When looking at lending to property development opportunities on the various platforms that cater for this type of lending there are many things to consider. (To find those opportunities, read about the roughly two dozen Property Peer-to-Peer Lending Websites.) I think this is probably the most…
Over half of the P2P lending platforms allow you to lend in property loans. (Read 18 Property Peer-to-Peer Lending Websites.) So you might be concerned to have read the headlines this week that house price rises have halved from over 11% a year ago to…
There was an article in the Financial Times this week about bonds (High time for greed to yield to fear). It was very oblique and unclear, since it was largely quoting analysts and investment banks, all of whom, in my experience and opinion anyway, generally refuse to stick…
Landbay* is a P2P lending website that allows you to lend your money to experienced buy-to-let investors. CrowdLords is not P2P lending. It’s being a buy-to-let investor yourself, albeit as part of a crowd of landlords sharing a property. Note that CrowdLords is for people…
The Sunday Morning Herald, an Australian newspaper, recently had an article that started like this: “Is peer-to-peer lending out of control? There’s certainly some cause for concern.” It cited the industry’s rapid growth as one of the reasons for this worry. To back this up, it quoted…
With the growth of peer-to-peer lending websites there are a few things that we individual lenders need to be sure of before we invest our hard earned money. 1. How P2P lending websites assess borrowers Critical to achieving a decent return is understanding the true…
Thanks to David and UK Bond Network for letting us pinch this educational article from their own blog. Legal covenants are of vital importance to investors when investing in debt of any kind – be it personal loans, business loans (including minibonds), corporate bonds (as issued…
Some Zopa news today, starting with the best bit: Zopa lenders are, on average, achieving higher rates than those projected by Zopa. Lenders exceeding targets Zopa removed its guaranteed rates at the beginning of this year, but its seems to be getting the hang of…
I interviewed CapitalStackers‘* Steve Robson, Director, who filled me in on some interesting aspects about the property P2P lending website. Firstly, I should note that CapitalStackers’ minimum lending amount is £5,000. The service is generally only available to people classed as sophisticated investors or high-net worth,…
The Financial Conduct Authority – the UK body that regulates financial companies – has issued a warning that scammers are now operating in peer-to-peer. It writes, in its usually over-cautious way, that it “believes” that a company calling itself “Zopa Loans Reviews” is pretending to…
Wellesley & Co.*, a property bridging and development loans P2P lending website, is now reporting its first bad debt, although recovery prospects look good. Wellesley & Co., has matched money from individual lenders like you and me to borrowers in nearly 200 large property loans…
This is the first article in a new series for 4thWay®, covering investment on the edges of P2P lending. That means alternative ways to invest in the P2P lending sector without lending directly to borrowers yourself. These might either help you spread your risks, manage…
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…
With bond interest rates plummeting to near zero, it is only a matter of time before a lot of people lost money, as was explained in yesterday’s FT article Bond market fireworks flash warning signals. When bond interest rates drop, it means people are paying too…
For most peer-to-peer lending companies, a bad debt amounting to a mere 0.15% is not noteworthy. But it’s different for Lending Works. Because this is the first time it has suffered at least one bad loan. Prior to now, its 16-month record of nearly 2,000 loans had…
This is just a brief note to say that, this weekend, Wellesley & Co. has slightly dropped the interest rate on its 30-day notice account, which it calls its Easy Access account, from 3.66% to 3.55%. We wrote about Wellesley & Co’s other interest rate…
This article was updated on 2 May, to explain an additional interest rate change made by Wellesley on that day. Property P2P lending website Wellesley & Co. has increased interest rates on all its deals as of today, 1 May. Except for one deal which went…
Research by Cambridge University shows the UK is now storming ahead of its European neighbours in its acceptance and use of alternative finance, with the market swelling to £1.9bn in 2014. Although this growth is great, its speed, together with the newness of the sector,…
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…
It’s not always easy to spread your money across hundreds of P2P property loans, because the deals are bigger and fewer in number. To counter for that, you have the extra protection of being able to repossess and sell the property if the borrower can’t repay. That…
