Articles

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.

Comparing and Researching Innovative Finance ISAs

28 March, 2018
As the end of tax year approaches, we look at the Innovative Finance ISA providers on the market and offer our thoughts on how to research P2P lending platforms offering IFISAs.

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.

£100 Bonus Offer Available

14 March, 2018
Receive £100 bonus on top of your portfolio returns 12 months after making your deposit. To claim your cashback bonus, simply sign-up or login and invest £1,000 or more. This offer is running until 27th March, so act fast!

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.

RateSetter ISA: Tax Relief and Sector Diversification Wrapped in One

1 March, 2018
The last in the major Innovative Finance ISAs to launch, RateSetter's ISA is now open to everyone. As one of few platforms to diversify capital across all lending sectors, the RateSetter ISA could be an option as end of tax-year approaches.

Exploring Eligible Tax Incentives in P2P Lending

21 February, 2018
The Innovative Finance ISA (or P2P ISA) is one of the primary tax incentives for investors considering peer to peer lending. SIPP providers are forging relationships with major P2P lending platforms, and the Personal Savings Allowance makes up the major tax relief incentives in P2P lending UK.

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 Orca Investment Platform is Open for Business

8 February, 2018
The Orca Investment Platform is now live. Our investment solution enables investors to build and execute diversified peer to peer investment portfolios, all from one place.

Funding Circle IPO: Reflective of P2P Lending Mass-market Appeal?

7 February, 2018
Funding Circle, the UK’s largest peer to peer lending platform (P2P), is preparing to go public in 2018.

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.

How P2P Lending Can Complement a Blended Portfolio

24 January, 2018
As modern portfolio theory goes, investment portfolio diversification is key to maintaining returns while diversifying risk. Peer to peer lending enables investors to complement their portfolio with stable yield.