Inheritance Tax (IHT) kicks in to estates valued at over £325,000. If you have a house (especially in the South East) that means it may well apply to you. The potential IHT bill can be pretty large. It’s applied at a flat 40 per cent above the threshold. Here’s a worked example offered by the […]
Our friends at P2P Finance News report Money&Co.’s move to promote managed portfolio investing. MONEY&CO is introducing a managed portfolio product that it says will offer extra security to investors by ensuring more diversification. The peer-to-peer business lender, which was founded by City ‘superwoman’ Nicola Horlick, is planning to discontinue single-loan offerings in favour of […]
We’re pleased to announce the recent launch of our latest property-backed loan. North-East Property Investment has a fixed-rate yield of eight per cent over three years. It’s 3 per cent subscribed at the time of writing. As ever, we’ve made our best efforts in due diligence and credit analysis before awarding this loan an A […]
We are not alone. Money&Co. has been in the vanguard of seeking extra security for our lenders, and focusing on property-backed peer-to-peer (P2P) loans. This means we take a legal charge on property and ensure that the loan-to-value figure offers good security. For example, in a recent string of webuyanyhomes.com loans, the loans were typically […]
We’re nicely into the new tax year. And our thoughts turn to plans for the future. The jury remains well and truly out on cryptocurrencies, although the sector has attracted a lot of interest from punters (hard to call them investors) following the 20 per cent surge in the price of Bitcoin in the past […]
Today we bring news of a service that is not for everyone. It’s a way of reducing liability to Inheritance Tax, which kicks in for people leaving estates of £325,000 or more (in fact, up to £450,000 if a house is included in the estate). With UK property prices being near historical highs – […]
We are pleased to see some evidence that the small businesses we’re all trying to help in the peer-to-peer (P2P) sector are increasingly aware of he alternative funding sources that we’re offering. Our friends at AltFi report on a recent survey. Nearly half of the UK’s small and medium-sized businesses, 49%, are poised to turn […]
Our colleagues in the peer-to-peer (P2P) sector of alternative finance, Zopa, have been at pains to point out that P2P loans are not the same as mini-bonds. This commentary has been taken up and recycled at P2P Finance News. Here’s an extract with which we agree – having pointed out the difference, and the higher […]
As the tax year comes to a close, it seems a good time to remind investors that the choice between different asset classes is not a zero-sum game. You don’t have to choose between investing in stocks and shares versus peer-to-peer (P2P) lending, for example. Both types of asset have different risks and different rewards. […]
As the tax year draws to a close, we revisit the attractions of peer-to-peer (P2p) loans as assets suitable for a self-administered pension plan (SIPP). Our friends at the SIPP Club feature Money&Co. this way – it’s all accurate, but since the publication of this, we’ve added many fixed-rate loans to the platform offerings. What […]