History has shown so far that when P2P lending sites, close, few of them end up paying reduced returns to lenders as a result of closing down and winding down loans until they’re repaid. (Although, as usual, you can suffer losses from bad debts after…
We told HMRC that, reading the rules for ISAs, “they don’t actually prohibit people opening multiple IFISAs in one tax year, provided they only subscribe new money to one of them”… Do they? A representative from HMRC has told us this “looks correct”. That’s about…
You have dozens of choices when it comes to peer-to-peer property lending. As far as we know, we’re listing every single one of your choices on this page that we call “P2P”. A small number of P2P property lending websites offer lending that is usually…
As you may know, you can only open one IFISA in a tax year, which runs from the 6th of April to the 5th of April, and this limits your ability to spread your money and the risks across lots of providers. Opening more than…
Last year, in 2023, if you invested in one of the cheapest and best share funds to cover the entire UK stock market, through Vanguard, and you did it directly through them in their own ISA, you’ll probably have made around 6.8%. That’s assuming you…
Owning property is one of the four ways that gives 4thWay its name. As we sometimes say: “there’s the savings way, the property ownership way, the stock market way, and now there’s the P2P lending way: the 4thWay”. All are equally fantastic ways to save…
Peer-to-peer lending is not a regulated phrase. By 4thWay’s definition, any online lending company is peer-to-peer if it structures itself and its loans to offer the same level of protection as direct lending, in order to protect lenders in the event that the lending company…
P2P lending costs money for both borrowers and lenders. Because there’s no such thing as a free lunch! You can find out true costs of lending through various P2P lending companies elsewhere on 4thWay and we’ll show you where further below. But, firstly, here’s how…
Sometimes P2P lending companies close down or shift away from being P2P businesses. When they do, you want to see loans repaid in an orderly fashion. That’s why they have plans for this scenario in advance. These plans are intended to make it highly probable…
The main ways that peer-to-peer lending providers protect you from losses are really important. They involve assessing the borrowers properly and setting interest rates appropriately. For property lending, it also means assessing the property put up as security correctly. On top of that, you as…
I just have time for two brief updates on Proplend, which is truly one of the most remarkable P2P lending and IFISA providers for lowering your risks while paying attractive interest rates. Instant diversification in extremely safe loans available now At time of writing, Proplend*…
Nationwide says we’ve just had four months in a row of falling property prices. To some people, that means there are more falls to come. My colleague has expressed his views on that in a separate piece. But some peer-to-peer lending accounts seem almost deliberately…
Out with the old, in with the new! While some lending businesses make the switch into P2P lending, others switch away to another business model. Assetz Capital announced that it was doing the latter just a few weeks ago. Lenders in P2P have made a…
We don’t get soooo much interest from 4thWay readers when we write about the social and environmental impacts of P2P lending. Our focus is on the risks, rewards, growing your wealth, or earning an income from money lending. Understandably, that’s what you’re most interested in….
It takes endless patience and often remarkable intelligence to do nothing. Whether you’re a monarchist or not, you can still learn from the Queen, who was an absolute master of those useful skills, which you can apply in your P2P lending. The Queen must have…
Even over longer periods of time, – and perhaps not even that. over all time periods. How good are bonds? On average, bonds are “a bit naff”, according to the fantastic Credit Suisse Global Investment Returns Yearbooks. OK, the Credit Suisse funded research doesn’t actually use…
This was my first ever Candid Opinion piece 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…
This article was originally the introduction and background to a piece called P2P Lending: How To Deal With Rising Interest Rates. But it got too long, so those tips on lending through rising rates now has its own page. In contrast, the page you’re reading…
When you’re locked into lending at lower rates P2P lending is almost invariably fixed-rate lending. Your existing borrowers aren’t going to start paying you more just because rates today are going up. Your cash is tied to that and it’s not partaking in any increases….
Naturally, we can’t know the answer to the question in the title precisely, because every major economic event is unique, coming with different causes, different factors happening at the time. However, investors need to invest – and lenders need to lend – with a large…
Independent opinion: 4thWay will help you to identify your options and narrow down your choices. We suggest what you could do, but we won't tell you what to do or where to lend; the decision is yours. We are responsible for the accuracy and quality of the information we provide, but not for any decision you make based on it. The material is for general information and education purposes only.
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The opinions expressed are those of the author(s) and not held by 4thWay. 4thWay is not regulated by ESMA or the FCA. All the specialists and researchers who conduct research and write articles for 4thWay are subject to 4thWay's Editorial Code of Practice. For more, please see 4thWay's terms and conditions.
*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from CapitalStackers, Invest & Fund, Kuflink, Loanpad and Proplend, and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
