Yes, your investment continues to earn interest until your release request is delivered. It is worth remembering that unlike some other investments (such as stocks and shares) that may be sold quickly but at a capital loss, RateSetter investors continue to receive a positive return.

Yes, your investment continues to work as normal and earns interest until it is released. For Access, Plus and Max repayments continue to automatically reinvest as normal until your release request is delivered, while your investment settings dictate how repayments are handled in the 1 Year and 5 Year products.

Yes, we are focused on ensuring that your investment is protected, and the Provision Fund continues to apply to your investment until it is released.

Requests are being delivered in chronological order within each of our three different markets: Access, Plus and Max; 1 Year market; and 5 Year market.

The amount delivered from each market is determined by market-specific factors such as the volume of release requests received and the daily supply of funds within that market from borrower payments and investors. We are delivering as many release requests as we can every day, while keeping the loan portfolio stable for the benefit of all our customers and making sure we continue to support our borrowers. As a result, the amount delivered each day fluctuates.

We are very sorry that requests are not being processed at the same speed as usual, but this is an unprecedented environment. Within your account dashboard you can view the progress of your request in the investment release queue. Unfortunately we can’t give specific timing guidance on when individual requests will be processed because the rate of progress within each market depends on market-specific factors such as the volume of requests received and the daily supply of funds within that market.

The queue information for each market is updated automatically once every working day (requests are not processed at weekends or on Bank Holidays). Market-specific factors such as the supply of funds, which varies on a daily basis in each market, determines how much is delivered every day. Sometimes delivery of a large release request means it appears that the queue in that market has slowed down. We continue to deliver as many requests as possible every day.

We are delivering requests in chronological order within our different markets: Access, Plus and Max; 1 Year; and 5 Year. The speed of the queue in each market depends on market-specific factors including the level of release requests received and how they are distributed over time, the supply of funds, which varies on a daily basis in each market, and the amount of cancellations made in each market.

Yes, you can cancel or reduce your request within your account dashboard or by emailing us at [email protected].

Yes, our Borrower Services team is continuing to support our customers. The team is fully functioning including maintaining collections and recoveries activity.

Covid-19 has impacted on all aspects of life, and we have seen elevated numbers of customers asking for support with their loans. We have existing policies in place, such as breathing space arrangements, to support those who need help.

We are lending, but at a reduced level. We continue to deliver to our existing Property Development Finance customers as they complete their developments because supporting continued construction is in the interests of borrowers and investors. We are also delivering Consumer loans directly via our website, but with significantly tightened lending criteria.

When your investment release has been processed your money will be in your Holding Account. From there you can either withdraw it to your bank account (which usually takes one working day) or reinvest.

Following the peak on 16th March, requests subsequently returned to normal levels.

We are not accepting new investors, but we are open to existing investors and we continue to receive investments into our Everyday and ISA products.