Last year, in 2023, if you invested in one of the cheapest and best share funds to cover the entire UK stock market, through Vanguard, and you did it directly through them in their own ISA, you’ll probably have made around 6.8%. That’s assuming you…
When you earn money through peer-to-peer lending there are huge tax breaks available to you. For most people there’s an automatic tax break on all P2P lending accounts. You can also open specific peer-to-peer lending accounts, called IFISAs, which are always free of income tax…
Over the past month or so, I’ve talked with a couple of dozen investors who use 4thWay’s research. It’s been one of the advantages of growing a wealthy collective of lenders to get better returns while doing something useful to support the proper functioning of…
P2P lending companies often want and need to fund loans through institutions or a collection of especially wealthy investors, who earn better rates and terms for the privilege. That lending is over-and-above the usual lending through online lending platforms. And that’s all while providing a…
Owning property is one of the four ways that gives 4thWay its name. As we sometimes say: “there’s the savings way, the property ownership way, the stock market way, and now there’s the P2P lending way: the 4thWay”. All are equally fantastic ways to save…
It was a lot of years ago when we assessed Unbolted’s lending processes, and then lost contact with them for a long time. In summer 2023, however, we’ve received substantial supporting evidence and answers to go along with a relatively short interview on lending processes…
Peer-to-peer lending is not a regulated phrase. By 4thWay’s definition, any online lending company is peer-to-peer if it structures itself and its loans to offer the same level of protection as direct lending, in order to protect lenders in the event that the lending company…
P2P lending costs money for both borrowers and lenders. Because there’s no such thing as a free lunch! You can find out true costs of lending through various P2P lending companies elsewhere on 4thWay and we’ll show you where further below. But, firstly, here’s how…
UK Limited companies and Limited Partnerships are allowed to lend through P2P lending websites. The ones we know of where this is allowed are: AxiaFunder*/**. CapitalStackers*/**. CP Capital. CrowdProperty.** Downing Crowd**. EstateGuru. Folk2Folk. Housemartin*/** Invest & Fund*/**. Kuflink*/**. LandlordInvest. Lendwise*/**. Proplend*/**. SoMo*/**. Sourced Capital.** Limited companies…
Your main protection is that loans and cash are segregated Firstly, lets get a sense of proportion. Because FSCS protection here is actually a very minor point. If you have loans at a P2P lending company or if that site is holding some of your…
Update on 12th August 2023: Crowd2Fund’s accounts have now been filed and the strike-off action discontinued. Details of its accounts here. You’ve not heard anything from us on Crowd2Fund for a while. Crowd2Fund hasn’t been in a position to provide detailed data to us to…
Lande* has re-established its data pipeline and so we’ve reassessed its 4thWay PLUS Rating. Despite quite a few more loans falling late or turning bad as its history has been maturing, it has easily maintained its 3/3 “Exceptional” 4thWay PLUS Rating. Its high interest rates…
We talk to 4thWay users a lot directly, and we get your emails and survey results from you. What we find is that lenders are making the same mistakes over and over again – and frankly it’s worrying us. While the P2P lending sites really…
In China, the number of websites offering lending platforms reached more than 2,000. For a long time, after that, 80 of them were being closed down every month due to peer-to-peer lending fraud or incompetence. The UK is far from China in more ways than…
Falls in house prices in seven of the past 10 months (according to both Halifax and Nationwide) have not perceptibly impacted overall annualised lending results at P2P lending platforms. While price changes can have delayed effects, the future also looks very healthy for lenders using…
We’ve had to temporarily take Lande’s 4thWay PLUS Rating down. Unfortunately, due to illness, Lande’s not been able to provide us with the data we need to keep assessing it on anything like the regular basis that we require. I’ve been informed that Lande will…
I just have time for two brief updates on Proplend, which is truly one of the most remarkable P2P lending and IFISA providers for lowering your risks while paying attractive interest rates. Instant diversification in extremely safe loans available now At time of writing, Proplend*…
P2P lending companies are run by people, so lenders rely on them for getting satisfactory lending results. Their character is always going to be of interest, especially in terms of personality traits that can increase or decrease the risks to you. By “good character”, I’m…
Property lending dominates the P2P lending industry and for good reason. It’s because banks have historically had less of a grip on some parts of this market, and because high-quality borrowers have often struggled to get the loans and conditions that they need, with the…
Probably the task that we spend the most time on at 4thWay is trying to identify whether what we’ve just been told by a P2P lending provider is truth or fiction. All the processes we’ve built up over the years – from the initial, weeks-long…
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.
We are not financial, legal or tax advisors, which means that we don't offer advice or recommendations based on your circumstances and goals.
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.
