Somo is an established UK property-backed lender, combining disciplined lending and the latest technology with a human approach to private credit.
Since 2014, Somo has lent £500m+ across 2,300+ loans, with an average LTV of 58.61% and zero investor capital losses to date.
Individuals, banks, institutions, hedge funds, family offices and financial advisers choose Somo for property-backed lending.
£500m+ lent across 2,300+ loans since 2014. Zero investor capital losses to date. Average LTV of 58.61% across 12 years of trading. Investors received annualised interest of 10.85% in 2025.
Somo gives eligible investors access to short-term loans secured against UK property, combining disciplined lending with a refreshingly human approach to private credit.
Since launching its online lending platform in 2014, Somo’s approach has remained consistent: understand the security, lend at sensible loan-to-values and act decisively when a loan doesn’t repay to its original timetable.
Every loan is assessed individually, with a strong focus on the underlying property, valuation, legal structure, exit strategy and potential downside. Every Somo loan is secured against UK property, with lending decisions centred heavily on the quality and value of that security.
Somo is independently scrutinised by 4thWay, which gives its Bridging Lending Account an Exceptional 3/3 PLUS Rating and ranks Somo No.1 for financial health. 4thWay has also highlighted the strength of Somo’s underwriting, recovery processes and long-term profitability.
Somo is rated 5 stars by investors on Feefo and was named Best Regional Bridging Lender of the Year at the 2025 Bridging & Commercial Awards.
A business with its own skin in the game
On qualifying second-charge loans, Somo’s Second Charge Capital Loss Guarantee means Somo takes the first 10% of any investor capital loss after all reasonable avenues of recovery have been exhausted, subject to the terms and overall cap of the guarantee.
It reflects an important principle for Somo: alignment with the investors who lend alongside us.
Property-backed lending, underpinned by experienced people, disciplined underwriting and more than a decade of track record.
Somo works with a broad range of investors, from individuals to institutions.
Eligible individual investors can access the platform once they have completed the required investor classification and appropriateness checks. Somo also works with companies, banks, institutions, hedge funds, family offices and other professional investment entities, subject to onboarding and eligibility requirements.
Somo offers to invest in various crowdfunding opportunities from the Real estate sector.
At Somo, you can start investing with £5,000.
The investment models Somo operates is P2P lending.
