Compare P2P lending accounts and IFISAs now

Neil Faulkner, 4thWay Head of Research

Home > Neil Faulkner, 4thWay Head of Research
Click "Learn" to get help

Neil Faulkner is 4thWay CEO and Head of Research. He has this to say about himself:

“My background is diverse, including a long stint as a financial and investment journalist, and media spokesperson for investing website The Motley Fool. I quit to spend a year interviewing CEOs and other key people at P2P lending sites, and working alongside specialists at 4thWay from the fields of banking, lending and debt investments, in order to become one of the world’s leading experts on peer-to-peer lending, before the eventual launch of 4thWay five years ago.

“Since then, I have continued to hone my knowledge through thousands of hours of research and interviews, and by leading a very much data-led organisation, with talented and experienced colleagues from a range of useful backgrounds.

“I believe I am the most quoted independent commentator on the industry in the UK’s national media, and I am consulted by the FCA, financial advisor groups and industry CEOs on important industry topics.”

P2P Lending And COVID-19: News And Updates

Here, we’re pooling together the most topical news and questions that have come up over the past week. We’ll keep this page updated as the global-health crisis runs its course. More comprehensive guidance for lenders from our specialists and contributors will be added at the end of March/early April, and sent out to our subscribers…. Read more

Proplend Review

This is a Proplend review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Proplend Review Fantastically good property security, usually backed up by steady rent, and excellent returns for lenders. Proplend Review: their best-rated product This account has been paying interest after bad debts. Read about the… Read more

How The Financial Ombudsman Protects Your P2P lending

I have a lot of professional and some personal experience with the Financial Ombudsman Service, all of it good. This powerful and excellent service has helped millions of people. It handles complaints about financial businesses that are regulated by the Financial Conduct Authority. This includes UK-based P2P lending companies as well as financial advisors, in… Read more

Is Lending Works Still A Good Investment?

Lending Works has adjusted its forecasts of lender returns and bad debts for new loans. It’s increased the amount of borrower payments that now cover bad debts, with lending rates remaining attractive in its highest-paying account. All this has taken place after hiring a new Head of Risk. But what evidence exists to show that… Read more

Lending Works Review

Below is the latest Lending Works review given by one of 4thWay’s specialists. 4thWay’s Quick Expert Lending Works Review Great risk-reward balance Lending Works review: their best-rated product This account is currently paying interest. Read about the 4thWay PLUS Ratings, compare more peer-to-peer lending accounts or visit Lending Works*. When did Lending Works start? Lending… Read more

Funding Circle Review

Here’s a Funding Circle review from one of 4thWay’s experts. (You can see all the Quick Expert Reviews in our comparison tables.) 4thWay’s Quick Expert Funding Circle Review Interest rates worry me, and it’s become too difficult for lenders and analysts to assess its current performance. When did Funding Circle start? Funding Circle has completed… Read more

Zopa Review – An Analyst’s Review Of Zopa For Investors

This is an analytical Zopa review for lenders (otherwise known as investors). You can also visit our peer-to-peer lending comparison tables or IFISA tables to see how Zopa compares. 4thWay’s Zopa Review The oldest peer-to-peer lending website shows its maturity in its results. Full Zopa review: starting with Zopa news Turning to what’s new in… Read more

RateSetter Review – Investment Analysis By 4thWay

This RateSetter review, written by one of the world’s foremost authorities on peer-to-peer lending, is in two parts. The first part is taken our Quick Expert Review series, which quickly covers the author’s main points and opinions. The second part makes up the rest of the full RateSetter review, which is especially for people who… Read more

Which P2P Lending Sites Offer FSCS Protection?

Your cash – but not loans – held by a P2P lending site may or may not be covered by the FSCS. I’ll give my view on how important this protection is, explain why not all sites offer it, and give you a list of the P2P lending sites where the FSCS situation has been… Read more

Who Can Invest In Peer-To-Peer Lending?

Peer-to-peer lending (including P2P IFISAs) is classified as one of the safer alternative investments, which is why it’s available to all who wish to invest by lending directly to other people, businesses and property owners. But, since it’s still a relatively new form of investing, the Financial Conduct Authority wants to encourage most lenders to… Read more

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

×

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

×
Back to top