Update on Proplend

Here’s a quick update on Proplend. Proplend’s finally gone and got itself a bad debt Proplend* has finally had its first loan funded by individuals turn bad, out of £70 million in lending and around 90 loans over five years. Enough time has passed that…

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…

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…

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…

Lendy Sends Shockwaves But No Surprises

From our point of view, it was never a good start for  Lendy, formerly called Saving Stream. Since the beginning, it never passed the basic, simple tests cited in principles one and three of 4thWay’s 10 P2P Investing Principles. In short, Lendy hasn’t provided enough…

CrowdProperty Opens Up On Its Performance

We have some rare information about CrowdProperty‘s performance and it looks like it is finally opening up, allowing a wee bit of analysis of some the risks. This is great for me, because I’ve suspected that this is one of the rare P2P lending sites…

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,…

HNW Lending Continues To Produce The Goods

New loans continue to include a high proportion of very attractive senior loans under 50% LTV. (If you don’t understand what that means for lenders, I’ll explain below.) HNW Lending acts rapidly to recover debts that might turn bad, which dramatically improves bad-debt recovery results….

Proplend: Now You Can Auto-Lend On 50% LTV Property Loans

Proplend has launched an auto-lend feature for its “tranche A” property loans, whether you lend through its regular account or its IFISA. Proplend’s tranche A loans are for a maximum of 50% of the property’s valuation. Many loans are against properties that are earning income for…

How New Ratings Have Shaken Up The P2P Lending Comparison Tables

When is a site allowed a rating? All P2P lending sites and P2P IFISA providers that supply enough information about themselves, and that have a long enough history, are assessed to see if they can earn a rating. We’ve listed the providers that have earned…

How We’ve Improved The 4thWay PLUS Ratings

[orangebox title=”Page Summary – 2 Minute Read”] 4thWay’s credit-investment specialists, bank risk-modelling experts and investors first developed the peer-to-peer lending and P2P IFISA ratings system in 2014. 4thWay PLUS Ratings incorporate both the rewards – the interest you earn – as well as the biggest risk…

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…

Wellesley Update Since The 2017 Sell Tip

I’m very much in the “sell Wellesley” camp for the dozens of reasons mentioned in an article on Wellesley by one of 4thWay’s experts early last year, as well as in information elsewhere on the 4thWay site. At every turn, we encounter conflicting, ambiguous or…

What Is Secured Business Lending?

Secured business lending is when borrowers have to put up assets as collateral on their loans. Those assets protect the lenders – in this case, I mean individual lenders like you and me, using P2P lending sites. Assets are things of value like properties, machinery,…

Why Doesn’t 4thWay List LendInvest, Brickowner or PropertyCrowd?

Some 4thWay users asked us about three P2P lending sites missing from the 4thWay comparison tables, and about a fourth P2P lending site that has been proving frustrating. Here are their questions and our answers. S Smith, 4thWay user: I think your website is very…

How To Pick P2P Property Development Loans

Development loans offer attractive interest rates of 8% or more, secured on land and property, so they are appealing to lenders. Most property P2P lending websites focus on development loans more than other kinds of property loans. (See sidebox, right, to find out what development…

What I Think Of Assetz Capital’s Property Secured Investment Account

At first glance, Assetz Capital’s* Property Secured Investment Account looks pretty much like what I always thought its Great British Business Account was really meant to be. Its British business account describes itself as lending in loans that are “usually” backed by land and property,…

Buy Tip: Why You Should Lend Through CapitalStackers

There are very few P2P lending sites that have given me the feeling of 100% honesty and openness that we at 4thWay also aim for, but I certainly feel that from CapitalStackers. Jumping through hoops For a P2P lending site to get listed on 4thWay,…

Wellesley Is Still A Sell

Scott is a 4thWay reader to whom I am grateful since he takes the trouble to send us much needed feedback. (Hint hint. You can send your praise, requests and constructive criticism to allofus@4thway.co.uk. Thanks!) Scott just asked me if, in the light of new…

The Safest Type Of Lending

The safest type of lending is lending to borrowers who own investment properties. This means lending to landlords who own and rent out any of the following: Residential properties (houses and flats). Shops. Offices. Factories. Car parks. Workshops. Other land or properties. What makes investment-property lending…

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