A common theme in all today’s peer-to-peer lending news articles and blogs on 4thWay has been the see-saw effect: more borrowers make it easier for lenders to lend at better rates while borrowers have to pay more. This encourages more lenders to come, which makes…
Two factors can impact the best and worst times to lend your money: peak borrowing months and the see-saw that P2P lending companies struggle with to keep borrowers and lenders in reasonable balance. Worst and best month to lend to consumers Kevin Allen of RateSetter…
All individual lenders on Wellesley & Co. are now spreading their risks across 100 different loans. The number will likely rise as Wellesley continues to grow. Wellesley has just reached 100 outstanding loans. The property P2P lending company automatically splits all lenders’ money across all loans. It readjusts the…
Lending Works has made itself even more attractive to lenders by ramping up its interest rates. It has pushed up its three-year rate from 4% to 4.3% and its five-year rate from 5.5% to 6.1%. The five-year rate is now the best of all the peer-to-peer…
Here are the latest high-rate loans that are open for you to bid on from rebuildingsociety, the P2P lending company that finances riskier loans to businesses. B grade loan to heat treatment company Update: this loan has been extended to 15 January due to the…
You can lend money to businesses through Funding Circle graded by the peer-to-peer lending company as “A+” – its highest grade. Although Funding Circle conservatively estimates that 0.6% of these loans will go unpaid each year, not even 20 A+ loans have gone bad in the four…
The oldest business and property P2P lending company has checked out how us lenders would come out of an economic disaster. Funding Circle asked Hymans Robertson, an external consultancy, to conduct the same “stress tests” on it as the banks have been required to do by the Prudential Regulation…
Through FundingSecure, you can lend against high-value items from yachts to luxury watches and fine art. The pawnbroking P2P lending company takes possession of the items in advance and it can sell them if the borrower doesn’t pay up. It doesn’t lend more than 70% of the lowest valuation…
Funding Circle is currently returning cashback to lenders, taken out of the borrowers’ fees, in a few select loan auctions. The loans are listed as A+, which is Funding Circle’s highest borrower grade. Although Funding Circle conservatively estimates that 0.6% of these loans will go…
The P2P lending companies pitching themselves as lowest risk and easy-to-use all have the best records – with no lenders losing any money. These companies all have bad-debt provision funds: that’s a pot of money in reserve to pay you back in case a borrower…
Landbay* is the first peer-to-peer provider to focus exclusively on mortgages to the buy-to-let sector. In a recent report entitled “Democratising Mortgage Lending”, commissioned by Landbay and written by Wrigglesworth Consultancy, Wrigglesworth wrote: “To illustrate the robustness of its portfolio of buy-to-let loans we have stress…
Ratesetter, the low-risk consumer loans p2p lending company, has announced that it is taking over GraduRates‘ loans. GraduRates is a P2P lending company targeting postgraduate borrowers. Full financial regulation is starting next year and so Gradurates has decided to wind down its loan book rather than meet…
In a recent blog, Rhydian Lewis explained how his P2P lending company is expanding to lend to more different types of customers. The founder of RateSetter, the largest consumer loans P2P lending company when measure by monthly loans, showed how they have progressed beyond lending to…
Here are the latest high-rate loans that are open for you to bid on from rebuildingsociety, the P2P lending company that finances riskier loans to businesses. Update on 21/12/2014: all the loans below are now fullly funded, but you can still under-cut bids from other…
LendInvest, the largest property P2P lending company, has just reduced its minimum lending amount from £10,000 to £1,000, bringing it into the reach of many more lenders. LendInvest will also soon enable automatic lending and the ability to sell your loan parts to others. In…
The financial regulator’s review of independent financial advice has shown “early indications” that advice has improved and some of the costs have come down since a major change in how advisors make money. Financial advisors were banned from taking commission from Pension, ISA and other investment providers two years…
Generally speaking, savings accounts don’t come close to beating the interest rates being offered by P2P lending companies. However, from time to time you can find good accounts that come close enough to take a look. Great savings accounts for older people National Savings &…
HM Treasury has concluded a two-month consultation on the best way to implement the inclusion of P2P loans with ISAs. Various options are being considered including creating a third type of ISA or including P2P lending as an option within a stocks and shares ISA….
Funding Circle is currently returning cashback to lenders, taken out of the borrowers’ fees, if you take part in the loan auctions listed below. All the loans are listed as A+, which is Funding Circle’s highest grade. Barely a dozen A+ loans out of more…
Landbay, a property P2P lending company with automatic diversification across different regions and a bad-debt provision fund, has been added to the first ever P2P lending benchmark. With the addition of this lower-risk, lower-rate P2P lending company, the 4thWay® P2P Forecast Returns Index has fallen today from…
