Funding Circle is currently returning cashback to lenders, taken out of the borrowers’ fees, in a few select loan auctions. The loans are listed as A+, which is Funding Circle’s highest borrower grade. Although Funding Circle conservatively estimates that 0.6% of these loans will go…

The P2P lending companies pitching themselves as lowest risk and easy-to-use all have the best records – with no lenders losing any money. These companies all have bad-debt provision funds: that’s a pot of money in reserve to pay you back in case a borrower…

Landbay* is the first peer-to-peer provider to focus exclusively on mortgages to the buy-to-let sector. In a recent report  entitled “Democratising Mortgage Lending”, commissioned by Landbay and written by Wrigglesworth Consultancy, Wrigglesworth wrote: “To illustrate the robustness of its portfolio of buy-to-let loans we have stress…

Ratesetter, the low-risk consumer loans p2p lending company, has announced that it is taking over GraduRates‘ loans. GraduRates is a P2P lending company targeting postgraduate borrowers. Full financial regulation is starting next year and so Gradurates has decided to wind down its loan book rather than meet…

In a recent blog, Rhydian Lewis explained how his P2P lending company is expanding to lend to more different types of customers. The founder of RateSetter, the largest consumer loans P2P lending company when measure by monthly loans, showed how they have progressed beyond lending to…

Here are the latest high-rate loans that are open for you to bid on from rebuildingsociety, the P2P lending company that finances riskier loans to businesses. Update on 21/12/2014: all the loans below are now fullly funded, but you can still under-cut bids from other…

LendInvest, the largest property P2P lending company, has just reduced its minimum lending amount from £10,000 to £1,000, bringing it into the reach of many more lenders. LendInvest will also soon enable automatic lending and the ability to sell your loan parts to others. In…

The financial regulator’s review of independent financial advice has shown “early indications” that advice has improved and some of the costs have come down since a major change in how advisors make money. Financial advisors were banned from taking commission from Pension, ISA and other investment providers two years…

Generally speaking, savings accounts don’t come close to beating the interest rates being offered by P2P lending companies. However, from time to time you can find good accounts that come close enough to take a look. Great savings accounts for older people National Savings &…

HM Treasury has concluded a two-month consultation on the best way to implement the inclusion of P2P loans with ISAs. Various options are being considered including creating a third type of ISA or including P2P lending as an option within a stocks and shares ISA….

Funding Circle is currently returning cashback to lenders, taken out of the borrowers’ fees, if you take part in the loan auctions listed below. All the loans are listed as A+, which is Funding Circle’s highest grade. Barely a dozen A+ loans out of more…

Landbay, a property P2P lending company with automatic diversification across different regions and a bad-debt provision fund, has been added to the first ever P2P lending benchmark. With the addition of this lower-risk, lower-rate P2P lending company, the 4thWay® P2P Forecast Returns Index has fallen today from…

This article was corrected on 14 December. Previoulsy, we had recorded Wellesley’s new one-year rate as 4% (before cashback) when it should have been 3%. On Monday 15 December, Wellesley & Co., a property P2P lending company with a zero bad debt record and a bad-debt…

We’ve had a few questions from you and so we put them to a P2P lending company so you can get answers right from one of the horses’ mouths. Aldwyn Boscawen of Wellesley & Co.* managed to squeeze out some time to answer your questions….

New P2P lending company Fruitful launched quietly a couple of weeks ago to “invited” lenders with a promise of a minimum of 5% above Bank of England base rate. It currently pays 6%. When Fruitful becomes more widely available, it will provide protection to your…

In a recent report for Landbay, Andrew Hagger of MoneyComms set out his concerns for the P2P lending industry and for individual lenders as the industry grows, as well as his solution: “It’s vital that robust risk management procedures are maintained as the sector expands. “With…

Andrew Hagger of MoneyComms, formerly a spokesperson for Moneyfacts, has written a report into P2P lending, commissioned by Landbay. Hagger set out his views on the sort of P2P lending companies you should lend through if you’re new to P2P lending, and which specific companies fit the bill: “If I…

Bondora, the European personal loans P2P lending company, has devised a system to make it easier for lenders in the UK or elsewhere to compare the risks of lending across Europe, including in countries with far higher interest rates. To do this it will soon being…

Funding Circle, the oldest and largest business and property P2P lending company in the UK, has conducted analysis on how well lenders are able to sell their loan parts to other lenders when they want to get out early. Selling business loan parts Roughly 70%…

Lending Works has been added to the 4thWay® P2P Forecast Returns Index, which shows current average expected returns in P2P lending. Lending Works is a small but rapidly growing P2P lending company that is transparent on its rates, so we have been able to swiftly…