Kuflink Account Information

Kuflink Account Information

Updated July 1st 2019

 

Detailed Account Information & Screenshots

 

First Investment Date          – June 2018

Initial Investment Amount  – £500

Total Added                          – £6,750.00

Total Withdrawn                   – £0.00

Invested Currently               – £7,250.00

Current Account Balance   – £7,455.14

 

Total Interest Return           – £205.14

ROI% (per lender)                – 7.00% 

XIRR                                     – 6.93% 

 

 

See My Full Kuflink Review Here

 

My Kuflink Actual Account Growth & Income Charts

 

 

 

Each month I send out an update on all of my Peer to Peer lending accounts. Below are the excerpts specific to Kuflink.    Click here for all lender updates

 

June 2019 Monthly Update

 

KUFLINK

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Kuflink Account Screenshot for June 2019 Peer to Peer Lending Update 3

 

 

Kuflink’s loan flow keeps on bringing the low LTV loans. They do huge due-diligence on them so the loans are just so well documented. I sent another £500 over to them in June so I could invest in some of the new loans which came out.

June was the 1 year anniversary that I invested my first £500 in Kuflink’s 1 year auto-invest account so the capital and interest was repaid this month (it’s only paid back annually in the auto-invest accounts). I also received some repayments on some other self-select loans which repaid this month.

Finally we can see the sort of returns we are really getting from Kuflink, although remember the interest on the auto-invest account when I invested was a lot less than the select-invest loans I’m investing in now, so I only expect that to continue to grow. The XIRR went from 4.71% in May to 6.93% in June. I expect it to be well over 7% in the next couple of months. 

Kuflink really are a very good option for lower risk – higher return investments in my opinion. I’ll be shooting more money over to them as more loans come out as I have done for the past year. They are one of the lenders that I will be increasing my account balance with substantially over the coming months.

I picked up a few more low LTV loans in June as you can see in the screenshot below. I’ve started to put larger chunks of capital into the lower LTV loans now, you’ll see notice I have £530 invested into a 50% LTV loan.

Looks like bad diversification but at 50% LTV, if the loan defaulted, the property would need to lose 50% of it’s value before I lost a penny. On top of that, Kuflink have 5% “skin-in-the-game” on a first-loss basis, so really the property would need to lose a total of 55% of it’s value before I would lose money. That didn’t even happen in the 2008-2009 financial crisis so it’s really unlikely. And if it did, I think there would be a lot more to worry about than the £500 invested in that. 

 

Kuflink Account Screenshot for June 2019 Peer to Peer Lending Update 2

 

When you look at the account dashboard (first screenshot) you’ll notice it doesn’t match the numbers on the Peer to Peer Lending Results Page. It’s something that could be improved. However if you want to see your net account worth, just click on the “Show More” link on the “My Transactions” section and you get the statement below which gives a better calculation.

 

 

Kuflink Account Screenshot for June 2019 Peer to Peer Lending Update 1

 

Kuflink have a wonderful cashback offer right now which is well worth taking advantage of if you are thinking of investing with them.It equates to 10% at the lower level, and 5% cashback when you get to £5000. Not half bad for asset secured loans with these kind of low LTV’s.

£50 cashback for £500 – £999.99 investment

£100 cashback for £1000 – £4999.99 investments –

£250 cashback for £5000+

Click Here to take advantage of the Kuflink cashback offer.

 

 

 

 

May 2019 Monthly Update

 

KUFLINK

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See Screenshots & Detailed Monthly Updates From My Kuflink Account

Kuflink Returns Account Screenshot for May 2019 Update 1

 

 

Kuflink seems to keep up a positive loan flow. Their loans are just so well documented and they do huge due-diligence on them.

The XIRR on Kuflink rose a bit more this month from 4.36% last month to 4.71%. Interest is coming in more frequently now, plus I’ve had capital & interest paid back from some of the earlier loans I got into.

One thing I sometimes forget to point out is that some Kuflink loans pay interest at the end of the loan period, or annually, so XIRR for Kuflink looks low now, but when the payments from some of the delayed loans come in (mainly in the auto-invest portfolio), overall XIRR should jump up significantly, probably to around 6.5% – 7%. 

Kuflink really are a very good option for lower risk – higher return investments in my opinion. I’ll be shooting more money over to them as more loans come out as I have done for the past year. They are one of the lenders that I will be increasing my account balance with substantially over the coming months.

 

I picked up a few more low LTV loans in May.

 

Kuflink Peer to Peer Lender Account Screenshot for May 2019 Update 2

 

 

 

 

April 2019 Monthly Update

KUFLINK

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Kuflink Account Screenshot for April 2019 Update 1

Kuflink Account Screenshot for April 2019 Update 1.1

 

 

When I first began investing with Kuflink, I only sent over £500 just to give them a try so I could see how they operate and how solid their loans were. Now I have over £6k invested with them and that will likely increase significantly moving forward. The main reason being of course their low LTV (Loan to Value) loans.

For example; see below on the “Mansfield Road” investment. To lose money on this loan, the property would first need to lose 71% of it’s value (never happened on a correctly valued property, not even in the 2008 financial crisis).  On top of that, it would need to lose a further 5% of it’s value as Kuflink take the first 5% loss on any default with their “skin in the game” guarantee. I know I keep harping on about this every month, but where else can you get 6.50% return with that kind of security?

 

XIRR

The XIRR on Kuflink rose a bit this month from 3.95% to 4.86%. Interest is coming in more frequently now, plus I’ve had capital & interest paid back from some of the earlier loans I got into.

One thing I sometimes forget to point out is that some Kuflink loans pay interest at the end of the loan period, or annually, so XIRR for Kuflink looks low now, but when the payments from some of the delayed loans come in (mainly in the auto-invest portfolio), overall XIRR should jump up significantly, probably to around 6.5% – 7%. 

Kuflink really are a very good option for lower risk – higher return investments in my opinion. I’ll be shooting more money over to them as more loans come out as I have done for the past year.

 

Kuflink Account Screenshot for April 2019 Update 2

 

Kuflink Account Screenshot for April 2019 Update 3    Kuflink Account Screenshot for April 2019 Update 3.3

 

 

Kuflink valuation reports are fairly detailed. If you would like to check out the LTV’s for yourself; I put a link to a valuation report here that you can download if you’re interested in taking a look

 

Kuflink currently have a really great cashback offer for new investors –  from £50 to £250 for a £500 to £5000 investment which is huge (5% on 5k is excellent). Click here for more information

 

 

 

 

March 2019 Monthly Update

 

KUFLINK

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I sent over just a little more money to Kuflink in March as I already had some there waiting for new loans. Right after I did, I got an email from them saying they had an excellent opportunity with 6.5% return for a low 30% LTV, so I snatched up all I could get (£350 at the time). If you’re not familiar with Kuflink loans, they are very well secured indeed. When a loan has an asset secured LTV (Loan to Value) of 30%, it means that literally the asset would have to lose 70% of it’s value before investors would lose money.

On top of that, Kuflink have “skin in the game”. This means they have 5% of their own money in the loan and will take the first 5% loss on any loan that goes bad. So that means the asset would have to lose 75% of it’s value before investors lost money. I’m not sure that has ever happened on property, and if it did, it’s not something that happens often, so I’m willing to risk a lot more capital per loan on this type of investment.

 

Note on Kuflink XIRR

One thing I sometimes forget to point out is that some Kuflink loans pay interest at the end of the loan, or annually, so XIRR for Kuflink looks low now, but when the payments from some of the delayed loans come in (mainly in the auto-invest portfolio, overall XIRR should jump up significantly, probably to around 6% – 7%. 

Kuflink really are a very good option for lower risk – higher return investments in my opinion and I’ll be shooting more money over to them as more loans come out.

 

Kuflink Account Screenshot for March 2019 Update 1.1

 

I also picked up a few other loans. Not such low LTV’s as the last but still fairly decent at around 70%.

Kuflink Account Screenshot for March 2019 Update 2

 

If you’re looking to invest with Kuflink, now is a great time as they have a great cashback going on from £50 to £250 for a £500 to £5000 investment. Click here for more information

 

 

 

February 2019 Monthly Update

 

KUFLINK

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I sent more money over to Kuflink in February bringing my total to almost £5k. The more Kuflink loans I see, the more comfortable I get with them. Great rates with low LTV’s and their own “skin in the game” really does take some beating.

 

Kuflink Account Screenshot for Feb 2019 Update

 

 

See below the LTV’s on some of the latest loans. 

Kuflink Account Screenshot for Feb 2019 Update2

 

Kuflink now have a secondary market for buying and selling loans which really is a welcome addition. I picked up a few loans, the best of which was Brampton Road. If you remember, this was the loan with the crazy 28% LTV that I missed as it was gobbled up by investors within a couple hours of it being listed. £325 of it became available so I took the lot very quickly and I’m very happy with that decision. In order to lose money on this loan, the building would literally need to lose over 72% of its value, plus another 5% of Kuflinks “skin in the game”. If the economy got so bad that this happened, I think there would be a lot more to worry about than the £325 invested in this loan.

Kuflink Bramptop Road Update for Feb 2019 P2P update

 If you’re looking to invest with Kuflink, now is a great time as they have a great cashback offer going on from £50 to £250 for a £500 to £5000 investment. Click here for more information

 

 

January 2019 Monthly Update

 

KUFLINK

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I continue to invest in Kuflink loans. They are all secured by property and typically at low Loan to Values (LTV). If you read some of my previous updates, you’ll remember I said I was considering putting more money in to Kuflink loans as I believe they are some of the best quality loans available, plus their LTV’s on some of their deals are not seen elsewhere. You’ll notice in the screenshot below that one of the loans had a LTV of just 34% (red circles).

Kuflink Screenshot for Jan 19 Update 2

 

I decided on this loan to take a leap of faith and do a big £500 chunk at 7% return. Although this doesn’t bode too well with my diversification rules per account, I feel this loan is relativity safe as it is only a 12 month bridging loan. If it were to go bad, the property would need to lose 66% of it’s value before I lost money. Added to that is Kuflinks “Skin in the Game” per the screenshot below (red box), where they take first loss before any other investor loses anything. So, overall about as safe as it gets in Peer to Peer lending.

Kuflink Loan Screenshot for Jan 19 Update 2 peer to peer lending

 

Kuflink income doesn’t look great on the charts yet at an XIRR of 2.58% because some of the loans I’m invested in pay the interest annually so that will show up in a few months which will give a big jump in XIRR.

I really feel that Kuflink offer some great, safer loans at good return rates. If you’re looking to invest with Kuflink, now is a great time as they have a great cashback going on from £50 to £250 for a £500 to £5000 investment. Click here for more information. You can see my latest Kuflink Review here.

 

Kuflink Account Screenshot for Jan 19 Update 1

 

 

December 2018 Update

 

Kuflink

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Kuflink Account Screenshot for Dec Update 1 Kuflink Account Screenshot for Dec Update 2

I decided again this month to add more funds to Kuflink. I sent over another £1500 so I could get in to some of the solid loans they are producing. Great opportunities with some very low LTV’s (one was around 17% again).

The XIRR calculations on Kuflink seem low because interest is paid annually on some loans. Once that gets paid we will see that number jump up significantly.

 

 

 

November 2018 Update

 

Kuflink

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Kuflink Account Screenshot for Nov Update 1 Kuflink Account Screenshot for Nov Update 2

 

In last months update I mentioned that I might be willing to put more money into Kuflink loans, and that’s exactly what I did. I have decided with their “Skin in the Game” and the low LTV’s, I can put a bit more into their loans now. So, I sent another £1000 over to Kuflink. I increased my investment in loans that were still available to £100, and I now invest £100 into each new loan. We’ll see how it goes but I’m fairly comfortable.

Most of Kuflink’s loans are relativity short term (typically 12 – 18 months) and to this point, no investor has lost any money. I’ve noticed when some of their loans come through, you have to be quick to get in. I got an email about the St Margarets Road  loan saying that it had a LTV around 17% which is very, very good and low risk, but by the time I had gone to the site to invest, it was full with nothing available to invest in! With that LTV, there is very little risk of losing capital if the loan goes bad. The asset would literally have to lose 80%+ of it’s current value for that to happen. I can see why it went quick. I would be very comfortable putting more money in to a loan like that, but I would need to keep the money available in the Kuflink account so I can quickly invest it.

 

 

October 2018 Monthly Update

 

Kuflink

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Kuflink Oct Update Account Screenshot 2

Kuflink Oct Update Account Screenshot 1

 

I finally used up my un-lent capital with Kuflink last week so I will send a little more over. Their loan supply is quite slow, but the loans they have are very good and well vetted, and the asset security seems to be very reasonable along with their “skin in the game” (read the review for info). Still, I’m trying to diversify as much as possible. I’ve been putting £50 in per loan but I may increase that moving forward. Kuflink’s auto-invest accounts pay interest annually so I’ll need to wait to see my account grow from actual profit there.

 

 

September 2018 Monthly Update

 

Kuflink

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Kuflink Account Screenshot 1 Oct 2018

As you can see in the account summary screenshot, I’m invested in both the auto-invest and the select invest portfolios.

Kuflink Account Screenshot 2 Oct 2018

I increased my investment in Kuflink by £400 in September as I decided to start and get more into the Select-Invest portfolio. Kuflink also gave a £100 cashback in September, which helped. I rounded off the account to £1000. Kuflink’s loan flow is variable but as new loans come up, I’ll keep investing in them and send more capital as required. Because Kuflink has a very good default recuperation record (no lender has lost money with them to date), and they invest 20% of their own capital into each loan on a first loss basis, I could place a larger amount into each loan. As they are still relativity new to me, I’ll take it easy and keep good diversification for now though.

 

 

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Prior to September 2018, no screenshots were published, however you can still see the full updates below:

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