Some lenders choose to lend through a type of pension called a self-invested personal pension, or SIPP. These are many and varied, but they often give investors an expanded choice of what they can invest in, albeit for a high price. SIPPs have historically suffered…
The process of money lending has been very profitable for thousands of years, even before computers and credit reports. There have been credit-reference agencies since the mid-1800s. From then onwards, it has become increasingly easy to assess borrowers and decide what interest rates to charge…
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…
My team and I have been assessing P2P lending accounts since 2014 and we continue to have a 100% record. (We won’t always get all the most important calls right – that’s impossible in investing – but we expect that we almost always will.) My…
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.
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*…
Two platform heads have recently mentioned to me the surprisingly large tremor caused by Trussonomics on development lending, which is still having knock-on consequences. But that’s far from the only thing to hit this sector: the continued loss of construction workers from Brexit, recent high…
History has shown so far that when P2P lending sites, close, few of them end up paying reduced returns to lenders as a result of closing down and winding down loans until they’re repaid. (Although, as usual, you can suffer losses from bad debts after…
Lendwise’s IFISA And Classic Account has received an Exceptional 3/3 4thWay PLUS Rating. These loans are expected to pay lenders around after bad debts. Visit Lendwise* or keep reading the Lendwise Review.
When loans fall into arrears or even turn bad – i.e, they “default” – you continue to earn interest. Most of the time, even if the borrower’s property ultimately needs to be repossessed and sold, lenders get all their money back as well as all…
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . That’s before bad debts, although historically losses have been virtually zero. Visit Somo* or keep reading the Somo Review.
You’ll have noticed that P2P lending companies sometimes win awards, which are usually awarded by some sort of publication, with or without an independent judging panel. 4thWay, too, regularly wins industry awards for which I am truly very grateful and glad that we get recognised….
What are the best Innovative Finance ISAs? The best innovative finance ISAs are these nine, which offer a market-leading risk-reward balance: Assetz Exchange IFISA. (Minimum £1 per loan.) CapitalRise IFISA. (Minimum £1,000 per loan.) CapitalStackers IFISA. (Minimum £2,500 per loan.) CrowdProperty IFISA. (Minimum £500 that…
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.
The main peer-to-peer lending risks are: Yourself (psychological risk). Not enough diversification (concentration risk). Losing money due to bad debts (credit risk). Losing money due to a P2P lending site going bust (platform risk). Losing money due to a solvent wind down (more platform risk)….
CrowdProperty’s Bridging & Development loans received an Exceptional 3/3 4thWay PLUS Rating. This account has recently been paying lenders interest after bad debts. Visit CrowdProperty or keep reading the CrowdProperty Review.
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…
Two great have had a cascade of effects throughout this guide, so there are lots of updates. Those changes are: You can now make new contributions into as many IFISAs as you want, at any time. The last of the restrictions on partial transfers of…
The key risks in IFISAs are: Psychological risk: your own greed and fear. Concentration risk: you don’t spread your money across lots of loans and P2P lending sites. Credit risk: borrowers don’t repay you. Platform risk: the P2P lending site (the “platform”) goes bust and…
We told HMRC that, reading the rules for ISAs, “they don’t actually prohibit people opening multiple IFISAs in one tax year, provided they only subscribe new money to one of them”… Do they? A representative from HMRC has told us this “looks correct”. That’s about…
The author is not a lawyer or tax specialist and 4thWay’s content does not constitute advice.
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