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Octopus Choice Review

Here’s the Octopus Choice review from one of 4thWay’s specialists: 4thWay’s Quick Expert Octopus Choice Review Offers something different that could add to your current P2P lending. Established in 2016, lenders using Octopus Choice have lent  to property borrowers. It’s part of the Octopus Investments group, which manages £6 billions pounds-worth of investments and has been… Read more

Best Innovative Finance ISAs In 2021

What are the best Innovative Finance ISAs? I have pulled out all of the IFISAs on the market that meet very high standards and have extremely good prospects for lenders. In selecting the best Innovative Finance ISAs in 2021 – or indeed in any year – I want to see excellent historical results, strict standards when… Read more

RateSetter Review – Investment Analysis By 4thWay

4thWay’s RateSetter Review RateSetter is sold to Metro Bank and repays all lenders with a profit RateSetter itself was sold to Metro Bank in 2020 and was no longer available to new lending. In early 2021, RateSetter’s P2P loans were sold to Metro Bank. All lenders in RateSetter made a profit on their lending since… Read more

Sourced Capital Review

One of 4thWay’s specialists has written a Sourced Capital Review, summarising the key points. It will probably take 10-12 minutes to read the whole thing. 4thWay’s Quick Expert Sourced Capital Review Tight core lending standards temper its short history, although less sales talk and more substantial information is needed over the coming months. What is… Read more

Invest & Fund Review

Here’s the Invest & Fund review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Invest & Fund Review Invest & Fund is the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance… Invest & Fund Review: their best-rated product This… Read more

Zopa Review – An Analyst’s Review Of Zopa For Investors

This is an analytical Zopa review for lenders (otherwise known as investors). You can also visit our peer-to-peer lending comparison tables or IFISA tables to see how Zopa compares. 4thWay’s Zopa Review The oldest peer-to-peer lending website shows its maturity in its results. Full Zopa review: starting with Zopa news Turning to what’s new in… Read more

Funding Circle Review In 2021 For Investors

4thWay’s Funding Circle Review Key findings for my Funding Circle Review My gut feeling about Funding Circle is sort of positive, but sadly not supported by enough information. With less information now coming from Funding Circle, it’s become a touch too difficult for lenders and independent analysts to assess its performance and ability. This Funding… Read more

CrowdProperty Review

Here’s the CrowdProperty review from one of 4thWay’s experts: 4thWay’s Quick Expert CrowdProperty Review Development lending as a low risk, high-interest rate opportunity CrowdProperty Review: their best-rated lending account This account has been paying interest after bad debts. Read about the 4thWay PLUS Ratings, compare more peer-to-peer lending accounts or visit CrowdProperty. When did CrowdProperty… Read more

Update on HNW Lending’s Pause In Lending

For the full story on HNW Lending, read the HNW Lending Review. Update on 15th October, 2020 The initial article from August is below, but here’s an update as of 15th October, 2020. HNW Lending has informed 4thWay that, roughly two weeks ago, the FCA said it’s “a matter of weeks not months now” before… Read more

Proplend Hits £100 Million As Loanbook Stands Firm Against Disease

Proplend has just reached £100 million in lending since it started in 2014. This seems to me to be an apt time to take a look at its rate of growth and how it’s changed, especially regarding risk level, as well as to take another look at its results so far. Proplend’s results so far… 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.
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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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