P2P Lending And IFISA Cashback Deals Available Now
At present, there are no cashback deals of note available.
Is Assetz Exchange Going To Go Like Assetz Capital?
Housemartin* shares a name with Assetz Capital, which recently announced it’s winding down its P2P lending side to focus on lending that is funded by financial institutions. While Assetz Capital expects lenders to continue to lend profitably as the loans are repaid, it did shock…
What Individual Lenders Like You Are Planning To Do In 2023
I don’t want to stretch this out too long, but a 4thWay user did request we publish the results of our recent survey and I think four of the key findings might be interesting or maybe even educational for you. Most people are taking efforts…
4thWay Reader Asks About An Increasing Number Of Delayed – Refinanced – P2P Loans
A great question from a 4thWay reader gives me a chance to explain about ways P2P lending companies can hide problem debts and how we go about finding them anyway – which 4thWay has always succeeded in doing up to this point. At the end,…
When Will Assetz Capital Lenders Get Their Money Back?
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…
The Inaccuracy Of Property Price Forecasts
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…
The 5 Most Property Crash-Resistant P2P Lending Accounts
Nationwide says we’ve just had four months in a row of falling property prices. To some people, that means there are more falls to come. My colleague has expressed his views on that in a separate piece. But some peer-to-peer lending accounts seem almost deliberately…
SaveLend 1st Scandinavian P2P Lending Company To Receive 4thWay PLUS Rating
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…
2 P2P Lending Accounts Improve Their 4thWay Risk Scores
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 Review
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.
How the Chancellor’s Autumn Statement Impacts P2P Lending
It’s about taxes, so I’ll be brief! Less P2P lending due to frozen personal allowances The income-tax personal allowance of £12,570 will be frozen until This will mean less disposable income available for lending. More people will pay a 45% tax rate and lose their…
ArchOver 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.
Help Farmers Produce Food For The World & Earn 10.9% Annually
We don’t get soooo much interest from 4thWay readers when we write about the social and environmental impacts of P2P lending. Our focus is on the risks, rewards, growing your wealth, or earning an income from money lending. Understandably, that’s what you’re most interested in….
Assetz Capital Is Back!
Assetz Capital announced in July that the long-lasting lending queue to put new money in its automated accounts finally started to shrink. More recently it has announced that all the money that had been waiting has now been put to work. Lending flows released due…
Rising Mortgage Rates: Their Impact On P2P Lending Bad Debts & On House Prices
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…
User Question About Switching IFISAs When Lending Is Too Slow
If you find lending is too slow in one of your IFISAs, and the cash in that IFISA is all from prior tax years, you can simply transfer any unlent cash to another IFISA. That’s provided your IFISA provider allows you to make partial transfers*….
What P2P Lenders Can Learn From The Queen
It takes endless patience and often remarkable intelligence to do nothing. Whether you’re a monarchist or not, you can still learn from the Queen, who was an absolute master of those useful skills, which you can apply in your P2P lending. The Queen must have…
Peer-to-Peer Lending is Better Than Bonds
Even over longer periods of time, – and perhaps not even that. over all time periods. How good are bonds? On average, bonds are “a bit naff”, according to the fantastic Credit Suisse Global Investment Returns Yearbooks. OK, the Credit Suisse funded research doesn’t actually use…
The Investment That’s Better Than P2P Lending
This was my first ever Candid Opinion piece for 4thWay, published originally on 25th November, 2014. I’ve just updated it very slightly – mostly as an excuse to get the editor to re-publish it for me and give it some more attention. This is a…
How The Bank of England Rate Impacts Different Kinds Of Lending
This article was originally the introduction and background to a piece called P2P Lending: How To Deal With Rising Interest Rates. But it got too long, so those tips on lending through rising rates now has its own page. In contrast, the page you’re reading…
Sources: Bank of England; BrickFlow; NatWest; countless bridging and development lenders and brokers.
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.
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*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from Invest & Fund and Loanpad, and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
