Kuflink review
Property-secured P2P lending with a long track record.
Last reviewed May 2026 · by Gareth Hoyle
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Gareth Hoyle · Founder & Editor
Reviewed May 2026. Independent researcher, not a financial adviser. About Gareth
Kuflink at a glance
- Target rate*
- Up to ~7% (target)
- Min. investment
- £1,000 initial
- Security
- 1st legal charge on UK property
- IFISA available
- Yes
- Transfers in
- Yes
- Established
- 2016
⚠ Figures unverified: confirm against Kuflink's Key Investor Information before publishing.
What is Kuflink?
Kuflink is a UK peer-to-peer lending platform that focuses on lending secured against property. Through its Innovative Finance ISA you can lend tax-free, either by choosing individual loans yourself (self-select) or by spreading your money automatically across a range of loans (auto-invest).
How the Kuflink IFISA works
You open an IFISA, add at least the initial minimum, and your money is lent to borrowers whose loans are secured by a first legal charge on UK property. That security means that if a borrower defaults, there is an asset Kuflink can pursue to try to recover funds, though recovery is never guaranteed and can take time, and you may still lose money.
Rates, minimums and fees
Kuflink advertises target rates that vary by product and loan. Target rates are exactly that (targets, not guarantees) and you should treat any headline figure with healthy scepticism. Always confirm current rates, minimums and any fees on Kuflink's own site before committing.
The risks to understand
As with every provider in our comparison, the headline risks apply: borrowers can default, the platform itself could fail, your money is not FSCS protected, and access can be restricted. Read Kuflink's wind-down plan and understand how it handles late or defaulting loans before you invest.
Pros
- + Long track record in property-secured P2P lending
- + Loans secured by a first legal charge on UK property
- + Both self-select and auto-invest IFISA options
- + Accepts ISA transfers in
Cons
- − £1,000 initial minimum is higher than some rivals
- − Capital at risk; security reduces but never removes loss
- − Not covered by the FSCS
- − Access to your money depends on loan repayment / demand
Our verdict
Kuflink is one of the more established UK property-secured P2P platforms, with both self-select and auto-invest IFISA options and a track record stretching back to 2016. The legal charge on UK property offers a layer of security, but it does not remove the risk of loss, and as with all P2P lending your capital is at risk and your money is not FSCS protected. It may suit investors who specifically want property-backed lending and understand the risks.
Visit KuflinkPlain link: no affiliate relationship in place. Capital at risk. Not FSCS protected.
About the author
I have worked in search and online publishing since 2006 and am Managing Director of a UK digital marketing agency. Over nearly two decades I have built a reputation for rigorous, data-led analysis of online markets.
Beyond my agency work, I am an active early-stage investor through the UK's SEIS and EIS schemes, and provide digital due diligence services to venture capital and private equity firms, work that centres on independently verifying claims and assessing risk. That same evidence-first discipline shapes how every provider on this site is researched and reviewed.
I built peertopeerisa.co.uk because the existing coverage of Innovative Finance ISAs was either thin comparison tables or platform-owned marketing. My aim is a genuinely independent, plain-English reference that always leads with the risks.
I am not a financial adviser and nothing on this site is personal financial advice. When I hold a view, I show my working and the sources behind it.
- Working in search & online publishing since 2006
- Managing Director, UK digital marketing agency
- Active SEIS/EIS early-stage investor
- Provides digital due diligence to VC & PE firms
- Conference speaker on AI and digital strategy
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