House Prices Aren’t Impacting P2P Lending

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…

Brief Update On Lande

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…

Which P2P Lending Companies Have Good Character?

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…

The 2 Best Non-Property P2P Lending Accounts

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…

How Important Is Character When Assessing P2P Lending Providers?

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…

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…

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 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…

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…

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The 4thWay® PLUS Ratings are calculations developed by professional risk modellers (someone who models risks for the banks), experienced investors and a debt specialist from one of the major consultancy firms. They measure the interest you earn against the risk of suffering losses from borrowers being unable to repay their loans in scenarios up to a serious recession and a major property crash. The ratings assume you spread your money across hundreds or thousands of loans, and continue lending until all your loans are repaid. They assume you lend across 6-12 rated P2P lending accounts or IFISAs, and measure your overall performance across all of them, not against individual performances.

The 4thWay PLUS Ratings are calculated using objective criteria that can be measured and improved on over time, although no rating system is perfect. Read more about the 4thWay® PLUS Ratings.

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