And after some delay – it’s here! The next tranche of the popular Project Seascape has arrived on site. This is a special-purpose vehicle, which will be used to fund property development. The management team has extensive experience in the property sector and a strong track record. The team has worked together since 2008, during […]
It’s time to do the sums. Figures recently released by the tax authorities reveal a shocking story of how poorly mainstream finance (banks and building societies to the fore) have served investors and savers. The raw data from HMRC can found here. Our analysis of the highlights – or should that be lowlights? – is […]
Landing on site… The next tranche of the popular Project Seascape. This is a special purpose vehicle, which will be used to fund property development. The management team has extensive experience in the property sector and a strong track record. The team has worked together since 2008, during which time they have completed 80 developments. […]
Savers frustrated at low interest rates from cash accounts can boost their returns and provide British businesses with the growth capital they need by investing in peer-to-peer (P2P) loans. If the loans are held in a Money&Co. Innovative Finance ISA (IFISA), the excellent returns, many times the average ISA-eligible cash deposit account, can be enjoyed […]
With new loan offerings landing imminently on site we revisit a recurring theme of our reporting on the peer-to-peer (P2P) business lending scene: the key factors of asset appraisal – security, access and yield. Let’s use these criteria to scrutinise our own P2P loans (average gross yield of over 8 per cent across £11 […]
Education is key to success for peer-to-peer (P2P) lending platforms, such as Money&Co. We write regularly on the need to educate and inform individual investors as to the benefits and risks of investing in P2P assets, whose yields become even more attractive if held in an Innovative Finance Individual Savings Account (IFISA). Bridging & Commercial […]
As we await the imminent arrival of new loan offerings on site, it’s a good time to revisit the fast-filling principal offering. This is a fixed-rate loan of £200,000, yielding 8 per cent, property-backed, with an A+ rating from our credit committee. It’s a pure loan, not a participation stake, but it offers the security […]
The Individual Savings Account is one of the best onshore tax breaks available in developed investment markets. Individuals can commit up to £20,000 per annum, tax-free. Money&Co. lenders have achieved an average return of over 8 per cent in the four years and nearly £11 million of loans facilitated on site. That yield – and […]
One door closes, another opens. Or maybe that should read “loan offer”. Yesterday, Money&Co. closed out a £200,000 B+ offering of five years’ credit from Elliot’s Hair at average gross yield of 10.6 per cent. New offerings will be on site shortly. Meanwhile our friends at P2P Finance News report a move by a UK-based […]
We’ve had a lot of interest in our 8 per cent (typical gross APR) managed portfolio service, following our tax-year-end marketing campaign. Below is a reminder of how it works. We will manage your loan portfolio for you and ensure that there is sufficient diversification to reduce risk. When money comes back from borrowers each […]