LandlordInvest stopped lending for two years and restarted in autumn 2026 under new ownership. 4thWay has begun the lengthy process of reassessing LandlordInvest. As of October 2026,, as we still need to reassess LandlordInvest again after it recently restarted.
Sourced Capital’s Bridging & Development loans are currently unrated, due to not enough information being provided and also due to it currently offering no new loans. This account has been paying lenders in the region of interest before bad debts. Visit Sourced Capital or keep reading…
Downing Crowd used to offer property development lending and wholesale lending (lending to other lenders). Downing Crowd never officially announced it was winding down, but it put up a note stating it was no longer approving new opportunities through its online lending platform during spring…
When you earn money through peer-to-peer lending there are huge tax breaks available to you. For most people there’s an automatic tax break on all P2P lending accounts. You can also open specific peer-to-peer lending accounts, called IFISAs, which are always free of income tax…
Loanpad’s Premium Account/Premium IFISA received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest with zero losses. Visit Loanpad* or keep reading the Loanpad Review.
When it comes to the risks of losing money, the main peer-to-peer lending risks are: Yourself (psychological risk). Not enough diversification (concentration risk). Losing money due to bad debts (credit risk). Losing money due to a P2P lending site going bust (platform risk). Losing money…
We have nagged the taxman’s notoriously tight-lipped officials, talked the financial regulator, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions – as well questions you never thought to ask. This guide is…
Invest & Funds accounts are unrated. The standard account and the IFISA have been paying , according to Invest & Fund. Visit Invest & Fund or keep reading the Invest & Fund Review.
We’ll show you: Why buying and selling loans won’t always be speedy, and can sometimes be nigh-on impossible. What the delays cost you and how long they might last. The silver lining: that your risks actually come down due to slow lending and good investing…
This review is temporarily down Normally, when 4thWay’s specialists reassess peer-to-peer lending providers and other online direct lending providers on behalf of individual lenders, the new assessment is put up on the 4thWay website with no downtime in between. However, perhaps once per year on…
The key risks in IFISAs are: Psychological risk: your own greed and fear. Concentration risk: you don’t spread your money across lots of loans and P2P lending sites. Credit risk: borrowers don’t repay you. Platform risk: the P2P lending site (the “platform”) goes bust and…
In this guide, we explain how peer-to-peer lending performs when compared against stocks and other investments. Here’s a short summary of what you’ll learn Useful investments for most people are 1) Savings accounts, 2) peer-to-peer lending, 3) buying your own home and 4) the stock…
Here’s an overview of how you can earn an income and make money by helping others escape the banks through peer-to-peer lending. You open an online account with one or more peer-to-peer lending companies, and then you can lend money to people or businesses, including property owners….
Peer-to-peer lending – and other online direct lending – is on average relatively low risk compared to the stock market. And it’s relatively easy to assess compared to picking shares – provided you arm yourself with knowledge. But it’s still, most definitely, an investment. This…
This guide page is to: Describe to you just how incredibly powerful it is to spread your money across lots of high-quality loans. Offer guidance on how much diversification you need. Give you tips on how to go about doing that and how to lower…
The process of money lending has been very profitable for thousands of years, even before computers and credit reports. There have been credit-reference agencies since the mid-1800s. From then onwards, it has become increasingly easy to assess borrowers and decide what interest rates to charge…
Safe peer-to-peer lending is not as risky as the stock market. Not by a long shot. On average! However, as with the stock market, the risks in P2P lending are not uniform. Some lenders will lose a lot of money over the next half century, simply…
LendingCrowd’s Growth Account is unrated, due to lack of information. These loans have been paying lenders interest after bad debts. Visit LendingCrowd* or keep reading the LendingCrowd Review.
Assetz Capital was one of the businesses that temporarily paused P2P lending last year in order to offer businesses government-backed pandemic loans, which weren’t available as P2P. It’s now reopening its P2P lending, but it could be some weeks before lenders can put new money…
Here’s the Octopus Choice review from one of 4thWay’s specialists: 4thWay’s Quick Expert Octopus Choice Review [orangebox] On 25th February, 2021, Octopus Choice said that it’s permanently closing its P2P lending platform. Lending results during and prior to the pandemic have been exceptional and existing lenders…
