I looked at the most recent data provided to us by Assetz Capital to estimate when lenders in its Quick Access Account, 30-Day Account and 90-Day Account might expect to get their money back. I also interviewed Simon Atkinson, Head of Capital Markets at Assetz…
Last month, Halifax forecast 8% falls in property prices to come in 2023, taking prices back to April 2021 levels. Nationwide also logged a fourth month in a row of price falls in December. Let me put this bluntly: all of that is of no…
Swedish P2P lending provider SaveLend, part of the stock-market listed SaveLend Group AB, has now received a 4thWay PLUS Rating, after an extensive assessment of its detailed loan data. Lenders have been earning 8% to 9% after bad debts and fees over the past two…
We’ve slightly upgraded our 4thWay PLUS Ratings methodology over the past five weeks and reassessed the lending accounts that provide us with the data and access to apply our calculations. This upgrade impacts property P2P lending accounts, making it a little bit tougher to get…
Assetz Capital’s 90-Day Access Account continues to earn an Exceptional 3/3 4thWay PLUS Rating. After bad debts, which are usually paid for by a reserve fund, Assetz Capital is targeting for lenders. Visit Assetz Capital or keep reading the Assetz Capital Review.
ArchOver’s Mostly Secured Business Loans are unrated, due to lack of information. We estimate these loans have been paying lenders around interest after bad debts. Visit ArchOver or keep reading the ArchOver Review.
Lenders who subscribe to 4thWay are asking about P2P borrowers’ ability to pay back their P2P loans, while their home mortgage costs are going up. Rising rates can also potentially knock house prices down, so I’m covering that too. Especially with latest headlines on falling…
Today I want to look at how to prevent permanent lending losses caused by such things as recessions. 4thWay often alerts its subscribers in its newsletter if there are signs that a P2P lending website is lowering its standards, e.g. by accepting more borrowers with worse…
Benjamin Graham was a highly intelligent investor who basically invented the most successful way to invest in shares. He didn’t go for all the complexity of many of his other colleagues in his industry. Just like all highly successful long-term investors that we know of,…
“Safe” and “20%” interest is probably not a phrase that you can legitimately hear. But “saf” and “20%” is something else. Because, of all the opportunities where you might be able to earn that return, one of them has to be the safest among them….
In autumn last year, inflation had doubled in six months to 3%, which prompted me to write The Impact Of Inflation On P2P Lending Results. Another six months or so have passed, and the inflation rate has more than doubled again, hitting 7.8%. This means…
LandlordInvest’s Bridging & Development Loans are currently unrated, as we’re missing just a small amount of monthly data required for our minimum assessment criteria. These loans have been paying lenders around interest before bad debts. Visit LandlordInvest or keep reading the LandlordInvest Review.
Funding Circle is a stock-market listed company, registered as FCH for “Funding Circle Holdings” on the London Stock Exchange since autumn 2018. The Funding Circle share price is right down at 1/6th of its highs and it’s unchanged since releasing its 2021 results three days…
P2P lending is far better than ESG funds if you want both great returns as well as to truly support better causes while you invest. ESG means “Environmental, social and corporate governance”. Basically, it’s supposed to be about businesses being socially, ethically and ecologically responsible….
Kuflink* has just reported its first ever profit of about £400,000, off the back of real earnings of about £3 million, for 2021. This is the first profit for the group since it launched its P2P lending arm, after results previously improved from a £3…
Jeremy Grantham of GMO is making the case for investors putting more into “specialized” lending and less into shares today, because we’re currently in superbubble territory. While he’s most concerned about the US stock market, he’s also worried about stock markets in general, especially in…
Zopa has closed its P2P arm to focus on its bank. Zopa wrote to its customers: “Sadly, over the last few years, customer trust in P2P investing has been damaged by a small number of businesses whose approach led to material losses for customers investing…
This is an analytical Zopa review for lenders (otherwise known as investors). You can also visit our peer-to-peer lending comparison tables or IFISA tables to see how Zopa compares. 4thWay’s Zopa Review Still want to read the Zopa Review? We’re keeping the last version of…
Visit Proplend* has only ever introduced one new type of loan in its seven-year history. Everything it has done over the years shows that it prioritises quality lending that it understands above rapidly growing its own business. For just the second time, it’s just introduced…
In assessing lending risks, it’s useful when you uncover contradictory information on a P2P lending company. So, today, I’m going to list a variety of very typical contradictions that we see, using real-life examples. I’ll help you learn how to spot them and give you…
