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 […]
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 – […]
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 […]
There’s a well-known legal saying that hard cases make bad law. A similar logic applies to regulation – which is not quite legislation or case law, but you probably know what we mean. Our friends at P2P Finance News carry reaction from the industry to the Financial Conduct Authority’s proposed changes to the marketing of […]
Loans from property-backed Seascape (currently we are offering number 20 in the series) are proving popular. The latest A-rated tranche yields 8 per cent gross, at a fixed rate for five years. After less than a day, the issue is almost one-quarter subscribed. Bear in mind that while there is no profit without risk, our […]
Our view of the current problems surrounding the sale of mini-bonds is simple: investors should be extra-careful, and make sure they understand the risks of investment – which must be clearly explained by sellers. As we have been at pains to point out (see Wednesday’s News item) mini-bonds and P2P are different animals. Our friends […]
As an industry, the peer-to-peer (P2P) lending sector hasn’t done a great job of explaining and promoting itself. There’s considerable confusion about what P2P loans are and that’s not been helped by some mischief from sellers of mini-bonds (see this earlier article, which explains the difference). For the record, what we do is bring individuals […]
There has been much coverage of “mini-bonds” in the media recently. Many investors are rightly concerned and understandably confused by all the brouhaha over the catastrophic losses suffered by some mini-bond investors. At Money&Co. we do not offer mini-bonds, but it’s surely a good idea to explain what they are, if only for purposes of […]
We’re truly sorry to Mention it. You know, the B-word… But our friends at P2P Finance News rang our CEO and asked for commentary. See below. MONEY&CO. founder Nicola Horlick has warned that a no-deal Brexit could hurt peer-to-peer lending platforms which rely on asset-backed investments. Horlick, who earned the moniker ‘City superwoman’ while juggling […]