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Matthew Howard

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See Matt’s profile in About Us.

Which P2P Lending Sites Are Profitable?

We are regularly asked by 4thWay’s users about whether an individual P2P lending site is profitable – whether it is making money. Their concern is that if these websites are not profitable then they will go bust. Or, rather, the concern is that if they go bust it will take much longer to get your… Read more

How To Lend Across Multiple IFISAs In One Year!

As you may know, you can only open one IFISA in a tax year, which runs from 6th April to 5th April, and this limits your ability to spread your money and the risks across lots of provider. But you’re wrong! You are actually allowed to open lots of IFISAs in one tax year. The… Read more

CapitalStackers COVID-19 Planning

CapitalStackers recently celebrated £15 million in lending through its platform. CapitalStackers* reports a total of £60 million lent to property developers and other property owners, when you include other lenders, such as Royal Bank of Scotland. CapitalStackers tends to do junior lending. So it arranges for its lenders to lend first, but to sit in… Read more

How COVID-19 Shows That P2P Lending Is A Fairer Investment

I’m a fan of the stock market. I think most people with a long time to invest should have some of their money in it. I’ve written about share investing in various pieces on 4thWay, including in this guide I co-wrote: Peer-to-Peer Lending Vs Other Investments. For all its volatility, the stock market a good… Read more

The Investment That’s Better Than P2P Lending

This was my first ever Candid Opinion article for 4thWay, published originally on 25th November, 2014. I’ve just updated it very slightly – mostly as an excuse to get the editor to re-publish it for me and give it some more attention. This is a brief, look at all your quality investment options, and showing… Read more

Is Government P2P Lending A Sign Of Quality?

For the past eight years, a handful of government-funded banks have been lending through P2P lending sites. Peer-to-peer lending sites reference national and international government lending through their online platforms as if it is an indication of quality. MarketInvoice, for example says: “Investors on our platform include high net worth individuals, institutional investors and government… Read more

Lending Works Shield: How The Reserve Fund Has Radically Changed

Lending Works has boosted allowances to cover future possible bad debts from £3 million to £5.5 million, by budgeting for more borrower interest to be paid into the Lending Works Shield. While that means much greater coverage that will better match expected bad debts, it comes with a radical change to how the Shield works…. Read more

How To Pass The Seedrs Appropriateness Test

Seedrs has nothing to do with P2P lending, because it is the far higher risk startup crowdfunding. It therefore doesn’t usually show up on 4thWay. However, for ordinary lenders in P2P to upgrade to the status “sophisticated investor”, you sometimes need a few pounds’ worth of experience investing in unlisted companies. That means companies that… Read more

Best Alternative To Landbay

It’s got a little more fiddly for peer-to-peer lending platforms to keep on going. New regulations that started in December have put extra burdens on them – and it seems that this was enough to tip some to the point where they’ve chosen to close their doors to ordinary lenders. From now on, prime residential… Read more

P2P Lending: How And When You Can Access Your Money

This guide tells you how most P2P lending sites and IFISA providers work when it comes to you exiting your loans. And for the most part getting your money back does work as well as you want it to. But, firstly, please consider this: There will be times when selling your loans to exit early… Read more

Today’s average interest rates

What is the “4thWay”?

There's the savings way, the property way, the stock-market way, and now there's the peer-to-peer lending way. The 4thWay® to save and invest.
Learn more.

What does 4thWay do?

We help people save and make more money, more safely when they cut out the banks and lend directly to other people and to businesses.

Why use 4thWay?

4thWay® is shaped by investors, bank risk modellers and a senior debt specialist, and we're governed by our users to ensure our comparison services and research are trustworthy and complete.

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

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Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Orchard’s interest rates different?

Orchard’s lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Orchard’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×
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