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IFISAs

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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

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

IFISAs: What Are The Risks?

The risks in IFISAs include: 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 its wind-down is not perfectly managed. Risk of fraud or negligence…. Read more

The Attractive Way Loanpad Finds Borrowers Vs The Broker Way

Property peer-to-peer lending sites that use loan brokers or regional managers to attract borrowers always require an extra little bit of attention from 4thWay. Brokers don’t just do the initial assessment of a loan. They are also partly salespeople, selling the loans to banks and peer-to-peer lending sites. If not on a tight leash, they… Read more

HNW Lending Review

Here is the most recent HNW Lending review from one of our experts. 4thWay’s Quick Expert HNW Lending Review A “swinger” with a high number of very secure loans and first loss usually paid by its directors HNW Lending Review: their best-rated product This account has been paying interest. Read about the 4thWay PLUS Ratings,… Read more

Create A Balanced ISA Portfolio

This is quite a bit of fun for me today. I’m going to look beyond peer-to-peer lending to my old, very well-trodden stomping ground of shares and savings, where I spent nearly 20 years of my life before peer-to-peer lending took over. If you want to form a portfolio of ISAs containing different kinds of… Read more

4thWay CEO’s 6 Top Property IFISA Picks

A property IFISA is a tax-free investment account where you can lend to borrowers who have real property – real estate – to back up those loans. This piece is based on a vast amount of research over many years. I could have easily made it about the top 10 or even 20 property IFISAs…. Read more

The P2P Lending Site You Should Be Lending Through

One of the P2P lending sites that I think is not used enough by lenders is Lending Works*, which does personal loans to creditworthy borrowers – mostly prime borrowers. Why are lenders ignoring Lending Works? I think Lending Works just doesn’t appear, at first site, to tick all boxes for some lenders. Two boxes in… Read more

ArchOver Overreaches And Its Bad Debts Are Rising

Recently, one borrower at ArchOver* suffered severe trouble. This borrower is so large that I shall argue it represents something like 8% of ArchOver’s entire historical (corrected) loan book. That is too much. What happened with this borrower? Every borrower and every bad debt has its own story – and it is all too easy… Read more

How Lenders Can Pick The Best Loans at HNW Lending

HNW Lending offers many loans with exceptionally high-quality security to protect you against losses. This means that the borrower owns properties or possessions that are easy to value and that are worth much more than the loan amount. For a good proportion of these loans, lenders are also first in line if the borrower has… 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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