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23 Peer-to-Peer Property Lending Websites

You have dozens of choices when it comes to peer-to-peer property lending. A small number of property P2P lending websites offer lending that is usually intrinsically low risk. Typically this means lending to borrowers against properties that are receiving rent. This can mean homeowner mortages and loans (although those are very rare in P2P), mortgages… Read more

Who Owns The P2P Lending Sites?

For fast-growing startup companies – which includes most P2P lending sites – being profitable isn’t usually the best measure of whether it will succeed. This is especially the case since most of them are not profitable. And you don’t expect them to be. They need and want to grow rapidly and to do so they have… Read more

UK Peer-to-Peer Lending For Overseas Residents

Here’s our list of P2P lending companies that you can lend through from overseas, i.e. outside the UK. And there’s another list below of those that you can’t. In addition to any requirements below, you may only open an IFISA if you are a UK taxpayer and have an National Insurance number. Overseas investors allowed… Read more

Octopus Choice Review

Here’s the Octopus Choice review from one of 4thWay’s specialists: 4thWay’s Quick Expert Octopus Choice Review Offers something different that could add to your current P2P lending. Established in 2016, lenders using Octopus Choice have lent  to property borrowers. It’s part of the Octopus Investments group, which manages £6 billions pounds-worth of investments and has been… Read more

Where Can You Buy Or Sell Existing Loans?

See a list of all the peer-to-peer lending secondary markets, how much they cost and whether you can buy and sell loans at a discount or premium. A peer-to-peer lending secondary market – or marketplace – allows you to buy and sell existing loans after they have already begun. Why would you do this? Because… Read more

The Peer-To-Peer IFISA Guide

We have nagged the taxman’s notoriously tight-lipped officials, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions, as well questions you never thought to ask. Here goes: What is an IFISA? An IFISA allows you to lend up to £20,000 per tax year (which… Read more

Which P2P Lending Sites Are Profitable?

For many years, 4thWay has had a small, steady stream of requests from our readers to find out which P2P lending companies are profitable – which of them are making money. That’s why we have this guide, which we update kind of regularly. Lenders’ concern is that if these websites are not profitable then they… Read more

Best Innovative Finance ISAs In 2021

What are the best Innovative Finance ISAs? I have pulled out all of the IFISAs on the market that meet very high standards and have extremely good prospects for lenders. In selecting the best Innovative Finance ISAs in 2021 – or indeed in any year – I want to see excellent historical results, strict standards when… Read more

How Useful Are Borrower Guarantees In Peer-To-Peer Lending?

Borrowers provide personal and even corporate guarantees to say that their own personal or other business assets, including cash and their residences, can potentially be called upon to pay off a business debt. The business debt might be a small business loan or a property loan, such as a property-development loan or a residential buy-to-let… Read more

RateSetter Review – Investment Analysis By 4thWay

4thWay’s RateSetter Review RateSetter is sold to Metro Bank and repays all lenders with a profit RateSetter itself was sold to Metro Bank in 2020 and was no longer available to new lending. In early 2021, RateSetter’s P2P loans were sold to Metro Bank. All lenders in RateSetter made a profit on their lending since… 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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