I've been in Twino for 2 or 3 years now and can recommend it. Good rates and decent number of loans. I only invest in 'buyback' loans where the platform guarantees them against failure; has worked well so far and no losses. You can invest in £ or €
Is there anyone else on the same boat as me? What are your plans? Where are you going to move your EUR to? Any recommended platform(s)?
I'm on the same boat as you. I heard of a lot of UK investors that have been moving their funds from Mintos to Grupeer - so I did that as well.
In my experience Grupeer has been a perfectly fine alternative to Mintos, and I'm even getting a bit higher return than what I did on Mintos. I'm also enjoying the interface and user experience on the platform quite a bit.
Before deciding yourself though, I recommend taking a look here and here.
I'm also testing some other real estate focused platforms right now, but as an alternative to Mintos, I think Grupeer is your best shot
P2P / P2B lending can be a minefield. It's a bit like dating, we date and we date, but we don't find Mr. or Ms. Right. In fact, we may find something a lot scarier.
There are not many "real" reviews out there, and it takes time to understand how the new platform operates. The performance of the platforms I am "testing" has yet matched the performance of the reviews I found. Some show encouraging signs, some are way off the expected XIRR.
Now I come to the conclusion that some reviewers are just "experts" in P2P lending and know what they are doing. It would be unlikely for someone else to repeat the results without expert knowledge for certain platforms.
I completely agree, it can be hard to achieve the XIRR as listed on certain blogs (I think it might be due to cashback campaigns and referral bonuses that is perhaps not even mentioned on the blog). I am no p2p expert but I think I am getting reasonable interests from the platforms I have invested in, also when comparing with a small selection of other blogs.
My approach is to diversify as much as possible and then I have an autoinvest function for each loan originator. The interest is set individually for each autoinvest so it is aligned with the max. interest that that particular loan originator offers. Sometimes there is not enough loans at the high interest and then you of course need to adjust.
I have investments in all the platforms mentioned in this thread except Neo Finance.
Out of those platforms Viventor is my most profitable and Iuvo is the least (but maybe I am just not setting up the autoinvest the right way...). But it also very much depends on your risk appetite. If I was you I would not just choose 1 new platform, I would choose several to invest in. Who knows what platform will be the next to go down...