Six years ago (I can’t believe it’s that long!) I wrote two pieces on institutional lending: Is Institutional Lending In Peer-To-Peer Good For You? Which Peer-To-Peer Lending Sites Have Institutional Lending? You can read those for an explanation of what it is and how institutions…
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…
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.
A number of funds that mimic the role of banks have sustained losses. Furthermore, they’ve had to restrict withdrawals from investors, sparking concerns of weaknesses in the global financial system. You might have read about these problems repeatedly over the past half year. It’s called…
Here’s our list of P2P lending companies that we are aware of that you can lend through from overseas, i.e. outside the UK. And there’s another list below of those that we know you can’t. In addition to any requirements below, you may only open…
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.
History has shown so far that when P2P lending sites close, most of them continue to disburse to lenders their loan repayments and interest without large blips. They wind down gradually until everything is repaid. (Although, as usual, you can suffer losses from bad debts…
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.
How do P2P lending providers and similar companies offering online direct lending-type opportunities perform in terms of complaints their customers make to the powerful, consumer-friendly Financial Ombudsman Service? There are no P2P lending companies making it into the Big Lists The Financial Ombudsman Service publishes…
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…
An online direct lending platform called Shojin has gone bust, as it could no longer pay all its bills. Its directors chose to place its business in administration. That means that specialists (called “administrators”) have been appointed to wind it down. The administrators have stated…
Loanpad’s Premium Account/Premium IFISA received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest with zero losses. Visit Loanpad* or keep reading the Loanpad Review.
The most powerful thing you can do when lending is spread across a lot and lots of loans. If you’re looking to swiftly deploy your money into hundreds – or even thousands – of individual loans, I’ve made a shortlist based on what I understand…
Last week, CrowdProperty published its annual accounts for the 12 months up to March 2025. Losses potentially up five-fold to £1.5 million It seems very likely that CrowdProperty made another loss in its corporate year ending in early spring 2025. My best estimate is the…
I have a lot of professional and some personal experience with the Financial Ombudsman Service (FOS), all of it good. This powerful and excellent service has helped millions of people to win compensation. The FOS handles complaints about financial businesses that are regulated by the…
CrowdProperty has just made a lot of changes to its terms and conditions. Apart from simplifying them a lot – they really are an awful lot easier to read, which is great – there are substantive points that I want to bring to your attention….
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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