rate payableto a Lender.

Q. When is my interest paid?
A. Interest is normally paid quarterly for each loan directly to your nominated bank account.

Q. What happens if the borrower doesn’t pay?
A. We will notify you if there is a Borrower interest payment shortfall and the reason for it. If it is a temporary problem which can be resolved no default will occur. If it is a more serious problem Relendex will, based on advice, propose various courses of action to Lenders including the appointment of an Law of Property Act (LPA) receiver and the sale of the property. Lenders will vote online as to their preferred course of action. A Resolution (either Ordinary or Extraordinary) will be put to the lender group proposing a particular course of action. This action will be carried out unless more than 50% as to value of the participants in a loan (in the case of an Ordinary Resolution) or 25% as to value (in the case of an Extraordinary Resolution) vote against the resolution.

Q. Will larger lenders in a particular loan have more power in taking decisions?
A. In the event of a default or other key loan event, lenders will be asked to vote on a particular resolution or resolutions. The result of voting on a particular resolution (relating to one particular loan) will be calculated by reference to the value of a lender’s loan part relative to all other lenders’ loan parts in that particular loan.
Lenders should be aware that large lender participants in a particular loan will have more voting power in voting decisions taken. Smaller lenders will have less voting power and they may not agree with the decision taken by the majority but will nevertheless be bound by those decisions.

Q. What happens if a borrower repays his loan early?
A. If a borrower repays his loan before the end of the loan period, as a lender you will receive your proportion (based on the original value of your Loan Part) of the sum repaid. The borrower will also be charged a penalty depending on the time that remains until the loan end date. These penalties are loan specific and are set out in the particular Facility Agreement. Lenders receive a proportion of the penalty amount to compensate them for early termination of the loan. Lenders share of the penalty sum received is calculated by reference to their contracted interest rate as compared to the borrower interest rate. So that if a lender receives an interest rate of 6% pa and the borrower pays 7% pa, then a lender will receive six-sevenths of his proportion of the penalty sum received. (The difference between the two rates in this example is the Relendex interest rate spread).

The list of questions and answers above is provided as a guide to how the Exchange operates. None of the content of this page should be construed as legally binding on any party. Borrowers and Lenders should refer to the detailed Terms & Conditions that are provided when they make a formal commitment to either borrow or lend funds through the exchange. Formal loan documentation and security documentation shall always take precedence over this website or any other notice.

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