However, I’m not going to remind you what the latest property-price forecasts from the UK’s best-known economists are for 2025 or the next 12 months. If you want to know, you’ll have to look them up yourselves. Here’s why… What happened in 2024? To start…
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…
This content today is extremely different to normal, but I need to get it out, as it’s pressing on my mind. Unusually, this page is not about a cold assessment of an investment provider or lending tips. Instead, it’s all about me. I have to…
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…
Lendwise’s lending accounts are unrated. These loans are expected to pay lenders around after bad debts. Visit Lendwise or keep reading the Lendwise 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.
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.
Kuflink’s Auto-Invest 2 Year Account received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest. Visit Kuflink* or keep reading the Kuflink Review.
Both Invest & Funds accounts received an Exceptional 3/3 4thWay PLUS Rating. The standard account and the IFISA have been paying . Visit Invest & Fund* or keep reading the Invest & Fund Review.
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)….
What are the best Innovative Finance ISAs? The best innovative finance ISAs are these nine, which offer a market-leading risk-reward balance: CapitalRise IFISA. (Minimum £1,000 per loan.) CapitalStackers IFISA. (Minimum £2,500 per loan.) Housemartin IFISA. (Minimum £1 per loan.) Invest & Fund IFISA. (Minimum £2,500,…
CapitalStackers’ Property Lending Account/IFISA currently has two alt ratings of secured and hidden gem, as we have no doubt it will receive the top 4thWay PLUS Rating soon, when its history is sufficient. These loans have been paying lenders an average interest before 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.
Your main protection is that loans and cash are segregated Firstly, lets get a sense of proportion. Because FSCS protection here is actually a very minor point. If you have loans at a P2P lending company or if that site is holding some of your…
Lande* was the first ever P2P lending company in either the eurozone or continental Europe to be fully assessed by 4thWay. What does Lande do? Lande’s borrowers are Latvian, Lithuanian and Romanian businesses – mostly farmers. The loans usually secured on the farmer’s land or…
With double-digit realised gains so far, returns of 20%+ highly possible, and being unaligned with recessions and property crashes, why wouldn’t you consider this opportunity? Before you read on, AxiaFunder is available to you only if you have invested at least £10,000 in unlisted investments…
Blend’s Development And Property-Secured Business Loans are unrated, due to lack of information. These loans have been paying lenders around . Visit Blend or keep reading the Blend 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.
We’ll show you: Why buying and selling loans won’t always be speedy, and can sometimes be nigh-on impossible. What the delays cost you and how long they might last. The silver lining: that your risks actually come down due to slow lending and good investing…
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. This guide is accurate to 2025. Here goes:…
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.
We are not financial, legal or tax advisors, which means that we don't offer advice or recommendations based on your circumstances and goals.
The opinions expressed are those of the author(s) and not held by 4thWay. 4thWay is not regulated by ESMA or the FCA. All the specialists and researchers who conduct research and write articles for 4thWay are subject to 4thWay's Editorial Code of Practice. For more, please see 4thWay's terms and conditions.
*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 CapitalRise, CapitalStackers, Housemartin, Invest & Fund, Kuflink, Loanpad and Proplend, 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.
**We put any and all P2P lending sites in our comparison table as soon as they provide us with over 100 data points and discuss their processes and key people with us.
