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Predicting the Property Market For P2P Lending

Certainly, it’s not much of a prediction to guess that, over the long term, house prices will rise. I mean that’s very clear. So I’m concerning myself today with short-term house prices, which can be more relevant when lending anyway. House-price movements change the risks in lending, especially property lending. Rising house prices help to… Read more

Rebuildingsociety Lenders In 200+ Loans Have Positive Results

One of 4thWay’s specialists will update the Rebuildingsociety review next month and you can expect a huge amount of updates to it. And certainly a lot more detail and opinion than I’m about to give you today, as I’m just looking at one small aspect of this business lending P2P lending site: I want to… Read more

Downing Crowd Review

One of 4thWay’s specialists has written a Downing Crowd Review, summarising the key points, so that you can read it in under five minutes: 4thWay’s Quick Expert Downing Crowd Review Downing Crowd could make a nice addition to your lending portfolio. What is Downing Crowd? Downing Crowd does loans to UK businesses that own property or… Read more

4thWay’s 10 P2P Investing Principles

Throughout this site, we call lending, “lending”. Funnily enough. But that word can sound a bit casual and easy. Like you’re giving some chums, some fellow neighbours or local businesses, a bit of cash in return for a bit of interest. A simple income on the side where everyone’s a winner. There is a social… Read more

What Investors Can Learn From RateSetter’s Sale To Metro Bank

RateSetter and Metro Bank have done a deal: RateSetter has been sold to Metro. RateSetter’s existing lenders will see their existing loans paid off while borrowers meet their repayments, as usual. Buto new lending will occur through the platform. Metro Bank will use RateSetter’s lending infrastructure to grow its own lending. I want to tell… Read more

4thWay’s Users Rate Us 9.3/10 – It’s All About Our Results

In a poll of our users, we’re rated 9.3 out of 10! One of the most common forms of feedback we receive is to just keep doing what we’re doing. The results have proven our worth It’s mathematically highly probable that anyone lending for a sensible length of time who has spread their money around… Read more

Funding Circle Reviews By Investors

I have pulled out all the Funding Circle reviews written by investors (lenders) that I can find on TrustPilot and, I don’t mind telling you, it took a very long time. Because online Funding Circle reviews are usually written by borrowers and not lenders. I don’t know how many hundreds – or was it thousands… Read more

The Shortcomings Of Bad-Debt Provision Funds

It is sensible to plan for disaster and one way to do so is to set aside a pot of money to cover losses from bad debts. Several P2P lending websites offer these bad-debt provision funds as part of their defences, such as: Assetz Capital* Growth Street Lending Works* RateSetter Savy Unbolted These pots have… Read more

Is Institutional Lending In Peer-To-Peer Good For You?

“Financial institutions” have increasingly been lending through peer-to-peer lending websites. But what is peer-to-peer institutional lending, how widespread is it, and, the key question: Is institutional lending a good or bad sign for individual lenders doing P2P? I’ll get to that. I must warn you that this is a very big topic. So make sure you’re… Read more

HNW Lending Update On Its Loans During COVID-19

I want to write up my findings from looking at HNW Lending’s most recent data submission to us. This included extra information at our request to highlight any impact on loans due to COVID-19. A quick summary of what HNW Lending does HNW Lending* does bridging lending, which are short-term property loans. Often called a… 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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