CapitalStackers’ Property Lending Account/IFISA has earned an “Exceptional” 3/3 4thWay PLUS Rating. We forecast that lenders who start lending today will earn an average interest after bad debts, most of the time, although this will vary depending on your specific loans. Visit CapitalStackers* or keep…
Downing Crowd’s Property Development Lending & Wholesale Lending is unrated, due to lack of information. These loans have been paying lenders around interest before bad debts. Visit Downing Crowd or keep reading the Downing Crowd Review.
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…
If you invest by buying shares through the stock market, you can be confident that most of your money is working for you most of the time. And you can reinvest with ease in seconds. It’s extremely rare when this becomes difficult. Not so with…
This is a brief look at all your quality investment options. I also make the case that there’s one form of investment that trumps the rest. And – to be candid – it’s not P2P lending. Four of the five quality investments that everyone should…
P2P lending, IFISA lending and other online lending is pretty simple and straightforward to do well, but only if you do all the routine things right. Neither 4thWay’s lending tips nor any other educational information from us or elsewhere online can save you from disappointment,…
The majority of peer-to-peer and online lending focuses on development lending. That sector has gone through a very rough patch in recent years and I’ve been wondering whether too many individual lenders have not spread across other types of lending. So it’s a good time…
I’m super proud of what 4thWay has done for many lenders and of our record. We have made some mistakes, but our ratings, research and guidance has been very accurate. More accurate than it needs to be for lenders to comfortably make satisfactory returns over…
CrowdProperty’s Bridging & Development loans are unrated. This account has recently been paying lenders interest before bad debts. Visit CrowdProperty or keep reading the CrowdProperty Review.
This review is temporarily down Due largely to resource constraints – now fixed – 4thWay fell quite behind on reassessing and updating some P2P lending providers. This provider is one of them. We’re working fast to catch up and then stay on track now that…
I don’t often write about the ethical, ecological, responsible, “doing good” or social aspects of lending. Hardly anyone clicks on headlines like that. Yet now that I’ve tricked you into this one with my vague title, would you give me a few minutes, as: We…
HNW Lending’s Manual Property & Asset Lending Account, averaging LTV after directors taking first loss, received an Exceptional 3/3 4thWay PLUS Rating. This manual lending account is paying around interest and the average lent is just of the valuation of the borrowers’ properties. Its auto-lend account…
LEND.ch is a Swiss peer-to-peer lending provider offering lending in Swiss francs (CHF). It hasn’t opened up to 4thWay’s specialists with data and access to its key people and therefore we haven’t conducted our usual week’s long assessment of it. So this is kind of…
Update: the first answer was corrected on 10th June after a stupid error by me. My apologies. On the positive side, on the 11th June HMRC explicitly confirmed to 4thWay that our second answer is correct. We have two questions on flexible ISAs and one…
We had a query from a 4thWay user about tax rules on lender fees recently, so I thought we could answer that for everyone. The reader was asking about whether lender fees are tax deductible, what that even means, which P2P lending companies currently charge…
Occasionally lenders reach out to 4thWay and describe what they are up to, how they’re doing and what their experiences have been when lending. I really appreciate the contact from you! Recently I had an email that inspired me to write this page today. I’m…
The people normally using 4thWay’s research are all very lucky. I mean, I presume you have money to spare if you’re lending it. There are an awful lot of people who can’t say the same. Yet I think it’s worth looking at the other side…
Whenever you invest (and money lending is a form of investment), you’re taking a risk that you’ll lose money. Not just lose to inflation – which is a loss that is practically guaranteed to happen in savings accounts. But I mean an actual loss in…
Four years ago – spring 2021 – marked the beginning of the quick rise in inflation, eventually peaking at an annual rate of 9.6% by October 2022. It remained very high in historical terms till September 2024. While it has fallen substantially now, it’s still…
This update on 29th April 2025 is writing up a case in the High Court in February 2025. The judgment on the case was made on 17th April 2025 and it has just landed in my hands. Since the case is now on the public…
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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.
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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.
