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Neil Faulkner, 4thWay Head of Research

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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.”

ArchOver Review

The ArchOver Review is written by one of 4thWay’s specialists.   4thWay’s ArchOver Review A P2P offering we would like to like, but it doesn’t trouble itself with providing much data to prospective lenders. What ArchOver does ArchOver primarily does UK business loans that are largely secured on whatever business assets are available, with a… Read more

What You Need To Know About P2P Bridging Lending To Contain The Risks

Each type of lending has its own particular unique sides and risks. One aspect of bridging lending is when a P2P lending company sets up a loan and then allows the borrower to repay that loan at the end by taking out another loan. Most importantly, you need to understand when this new loan is… Read more

Assetz Capital Review

This Assetz Capital review was written by one of 4thWay’s specialists. You can find this review as well as reviews on other peer-to-peer lending companies in our comparison tables. Note in 2021: there’s a queue for new P2P lending, which reopened recently after Assetz Capital finished government-backed pandemic loans. 4thWay’s Assetz Capital Review Outstanding lending… Read more

How To Assess The People Behind P2P Personal Or Business Lending Platforms

One of the key things to understand when putting your money into a lending account is the competence and character of the people behind the P2P lending company in question. While I can’t distill all 4thWay’s acquired knowledge and method for scrutinising key people, I’m going to pack in tips on what to look for… Read more

LandlordInvest Review

Here’s the LandlordInvest review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s LandlordInvest Review LandlordInvest may be relatively new, but it’s building an excellent record. LandlordInvest Review: their best-rated product This account has been paying . Read about the 4thWay PLUS Ratings, compare more peer-to-peer lending accounts… 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

What Lending Works Has Got Wrong

Lending Works has said to us that lenders have expressed support of it during the pandemic. And we have corroborating evidence that it’s probably a minority of lenders who are truly angry. Yet there’s certainly some anger going around. While it has so far justified its 4thWay PLUS Ratings, in some areas, Lending Works has mis-stepped… Read more

Has Anyone Lost Money At Lending Works And How Variable Are Lending Results? (P.S. Please Don’t Unsubscribe)

Have any Lending Works lenders lost money? Due to the pandemic, Lending Works* put existing lenders on negative interest rates for a few months to divert some extra money to its bad-debt reserve fund. Some existing lenders still have negative rates on some of their loans, while loans issued in 2020 are now back on… 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 A good risk-reward balance, in some ways outperforming pandemic expectations, but mistakes have shaken confidence of some lenders Lending Works review: their best-rated product This account is currently paying interest for new lenders lending in 2021…. 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

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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