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New 4thWay IFISA Comparison Service Now Live!
We've provided you with a lot of information on peer-to-peer lending sites in our very detailed comparison service since 2014. And that includes IFISAs since the first one was released.
However, we've now created a separate IFISA comparison service to make it easier, and added more information on costs, whether you can transfer in from other ISAs and a lot more.
- Simply click on “IFISA details” to find out about the specifically IFISA-ish aspects.
- If you're familiar with our original (and still great) comparison service, you'll know you can also read our experts' Quick Expert Reviews from within the comparison table, so you can quickly get a candid opinion on each offering.
- You can also still get a lot of the basic details about the risks, other costs, and other features, using our PLUS Ratings, and by checking the boxes next to lending opportunities that interest you, to drill down into vastly more information.
To celebrate this launch, we managed to elbow Lending Works into giving our users, exclusively through us, a fairly attractive cashback deal. Take a look here.
The 4thWay® PLUS Ratings are calculations developed by professional risk modellers (someone who models risks for the banks), experienced investors and a debt specialist from one of the major consultancy firms. They measure the interest you earn against the risk of suffering losses from borrowers being unable to repay their loans in scenarios up to a serious recession and a major property crash. The ratings assume you spread your money across hundreds or thousands of loans, and continue lending until all your loans are repaid. They assume you lend across 6-12 rated P2P lending accounts or IFISAs, and measure your overall performance across all of them, not against individual performances.
The 4thWay PLUS Ratings are calculated using objective criteria that can be measured and improved on over time, although no rating system is perfect. Read more about the 4thWay® PLUS Ratings.