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Post by overthehill on Nov 4, 2021 13:21:23 GMT
4thWay is still a great resource for those of us who know it all and for those that are new to the game.
Yes, I still think the Lending Works assessment is far too generous. Better companies than LW could be in their tables if they were more open with their data.
I still laugh at the Proplend Tranche B/C interest rate at 6.7%, I can guarantee investors XIRR over the last 5 years is nowhere near as low as that. Then you have Lending Works at 4.5%, with their cash drag?! It distracts from the negative interest of the last 20 months going on in parallel.
Apart from that, I think the company is excellent, if you're looking for guarantees and 100% accurate information then P2P is not for you.
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Post by overthehill on Nov 24, 2021 12:30:16 GMT
There is a handy list of all the P2P companies in the UK. Connective Lending is the only omission I recognised and this remark about Ablrate took my eye "The last we heard, it didn't classify itself as P2P lending, but it passes our more practical definition."
An article about Proplend's VAT loans.
Crowd2Fund analysis - didn't rock my boat...
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 10,845 
Likes: 11,072
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Post by ilmoro on Nov 25, 2021 20:56:59 GMT
There is a handy list of all the P2P companies in the UK. Connective Lending is the only omission I recognised and this remark about Ablrate took my eye "The last we heard, it didn't classify itself as P2P lending, but it passes our more practical definition."
An article about Proplend's VAT loans.
Crowd2Fund analysis - didn't rock my boat...
What is it with 4th way, they always seem to write articles that demonstrate they arent experts. 'There is no legal definition of p2p lending', so theyve made one up and then written nonsense about several of the platforms. So whats article 36h of the FSMA RAO 2013 if it isnt a legal definition of p2p? Certainly it the one the FCA and HMRC use to define a p2p agreement. Ablrate doesnt class itself as P2P lending - really! ... so there homepage doesnt say 'Ablrate is a P2P lending platform' then? Freeeducation, futureBricks - doesnt meet the 4thway criteria so why are they in the list? There are plenty that meet 4thway criteria but are missing - Onstep, Quardus, Property Partner, Shojin Several of the platforms listed arent regulated for lending. Why not make it really clear which platforms are offering regulated P3P loans compliant with the legislation & which are offering something different. Its this kind of muddled advice that gets people into a mess
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macq
Member of DD Central
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Post by macq on Dec 11, 2021 8:07:15 GMT
Slightly different but Zopa & p2p in general are the focus of the weekend article (and comments) on Monevator today
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Post by overthehill on Dec 21, 2021 17:48:22 GMT
The Real Reason Zopa Is Closing Its P2P Arm
Zopa has closed its P2P lending operation to focus on its bank. The reasons it gives are a great excuse not to upset existing lenders, but they're not the real reasons, according to a 4thWay specialist. Read the real reason for Zopa's P2P closure.
Best Alternatives To Zopa
With Zopa gone, a very large number of lenders will want a new P2P home for their cash. Here are three P2P lending companies that share some similarities with Zopa or with what lenders wanted from Zopa.
Best Lending Works Alternative
Lending Works is also switching to a different model, so individual lenders can no longer lend new money. Find your Lending Works alternatives that share some traits with it.
Look Outside P2P Lending: Investing In Shares
Share investing complements P2P lending very well indeed, so, as a Christmas treat, we look at the latest that share investors should know and stay on top of.
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Post by overthehill on Feb 17, 2022 17:31:08 GMT
3rd article lists propio and british pearl - are they still doing P2P ?
Assetz Capital Review Updated
Using P2P Lending For Your ESG Investments Is Responsible And Profitable
Which P2P Lending Sites Offer FSCS Protection On Unlent Cash?
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Post by overthehill on Apr 19, 2022 19:29:35 GMT
28 Peer-To-Peer Property Lending Websites
We believe this list now covers every property lending company in the UK that, through one legal means or another, offers direct lending between you and the property owner.
Read about them all here.
CapitalStackers Review Updated - How Fares This High-Paying P2P Lending Co?
CapitalStackers has paid an average lending rate after bad debts of more than 12% for many years. But how many bad debts has it had, how safe is it really and what's the lowest return achieved by any one lender?
To find out, read the review that has been updated after our latest re-assessment of this platform and its very detailed data submissions to 4thWay.
CapitalRise Review Updated
It's another P2P lending company beginning with "Capital", but, other than that, it's certainly unique. We've updated this review into a property-lending website that goes against the crowd by focusing exclusively on prime London property.
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 10,845
Likes: 11,072
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Post by ilmoro on Apr 19, 2022 20:12:47 GMT
28 Peer-To-Peer Property Lending Websites
We believe this list now covers every property lending company in the UK that, through one legal means or another, offers direct lending between you and the property owner.
Read about them all here.
CapitalStackers Review Updated - How Fares This High-Paying P2P Lending Co?
CapitalStackers has paid an average lending rate after bad debts of more than 12% for many years. But how many bad debts has it had, how safe is it really and what's the lowest return achieved by any one lender?
To find out, read the review that has been updated after our latest re-assessment of this platform and its very detailed data submissions to 4thWay.
CapitalRise Review Updated
It's another P2P lending company beginning with "Capital", but, other than that, it's certainly unique. We've updated this review into a property-lending website that goes against the crowd by focusing exclusively on prime London property.
Usual muddle of actual P2P platforms and altfi - actually only 25, I can think of a few that are missing, particularly given the looseness of their definition. They seem a bit confused on some on the platform and some questionable statements "Normally you're first in the queue to get your money back if a borrower is unable to repay" - I wish. Try not to have apoplexy when you read the AC bit on that.  (I suspect they mean first or second charges or tranche priority) Most similar bit is amusing
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Post by overthehill on May 25, 2022 19:06:56 GMT
o Inflation at 7.8%: What To Do When Inflation Beats Your P2P Lending Returns.
With the inflation rate exceeding the average net lending rate, what are you supposed to do? The answer is simple.
o CrowdProperty Review.
We've comprehensively updated our CrowdProperty Review.
o 4 P2P Lending Companies Are Stable After 4thWay PLUS Ratings Reassessment
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Post by overthehill on Jun 27, 2022 16:37:38 GMT
Ranking The 5 Safest P2P Lending Accounts
An Update On Sourced Capital
Don't Be Shocked By the 4thWay Website!
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Post by overthehill on Oct 10, 2022 18:14:42 GMT
Lande Is The 1st European P2P Lending Company To Earn A 4thWay PLUS Rating Rising Mortgage Rates: Their Impact On P2P Lending Bad Debts & On House Prices Switching IFISAs When Lending Is Too Slow
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Post by overthehill on Nov 12, 2022 20:45:28 GMT
Anyone know how you earn 10.14% at Crowdproperty currently ? So say 4thway.
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Post by Ace on Nov 12, 2022 21:08:59 GMT
Anyone know how you earn 10.14% at Crowdproperty currently ? So say 4thway.
You can't. I think that 4thWay mistakenly quoted the average borrower rate at the time of the article. I wrote and told them of their error at the time, but they simply ignored my email, as they have on several other occasions. It's a shame. They do seem to do a lot of valuable analysis, but they let themselves down with the many sloppy mistakes they make.
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Post by overthehill on Nov 12, 2022 21:43:28 GMT
Credibility is harder to earn than it is to lose. Crowdproperty at 10.12% and Proplend Tranche B at 6.7%. What ? I'm not going to say what I'm thinking ?
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Post by uksoul on Nov 13, 2022 6:18:13 GMT
Credibility is harder to earn than it is to lose. Crowdproperty at 10.12% and Proplend Tranche B at 6.7%. What ? I'm not going to say what I'm thinking ?
That is a surprising Tranche B rate 6.7 %, more in line with Tranche A. I primarily invest in B loans and would say the average is 9 %.
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(I suspect they mean first or second charges or tranche priority)
