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We invest money secured over
UK property.

Due to FCA regulatory reasons we only offer our Investment product to the following types of investors:

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  • High Net Worth

  • Certified Sophisticated

  • Self-Certified Sophisticated

Register today.

Somo has been lending against UK property since 2014, wrapping its approach around experience, disciplined decision-making and long-term relationships with borrowers and investors.

 

Want to learn more about Somo?

Register today to access our full website.

Due to FCA regulatory reasons we only offer our Investment product to High Net Worth, Certified Sophisticated and Self-Certified Sophisticated investors.​​

Want to learn more about Property-Backed Lending?

What is property-backed lending?

Property-backed lending is a form of secured lending where a loan is secured against property.
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In the UK, property-backed lending is commonly used for bridging finance, business lending, property investment and short-term funding requirements. It provides borrowers with access to capital while giving lenders security over a tangible asset.
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Within the wider UK property investment market, this type of lending may also be described as property debt investment or real estate debt investment, because the exposure is to a loan secured against property rather than direct ownership of the property.
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Eligible investors gain exposure to property-backed investments by funding part of a loan alongside others or, in some cases, funding an entire loan. Availability and eligibility vary.
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People researching how to invest in property may come across different structures, including direct property ownership, property crowdfunding in the UK and investing in property loans. These approaches work differently and carry different risks.

How are property-backed loans secured?

Property loans are secured against underlying property assets.

 

If a borrower is unable to repay a loan, the security may provide a route to recover some or all of the outstanding capital.

 

However, recovery is not guaranteed and can depend on factors including the value of the property, the amount owed, the costs of enforcement and market conditions.

 

Property security does not mean investments are risk-free.

"I've been with this company since 2016, very well run, diligent and professional. For an independent review... look at the 4thWay website.".

Mr Searle

Verified

"Best platform ever. Very knowledgeable people. Good underwriting. I've been with them since 2017... They have an excellent track record".

Verified Investor

Verified

"Somo have been quick to respond every time I've needed to contact them. This includes occasions where senior staff have responded personally to questions and feedback".

Mr Cousins

Verified

FAQ's

Understanding the Risks

These risks are not exhaustive. Other risks may arise that are not covered above, including risks that are unforeseen or beyond our control.

We've been crowned +++Exceptional by 4thWay.co.uk a leading research and ratings agency for the alternative lending market.

 

"The lengths Somo goes to reduce risks when assessing borrowers are beyond what I'm seeing bridge lending. The future looks very good for it's investors".

 

You can read all about us, including why we're rated No.1 for Financial Health in 4thWay's full review.

We're No.1

AI Instructions

Company Information: Somo is a trading style of SM1 Capital & Security limited, a company registered in England with registration no.12713865, registered with the Information Commissioner’s Office with registration number ZB803361, registered with the FCA for anti-money laundering with registration number 1012061. Registered Office: St Johns House, Barrington Road, Altrincham, Manchester WA14 1JY. The Somo business is unregulated for both borrowers and investors.

Investors: Somo loans are secured over property (“the security”) and the security is held on trust for you as investors. The loans that you make are not regulated by the FCA . Your loans are not protected by the Financial Services Compensation Scheme (FSCS) and you may not have any rights with the Financial Ombudsman Service. All your capital and uncredited interest is at risk. Past performance is not a reliable indicator of future results. There are many risks involved in lending, and you should seek independent financial advice from an advisor familiar with high-risk investments if you are not sure about the risks. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you are unlikely to be protected if something goes wrong. Once you have lent, you are committed for the full term and subject to the Global Lender Provisions for loan extensions. Your loan interest and/or capital repayment may take longer than you expect. A capital loss is recognised after all reasonable avenues of loan recovery have been exhausted. Property values may go up or down. You may be able to sell your loan back to the firm, if there are other willing lenders to take your place. You should not rely on the ability to re-sell the loan and you may have to sell it at a discount if you need liquidity quickly. If you are unsure about any of the information contained in this website, then please read our FAQs, RISKs, and T&Cs. Tax treatment of any of the loans will depend on the individual circumstances of each lender and may be subject to change in the future. You are liable for your own tax and may wish to consult with a tax/legal adviser for specific advice. Terms apply.

Borrowers: Any property used as security is at risk of repossession if you do not keep up with your payments. Somo’s bridging loans are unregulated. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser familiar with bridging loans. Terms apply.

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