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Why You Might Be Missing Out On Instant IFISA Diversification

We have a guide on 4thWay that shows how you can open as many IFISAs as you want in the space of a few months, saving you on tax and helping you spread your money very quickly. But you might have to educate someone to do it. Because you can’t be certain everyone working at… Read more

Proplend Launches New Lending – Effectively To The Government

Visit Proplend* has only ever introduced one new type of loan in its seven-year history. Everything it has done over the years shows that it prioritises quality lending that it understands above rapidly growing its own business. For just the second time, it’s just introduced a new type of lending: VAT loans. I interviewed both… Read more

In Search Of Contradictory Information

In assessing lending risks, it’s useful when you uncover contradictory information on a P2P lending company. So, today, I’m going to list a variety of very typical contradictions that we see, using real-life examples. I’ll help you learn how to spot them and give you some ideas on what to do with that information. About… Read more

Loanpad Now Profitable After Tripling Loan Book

Loanpad*, the bridging and development P2P lending company with the strictest lending standards in the industry, has tripled the total amount lent through its platform in 12 months to reach profitability in June 2021. It has reached this stage very quickly, as it only approved its first loan in 2018. Are profits stable? Loanpad tells… Read more

Proplend Team Gets Another Upgrade

Every year, or so it seems, one of 4thWay’s specialists conducts an interview with a new head of credit at Proplend*. The 4thWay team then throws in some additional background research. Each time, the conclusion is that the key decision maker in the lending team has been substantially upgraded. This time, 4thWay’s specialists think it’s… Read more

What You Need To Know About P2P Bridging Lending

Perhaps half of P2P lending companies in the UK offer bridging lending, so it’s an extremely popular type of property loan to lend in. It’s not only a very distinct kind of lending, but the risks vary massively between different providers. Today, I’m writing about this type of P2P lending’s distinguishing features. So what is… Read more

BLEND Network Review

The BLEND Network review has recently been updated by one of  4thWay’s specialists. BLEND Network Review Interest rates look good and its first few years have got off to a fantastic start What is BLEND Network? Through BLEND Network, you are lending to fund property developments. BLEND Network also does bridging loans, but these are… Read more

The Impact Of Inflation On P2P Lending Results

The UK annual inflation rate has risen to 3%, after dropping below the 20-year average of 2% (or, rather, 1.999%) for 21 months in a row up to April 2021. With many countries have recently seen rising inflation, and with nearby Germany recently reporting a 4.1% annual increase in prices, I thought now was a… Read more

Update On Kuflink’s Financial Results And Auditor Reports

Kuflink* is now up-to-date in publishing all its company accounts at the UK’s companies registrar, after long delays. I’ve looked into its recent financial results, its independent auditor reports – which were especially important this time round – and other matters. Recent results Kuflink’s latest accounts are made up to 30 June 2020, which we… Read more

The Mind-Blowing Economics Of Rebuildingsociety Lending

At 4thWay, we’re fascinated by the unusual nature of Rebuildingsociety’s loan book. No high-street bank dataset we’ve ever seen comes close to this kind of profile and nor do any other P2P lending companies. The loan book defies belief. Borrower grading has historically sucked. Bad debts are exceptionally high and recoveries of said debt completely… Read more

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Today’s average interest rates

4thWay® Forecast Returns Index: 4.59%

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

×

We make no money from reviewing CapitalRise. Weeks of man-hours and expertise has gone into it. (Interviews, reviewing facts, programming bespoke analysis software, manual data analysis…) Millions of pounds are invested in P2P lending accounts each year on the basis of our research. That’s why we ask for a small donation by clicking this text. Even just contributing £10 per £1,000 you invest (1%) helps.

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