Before I started researching this piece in earnest, I was hoping to sound a little bit less like a broken record when it comes to the usefulness (rather, uselessness) of economic forecasts to help you make saving, lending, investing and property decisions. This is an…
A question from Mervyn, a user I note that it appears [4thWay’s comparison tables] only contain items relating to P2P providers that have received your varied approvals, whereas it used to contain all providers, good or bad, approved or not. Is my comment above correct or…
We had a question from a reader about a closed P2P lending provider that had around £200 million of lending outstanding when it decided to change its business model and wind-down P2P lending in December 2022. 4thWay reader’s question Hello I have found your knowledge…
That’s a clickbait sounding title, but it is meant genuinely and there’s a lot of evidence to back it up. Quite a few 4thWay readers report being comfortable lending against residential property development projects, but say in contrast they don’t understand lending to landlords who…
Just as Kuflink changed its group name to The Something More Group – presumably to give itself a restart, a rebirth and to rebuild its reputation – seemingly its first action was to put a load of 5/5 reviews on Google for one of its…
With double-digit realised gains so far, returns of 20%+ highly possible, and being unaligned with recessions and property crashes, why wouldn’t you consider this opportunity? Before you read on, AxiaFunder is available to you only if you have invested at least £10,000 in unlisted investments…
The judgment from the High Court on the group claim for 1.6 million people against 14 car manufacturers was handed down on 10th July, 2026. While there was a small win for claimants within the judgment, it was definitely what you’d call an overall loss….
HNW Lending’s averaging of the valuation of the borrowers’ properties after directors taking first loss, received an Exceptional 3/3 4thWay PLUS Rating. That lending account is paying around interest before losses. HNW Lending’s pays 7.00% with additional borrower interest that has so far fully covered…
In a very positive development that provides some reassurance about Kuflink, one of its two major restrictions is gone from the financial regulator’s register. The restriction on it taking new customers – borrowers or lenders – has been removed. This would suggest that Kuflink has…
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . Visit Somo* or keep reading the Somo Review.
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . Visit Somo* or keep reading the Somo Review.
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . Visit Somo* or keep reading the Somo Review.
Lendwise’s lending accounts are unrated. These loans are currently expected to pay lenders around after bad debts. Visit Lendwise or keep reading the Lendwise Review.
Online direct lending, including P2P lending, had its worst month in its history in January 2026, with investors losing money overall for the first time For the first time since the 4thWay PADL Index started in July 2014, lenders lost money overall over the course…
CapitalRise’s Bridging & Development Loans have earned the Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around interest after bad debts. Visit CapitalRise* or keep reading the CapitalRise Review.
Edits on 15th May 2026: since publishing this on 30th April, several important additions and corrections have been added below. Until the end of May, those changes will all show in bold. Do you want the good news or the bad news first? Right, the…
Housemartin’s P2P Lending Account And IFISA And Classic Account has earned an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around of the loan amount in interest, after bad debts. Visit Housemartin* or keep reading the Housemartin Review.
4thWay received an email from a user asking about a property loan that is on the verge of suffering confirmed losses for lenders. He said: “What happened with their LTV guarantee on that one?” LTV is short for “loan to value”. It means how large…
Just a brief update since I wrote Kuflink In Trouble With The Financial Conduct Authority in December. Seemingly no new loans for months We receive emails to a 4thWay email address when Kuflink loans are available for you to lend in. Over the past four…
Peer-to-peer lending websites and IFISA providers that do not appear to have the correct permission from the financial regulator are the ones that are most likely to turn out to be the real monsters that cause panic, fear and financial loss to individuals. Below, you…
