The UK has become a key market for peer-to-peer lending, giving investors more and more reasons to flock to this rising asset class. Indeed marketplace lending is making its way more into the mainstream, evidenced by a widening of support from regulators coupled with greater opportunity in the equity markets on the horizon and a rising opportunity for tax-free returns. Continue reading UK P2P Lending Matures Into a Key Market
Have you ever wanted to live a life of financial freedom: traveling, spending time with your family and working for the good of the local community? Perhaps you’ve come across books like ‘The Four-Hour Work Week’ or ‘Rich Dad, Poor Dad’ and you also dream of doing something similar. The common denominator with guides to a financially free lifestyle is building up a passive income: reducing the reliance on working a traditional job to pay the bills. Continue reading How to make a passive income online
Diversification is defined as the action of making or becoming more diverse or varied. So why is diversification one of the most important words in peer-to-peer lending? To understand this, we need to understand the underlying risks or peer-to-peer lending. Continue reading Benefits of investment diversification
Investors in peer to peer lending are not always aware of the types of loans they are investing in on different platforms. Often, investors trust the platform – Viainvest, Zopa, Twino, etc. – rather than make a conscious choice over the types of borrowers they lend to. This article breaks down the different types of loans typically offered on peer to peer lending sites. Continue reading Comparing Peer to Peer Loan Types
There are not many industries that would want regulation imposed on them and fewer that would actively lobby for that to be the case, but the peer-to-peer lending industry is certainly an exception.
Why does the peer-to-peer lending industry want to be regulated? There are several reasons for this, but the foremost was that as peer-to-peer lending was unregulated, it was perceived to be very high risk, a complex financial instrument and open to large-scale fraud. Peer-to-peer lending was niche and lacked the appeal to lenders who were not sophisticated investors or high net-worth individuals. Continue reading Why P2P lending industry needs and wants to be regulated? Example of the United Kingdom
Small changes in how we plan our monthly budget can make a huge difference to our long-term financial health, and ultimately can give us the financial freedom to live the life we want. In this article, we’ll talk through getting to grips with your current income and spending and how to build a successful budget. Continue reading How to plan your budget: tips on managing personal finances
After 40 years of a sometimes rocky relationship, one party has announced they are leaving and lawyers have been instructed to make the arrangements for separating everything from the family silver to the credit card bills. This isn’t some celebrity divorce but Brexit. The United Kingdom voted to leave the European Union in June 2016, and after triggering Article 50 of the Treaty of Lisbon is likely to have completed the divorce by March 2019. So what effect will this have on peer-to-peer lending? Continue reading Brexit and P2P lending market: what to expect?
The European peer-to-peer lending market has grown exponentially over the past few years. For investors based on the continent and looking to make investments in EUR there’s a great variety of options, but many find it difficult to know where to start. When you look at the European market as a whole, certain regional clusters of expertise appear to have begun to take shape. Continue reading An Overview of the European P2P Lending Market
Long term financial stability is becoming a more prominent concern, especially in the circumstances of rapid financial growth. The boom of fintech has unfolded neverending investment and saving opportunities, all you need to do is to choose wisely. We asked Eduards Lapkovskis, CEO of the peer-to-peer lending platform VIAINVEST to share 4 quick tips on how to be smart about your financial decisions. Continue reading How to invest wisely? 4 tips from Eduards Lapkovskis, CEO of VIAINVEST
For many of us, the first introduction we had to peer to peer lending went something along these lines:
“Traditionally we all used banks. Banks lent money to consumers and small businesses at a high rate of interest. They used money from savers, paying them a much lower rate of interest. Banks made large profits on the spread between these two rates. Peer to peer lending connects lenders and borrowers directly so they both have a better rate.” Continue reading P2P Lending & The Lender/Borrower Spread