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Biiiiig Growth Street Update On Bad Debts, Reserve Fund And Super-Large Loans

My main research focus over the past few weeks has been on re-interviewing Growth Street*, probing for more details, and pushing it for better quality data. This article covers all that, with my usually candid opinions thrown in. Check out my three-minute summary and, if you are really interested in Growth Street, slog through the… Read more

Growth Street ISA: Is It P2P, What Are The Risks & Does It Beat The Classic Account?

There’s a lot for lenders to learn about the Growth Street ISA, launched in 2019. Take a dive into all the important aspects right here, and find out how it compares to the Growth Street’s ordinary lending account. The Growth Street ISA is covered by the reserve fund Just ticking off a simple point first,… Read more

How To Lend Across Multiple IFISAs In One Year!

As you may know, you can only open one IFISA in a tax year, which runs from 6th April to 5th April, and this limits your ability to spread your money and the risks across lots of provider. But you’re wrong! You are actually allowed to open lots of IFISAs in one tax year. The… Read more

P2P Lending And IFISA Cashback Deals Available Now

Some P2P lending sites currently offer attractive cashback deals for new lenders of up to £250 or 10%. A P2P lending site should convincingly pass a lot of tests before you trust it with your money. Accepting cashback bribe with your ordinary peer-to-peer lending accounts or your IFISAs is usually way, way down at the bottom of… Read more

Lending Works Review

Below is the latest Lending Works review given by one of 4thWay’s experts. 4thWay’s quick expert Lending Works review Great risk-reward balance, large reserve fund, and insured loans When did Lending Works start? Lending Works started in early 2014 and has completed  in personal loans. What interesting or unique points does Lending Works have? Lending Works* has… Read more

Extra Risk In Buying Second-Hand FundingSecure Loans

With most P2P lending sites, the interest is paid to the original lender and any new lender buying second-hand loan parts just buys the actual loan part. The extra risk for FundingSecure that I have identified in this following article also likely applies to BLEND Network. When a borrower repays early However, with FundingSecure, when… Read more

Does Landbay’s £1 Billion Deal Affect You?

Landbay has just announced that a “major financial institution” will lend another £1 billion through it. Landbay has previously arranged over £300 million in loans, with most of that coming from regular lenders. I asked Landbay* some of the key questions that our experts at 4thWay use when gathering information about institutional lending. Here is… Read more

Is Institutional Lending In Peer-To-Peer Good For You?

Landbay announced yesterday that a “major financial institution” is going to lend £1 billion through it. But what is peer-to-peer institutional lending, how widespread is it, and, the key question: Is institutional lending a good or bad sign for individual lenders doing P2P? I’ll get to that. I must warn you that this is a… Read more

25 Property Peer-to-Peer Lending Websites

A few property peer-to-peer lending websites offer loans that are intrinsically low risk, such as homeowner mortgages, residential buy-to-let mortgages and commercial buy-to-let mortgages. In other words, the properties are receiving rent. Other property peer-to-peer lending websites offer loans that are intrinsically higher risk, such as development loans and bridging loans. (See sidebox, below right, on “What are bridging… Read more

Loanpad Review

Here’s the Loanpad review from one of 4thWay’s experts: 4thWay’s Quick Expert Loanpad Review Auto-spread your money across loans backed by property 2-3 times greater than the loan size When did Loanpad start? Established in 2018, lenders have lent around . What interesting or unique points does Loanpad have? Loanpad* partners with a family firm that’s… Read more

Today’s average interest rates

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

×
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