Expected annualised Lifetime return

Our estimation for the annualised return over the entire lifetime of the loans. It is calculated at the time loans were acquired by investors.
The expected lifetime return takes a large number of factors into account, including:

A loan’s term, interest rate and risk band.
The criteria used to determine a loan’s eligibility and how it is priced.
The projected performance of loans purchased from other investors on our secondary market (including the impact of the 1.25% transfer payment paid by the buyer of the loan).
Historical performance of similar loans
The expected annualised lifetime return is shown as a range because there is always a degree of uncertainty when estimating future loan performance.