Blend Review
Blend’s Development And Property-Secured Business Loans are unrated, due to lack of information. These loans have been paying lenders around . Visit Blend or keep reading the Blend Review.
Proplend Review
Proplend’s Tranche A, 0-50% LTV Lending Against Property Mostly Receiving Rent received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying interest after bad debts. Visit Proplend* or keep reading the Proplend Review.
Is Somo Truly P2P Lending?
Peer-to-peer lending is not a regulated phrase. By 4thWay’s definition, any online lending company is peer-to-peer if it structures itself and its loans to offer the same level of protection as direct lending, in order to protect lenders in the event that the lending company…
Loanpad Review
Loanpad’s Premium Account/Premium IFISA received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest after zero bad debts. Visit Loanpad* or keep reading the Loanpad Review.
Invest & Fund Review
Invest & Fund Lending Account received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying in the regular P2P lending account after fees. It pays in the IFISA, due to slightly higher fees. Visit Invest & Fund* or keep reading the Invest &…
CapitalStackers Review
CapitalStackers’ Property Lending Account/IFISA currently has two alt ratings of secured and hidden gem, as we have no doubt it will receive the top 4thWay PLUS Rating soon, when its history is sufficient. These loans have been paying lenders an average interest after bad debts. Visit…
CapitalRise Review
CapitalRise’s Bridging & Development Loans have earned the Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around interest after bad debts. Visit CapitalRise* or keep reading the CapitalRise Review.
House Prices Aren’t Impacting P2P Lending
Falls in house prices in seven of the past 10 months (according to both Halifax and Nationwide) have not perceptibly impacted overall annualised lending results at P2P lending platforms. While price changes can have delayed effects, the future also looks very healthy for lenders using…
The P2P Lending Accounts Offering Powerful Extra Protections
The main ways that peer-to-peer lending providers protect you from losses are really important. They involve assessing the borrowers properly and setting interest rates appropriately. For property lending, it also means assessing the property put up as security correctly. On top of that, you as…
24 Peer-To-Peer Property Lending Websites
You have dozens of choices when it comes to peer-to-peer property lending. As far as we know, we’re listing every single one of your choices on this page that we call “P2P”. A small number of P2P property lending websites offer lending that is usually…
CrowdProperty Review
CrowdProperty’s Bridging & Development loans received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying lenders interest after bad debts. Visit CrowdProperty or keep reading the CrowdProperty Review.
Assetz Exchange Review
Assetz Exchange’s P2P Lending Account And IFISA And Classic Account has earned an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around of the loan amount in interest, after bad debts. Visit Assetz Exchange* or keep reading the Assetz Exchange Review.
HNW Lending Review
HNW Lending’s Property & Asset Lending Averaging 55% Average LTV received an Exceptional 3/3 4thWay PLUS Rating. This manual lending account is paying around interest after losses from bad debts. Its auto-lend account pays 7% with additional borrower interest covering rare losses. Visit HNW Lending*…
The Inaccuracy Of Property Price Forecasts
Last month, Halifax forecast 8% falls in property prices to come in 2023, taking prices back to April 2021 levels. Nationwide also logged a fourth month in a row of price falls in December. Let me put this bluntly: all of that is of no…
The 5 Most Property Crash-Resistant P2P Lending Accounts
Nationwide says we’ve just had four months in a row of falling property prices. To some people, that means there are more falls to come. My colleague has expressed his views on that in a separate piece. But some peer-to-peer lending accounts seem almost deliberately…
2 P2P Lending Accounts Improve Their 4thWay Risk Scores
We’ve slightly upgraded our 4thWay PLUS Ratings methodology over the past five weeks and reassessed the lending accounts that provide us with the data and access to apply our calculations. This upgrade impacts property P2P lending accounts, making it a little bit tougher to get…
Assetz Capital Review
Assetz Capital’s 90-Day Access Account continues to earn an Exceptional 3/3 4thWay PLUS Rating. After bad debts, which are usually paid for by a reserve fund, Assetz Capital is targeting for lenders. Visit Assetz Capital or keep reading the Assetz Capital Review.
Assetz Capital Is Back!
Assetz Capital announced in July that the long-lasting lending queue to put new money in its automated accounts finally started to shrink. More recently it has announced that all the money that had been waiting has now been put to work. Lending flows released due…
Rising Mortgage Rates: Their Impact On P2P Lending Bad Debts & On House Prices
Lenders who subscribe to 4thWay are asking about P2P borrowers’ ability to pay back their P2P loans, while their home mortgage costs are going up. Rising rates can also potentially knock house prices down, so I’m covering that too. Especially with latest headlines on falling…
How A Property Crash Will Hit P2P Property Lending
Naturally, we can’t know the answer to the question in the title precisely, because every major economic event is unique, coming with different causes, different factors happening at the time. However, investors need to invest – and lenders need to lend – with a large…
Independent opinion: 4thWay will help you to identify your options and narrow down your choices. We suggest what you could do, but we won't tell you what to do or where to lend; the decision is yours. We are responsible for the accuracy and quality of the information we provide, but not for any decision you make based on it. The material is for general information and education purposes only.
We are not financial, legal or tax advisors, which means that we don't offer advice or recommendations based on your circumstances and goals.
The opinions expressed are those of the author(s) and not held by 4thWay. 4thWay is not regulated by ESMA or the FCA. All the specialists and researchers who conduct research and write articles for 4thWay are subject to 4thWay's Editorial Code of Practice. For more, please see 4thWay's terms and conditions.
*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from CapitalStackers, Invest & Fund, Kuflink, Loanpad and Proplend, and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
