Compare Peer To Peer Lending
P2P (peer to peer) lending is when investors lend their money via a platform direct to a business, individual or against a property/asset at an agreed rate. There is no guarantee against losses, however some P2P lenders have a provision fund, secure the debt against an asset or spread the risk amongst multiple loans. See our P2P guide.
This product gives a return of 5.1% per annum on investments and offers access to deposited funds under normal market conditions when 30 days’ notice is given. The rate will not drop below 4%.
Minimum investment starts at £1 with no maximum amount.
Interest is paid on the first day of each month.
Due to the nature of this account, there is no minimum term.
LandlordInvest only provides Buy-to-let Mortgages to professional landlords (no first-time buyers). A wide range of borrowers are considered (corporate, individuals, ex-pats) as long as the property is based in England or Wales.
This auto-invest product is available on UK bridging and development loans with an average loan to value (LTV) of 60% and minimum terms of 12 months.
Automatically spreads your investment risk across their secured property loan portfolio that matches the above criteria. Funds will earn interest 365 days a year with no downtime between investments. There is a choice of receiving your interest twice a year or compound your interest.
Minimum term is 12 months thereafter you can withdraw your funds with 30 days notice (subject to normal market conditions and the minimum term)
An investment will be spread across five vetted borrowers to help reduce risk.
LendingCrowd will automatically diversify investments across various creditworthy small business loans. A minimum of 20 loans will be allocated funds.
The minimum investment amount is £1,000 up to £20,000 pa and the variable target rate is 4.9% per year.
There is no fixed term. Full or partial withdrawals are possible subject to a 1% fee.
The lender can choose to lend conservatively via their Classic Account. This option has a lower projected return, with a lower estimated bad debt rate. There is an initial minimum investment amount of £1,000.
With Classic accounts, tax is not deducted from your earnings, Funding Circle provides a tax statement which can be downloaded for tax return purposes.
LendingCrowd will automatically diversify investments across various creditworthy small business loans. Interest payments will be paid into a separate account for withdrawal purposes. Capital will continue to be reinvested into new loans.
The minimum investment amount is £1,000 and the target interest rate is 4.6% per year.
This is a short term investment product with an attractive rate of interest and quick access to your funds. There is no need for the loan to be repaid as The Housecorwd crowdfund and recycle the money quickly, thus providing greater liquidity for investors. The account requires notice for you to access your funds and they will repay your capital within 30 days. It is also noted that "Only in the event we could not crowdfund out the funds would the repayment be dependent on the borrower repaying"
There is the opportunity to earn 4.5% p.a on your investment for the first six months and the rate changes to 4% p.a thereafter. The size of this fund is restricted to help ensure investor liquidity.
Restrictions on withdrawal. The Housecrowd may restrict investors drawing out more than £25,000 per investor per month if they have an unusually large amount of requests simultaneously
Interest is calculated daily and paid on April 30th/Oct 30th each year. Interest due is pro-rated if sums are withdrawn.
This investment account allows 60-day access to funds
Invest from £10 - £250,000
Estimated interest 4.5% Interest rates shown are annualised rates paid daily into the lenders Loanpad cash account.
