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HNW Lending’s Powerful Risk-Reducing Features

Just for a bit of quick background on HNW Lending*, it does short-term property loans and development loans, as well as asset-backed loans (see info box), to individual borrowers who are rich in assets and property. It pays around 6% to 10% interest. There have still been no losses to lenders in tens of millions… Read more

Crowd2Fund Review

Here is a Quick Expert Crowd2Fund Review from one of our experts. 4thWay’s Quick Expert Crowd2Fund Review Fine early results; interesting model for finding prime borrowers Crowd2Fund*, which started in 2015, is still small, barely hitting eight figures in lending, but it is growing rapidly and offering more and more lending opportunities. Its products are… Read more

Update On Crowd2Fund’s Performance

IFISA and peer-to-peer lending website Crowd2Fund, which offers business lending, has this month started publishing a bit more information about how its loans have performed in the three years or so that it has been matching borrowers and lenders together. So I’m taking a look at this information to see what it can already reveal… Read more

What Is The Difference Between P2P Lending And IFISAs?

Peer-to-peer lending is lending directly to individuals or businesses, including, sometimes, property owners. IFISAs is usually the same, with the advantage that any interest you earn and gains you make are always tax free. However, there can be a minor catch to watch out for. Some things in the world of investing can seem horribly… Read more

Landbay Review

I think a lot of amateurs like me can quickly see the appeal in Landbay, but here’s the latest thinking on Landbay from one of our experts. 4thWay’s Quick Expert Landbay Review Strict lending criteria and low-risk BTL mortgages for lenders Landbay has completed over £100 million in residential landlord mortgages since 2014. Internally assessed by… Read more

New 4thWay IFISA Comparison Service Now Live!

We’ve provided you with a lot of information on peer-to-peer lending sites in our very detailed comparison service since 2014. And that includes IFISAs since the first one was released. However, we’ve now created a separate IFISA comparison service to make it easier, and added more information on costs, whether you can transfer in from… Read more

Earn Up To £500 Cashback For Lending Works IFISA Transfers

New Lending Works* IFISA customers can earn between £50 and £500 cashback, if you transfer cash ISA, share ISA or IFISA cash into the Lending Works IFISA. This is a very limited time exclusive offer. Even we don’t know how long we can exclusively offer it to you for, but the estimate is this will last… Read more

Which Is The Best Lending Works Account?

Both of Lending Works’ lending accounts receive the top rating and a highly favourable review from our experts. But I’ll tell you now that there’s not an ocean’s difference between them. Still, if you’re a keen lender, some small differences in repayment timing, interest rates and the risks might interest you enough to read on…. Read more

Landbay Rates Rise, Risks Remain Low

When high-quality peer-to-peer lending websites first start up, they often pay interest rates to lenders that are too generous compared to the risks involved. The risks can be extremely low because, at that stage, the peer-to-peer lending website is so small that it can be fantastically picky about which borrowers to accept. (Assuming it is… Read more

Bad Debts Resurface At Funding Circle

  A long question from 4thWay reader Pete Harper about Funding Circle. Pete Harper, 4thWay user: How do you all feel about Funding Circle and their bad debts these days? I decided about 6 months ago to pull out of FC because of what seemed to be the increasing number of loans that were going… 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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