Proplend Review

Proplend’s Tranche A, 0-50% LTV Lending Against Property Mostly Receiving Rent received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying interest after bad debts. Visit Proplend* or keep reading the Proplend Review.

HNW Lending Review

HNW Lending’s Property & Asset Lending Averaging 55% Average LTV received an Exceptional 3/3 4thWay PLUS Rating. This manual lending account is paying around interest after losses from bad debts. Its auto-lend account pays 7% with additional borrower interest covering rare losses. Visit HNW Lending*…

Lendwise Review

Lendwise’s IFISA And Classic Account has received an Exceptional 3/3 4thWay PLUS Rating. These loans are expected to pay lenders around after bad debts. Visit Lendwise* or keep reading the Lendwise Review.

Which P2P Lending Sites Are Profitable?

History has shown so far that when P2P lending sites, close, few of them end up paying reduced returns to lenders as a result of closing down and winding down loans until they’re repaid. (Although, as usual, you can suffer losses from bad debts after…

Somo Review

Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . That’s before bad debts, although historically losses have been virtually zero. Visit Somo* or keep reading the Somo Review.

The 9 Best Peer-To-Peer Lending Accounts In The UK 2024

My team and I have been assessing P2P lending accounts since 2014 and we continue to have a 100% record. (We won’t always get all the most important calls right – that’s impossible in investing – but we expect that we almost always will.) My…

How Much Should You Trust “Award-Winning” P2P Lending Companies?

You’ll have noticed that P2P lending companies sometimes win awards, which are usually awarded by some sort of publication, with or without an independent judging panel. 4thWay, too, regularly wins industry awards for which I am truly very grateful and glad that we get recognised….

Best Innovative Finance ISAs In 2024

What are the best Innovative Finance ISAs? The best innovative finance ISAs are these nine, which offer a market-leading risk-reward balance: Assetz Exchange IFISA. (Minimum £1 per loan.) CapitalRise IFISA. (Minimum £1,000 per loan.) CapitalStackers IFISA. (Minimum £2,500 per loan.) CrowdProperty IFISA. (Minimum £500 that…

Assetz Exchange Review

Assetz Exchange’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 Assetz Exchange* or keep reading the Assetz Exchange Review.

The 13 Key Peer-To-Peer Lending Risks

The main peer-to-peer lending risks are: Yourself (psychological risk). Not enough diversification (concentration risk). Losing money due to bad debts (credit risk). Losing money due to a P2P lending site going bust (platform risk). Losing money due to a solvent wind down (more platform risk)….

CrowdProperty Review

CrowdProperty’s Bridging & Development loans received an Exceptional 3/3 4thWay PLUS Rating. This account has recently been paying lenders interest after bad debts. Visit CrowdProperty or keep reading the CrowdProperty Review.

IFISA Guide Up to 5th April 2024

We have nagged the taxman’s notoriously tight-lipped officials, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions, as well questions you never thought to ask. Here goes: What is an IFISA? An IFISA…

The Peer-To-Peer IFISA Guide

Two great have had a cascade of effects throughout this guide, so there are lots of updates. Those changes are: You can now make new contributions into as many IFISAs as you want, at any time. The last of the restrictions on partial transfers of…

IFISAs: What Are The Risks?

The key risks in IFISAs are: Psychological risk: your own greed and fear. Concentration risk: you don’t spread your money across lots of loans and P2P lending sites. Credit risk: borrowers don’t repay you. Platform risk: the P2P lending site (the “platform”) goes bust and…

Loanpad Review

Loanpad’s Premium Account/Premium IFISA received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest after zero bad debts. Visit Loanpad* or keep reading the Loanpad Review.

CapitalRise Review

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.

UK Peer-to-Peer Lending For Overseas Residents

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…

List Of All The Peer-To-Peer Lending Companies In The UK

The number and type of P2P lending companies operating from the UK changes regularly. We keep this page updated every quarter. On this page, you’ll find: Full alphabetical list of the peer-to-peer lending companies in the UK. Which includes: – What types of lending they…

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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*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from Assetz Exchange, AxiaFunder, CapitalRise, CapitalStackers, HNW Lending, Invest & Fund, Kuflink, Lendwise, Loanpad, Proplend and Rebuildingsociety, and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.

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