Adapted from 4thWay co-founder Neil Faulkner’s new book on P2P lending strategy, read why it is that you should question everything when investing. Part of the reason you’re reading this website is that you’re a natural sceptic. It’s your job as an investor – for…
CrowdProperty took five months to get its first deal completed, but just five weeks to do its second. Clearly, it’s speeding up. New P2P lending websites can offer interesting opportunities. The interest rates tend to be higher, so if you can satisfy yourself that the…
Zopa latest: Speed of getting money on loan: up Proportion of loans accepted: up Riskier borrowers: up Interest rates: stable Zopa has taken steps to help get lenders’ money on loan faster and to stabilise rates, and set a scene which could lead to…
Last Friday I chaired a panel show for the first time. It was the property peer-to-peer lending panel at the Property Investor Show in ExCeL, London, and there were a lot of great questions from the audience. The panel were representing P2P lending websites that do…
UK Bond Network will be the next P2P lending website to be added to the 4thWay® comparison tables this week. UK Bond Network is for high-net worth investors or those classed as “sophisticated” only. If that’s not you then you should probably look away now. The most…
Lenders can use the bad-debt rate to see how low bad debts have been in the past on a P2P lending webste. An average annual bad-debt rate of 0.5% during a moderate or good economic backdrop is very low, for example. Any bank would be…
Forecasts might not be the best way to decide whether to lend through a particular P2P lending website, but there are plenty of other ways to do so. UK Bond Network, a P2P lending website, recently sent 4thWay® enough data to get listed in its comparison…
I remember working at stock-market investment website The Motley Fool when Stuart Watson was the editor. He was a smart guy. That’s why, when I told him a friend was re-mortgaging his house to invest in the stock market, he had a very intelligent response,…
Here’s a short, but certainly sweet, article. I just had to pull a recent 4thWay® article explaining how 13% earned interest and 6% bad debts could leave you with a profit of less than 2%, all because we are taxed on the bad debts that…
The Bank of England is asking the UK’s biggest banks and building society to perform stress tests again. Like last year, the tests are not as extreme as the events of 2008-10. The argument is that that period was seen as a rare event that only happens…
The founders and directors of LendInvest, Wellesley & Co. and Assetz Capital have over two dozen limited companies between them either as part of their P2P lending operations or as companies very closely related to them. Why? More specifically, is this an extra risk that we lenders…
Lending Works lending strategy is short and simple, because this P2P lending website is simple and easy to use. You have limited strategy options available, but it still requires a little bit of maintenance. Lending Works Lending Strategy: take it or leave it! Many P2P lending websites…
Savers were given a new tax break in the Budget on Wednesday, but it wasn’t clear at the time whether that was going to extend to your P2P lending. Zopa has told us today that it just received confirmation from the Treasury that it does…
We needed to fill a few gaps in Landbay’s data in our detailed comparison tables, so today I interviewed John Goodall, CEO. Landbay is one of the safest P2P lending websites, focusing on high-quality residential buy-to-let landlords and properties. It has clear, strict lines in…
Zopa, the oldest P2P lending company in the world – the one that started it all, right here in the UK – turned 10 today. Let’s look into how well it has contained losses, even during the worst recession for nearly a century, and how…
Back on Wednesday, 30th July 2014, there was an interesting interview on Money Box on BBC Radio 4. But I only just listened to it this morning. At roughly 13 minutes in, the conversation turns to one man’s experiences with peer-to-peer lending. That man is…
This guide will be updated regularly with the latest low risk, market beating P2P lending companies If you’ve been using the easy P2P lending options: You can earn dramatically more interest while keeping your risks low. You need to be willing to put a bit of extra…
Assetz Capital is a large P2P lending company offering secured business loans, and it has a good record when it comes to bad debts. Now, Assetz Capital is looking for investors to buy shares in itself through Seedrs, a website that enables you to buy shares…
Note that, since this article was published, Wellesley & Co. has greatly clarified its marketing and re-named the bond the Wellesley Listed Bond. Wellesley & Co. has been offering one of the safer P2P lending opportunities for individuals like you and me. However, its new…
Yesterday I wrote about why I stick to low-risk P2P lending. Today, I want to write about why I look to shares for my higher rewards. To me, there’s no competition when choosing between higher-risk P2P lending and the stock market. Regarding high-risk P2P lending,…
