Iain Niblock


Iain Niblock

Funding Circle & RateSetter: Regional Default Trends

2 May, 2018
Analysis of two giant peer to peer lenders in the UK, evaluating defaults by region to identify trends.

Retail Investor Motivations and Behaviours in P2P Lending

25 April, 2018
There are a number of factors which contribute to “why” a retail investor will introduce peer to peer lending (P2P) into their portfolio. Orca explores these motivations as highlighted in The Cambridge University report.

5 Peer to Peer Lending Tax Tips for the New Tax Year

18 April, 2018
The 2017-18 tax year is behind us, we now look forwards to tax year 2018-19. We offer up some top tips for exploiting tax advantages in peer to peer lending, and personal finance more generally.

Peer to Peer Lending Tax Basics

4 April, 2018
Peer to peer lending tax is a key consideration for investors in the asset class. P2P returns are taxable as income, but there are tax breaks available enabling investors to earn tax-free yield. We explore the Innovative Finance ISA, SIPP and Personal Saving Allowance.

easyMoney: First Look at New P2P Offering

21 March, 2018
easyMoney is the recent addition to the global easyGroup 'house of brands' founded by Stelios Haji-Ioannou. The easyMoney P2P lending platform launched its Innovative Finance ISA in February 2018. We take a look at this new entrant and its IFISA.

Collateral UK: Platform Risk Exposed as P2P Lender Enters Administration

7 March, 2018
Collateral UK entered administration having operated out-with regulatory permissions. This is an early case of potential high profile peer to peer lending platforms collapsing, inviting investors to more closely scrutinise the platform operators when investing.

Stock Market Volatility: How Balanced is Your Portfolio?

14 February, 2018
After the market correction experienced early February 2018, investors can expect a period of stock market volatility. We explore peer to peer lending as a viable asset class to diversify an investor's portfolio.

The Quest for Peer to Peer Borrowers

31 January, 2018
Striking a balance between investor demand and borrower origination is critical in peer to peer lending UK. We explore the dearth in peer to peer borrowing in certain areas of P2P lending.

Cryptocurrency Investing and Peer to Peer Lending

10 January, 2018
Cryptocurrency investing has experienced viral growth recently and with blockchain technology exhibiting potential benefits for other asset classes, we explore the impact of this innovation on peer to peer lending.

The Purpose of the P2PFA

13 December, 2017
Having recently announced updates to its operating principals are coming, we review the purpose of P2P lending's trade body, the P2PFA.

Orca: An Honest History of Our P2P Journey

22 November, 2017
As we approach the launch of the Orca Investment Platform read about our journey from CEO Iain Niblock.

Peer to Peer Lending Will Pass Base Rate Rise Test

8 November, 2017
How does the Bank of England base rate rise impact peer to peer lending UK? We explore its effects on the market from investor and borrower perspectives.