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For generations, mainstream investing advice has followed a familiar cadence: put your money into the market, lock it away for decades, and try to ignore the daily volatility. While that "buy-and-hold" strategy can build long-term wealth, it completely ignores a pressing, modern financial need: consistent liquidity.

In today’s economic climate, waiting a year for a dividend payout or decades for a bond to mature doesn't always align with life’s practical demands. Investors are increasingly seeking alternative ways to make their capital work harder while generating a predictable stream of income.

This is where the benefit of regular interest payments comes into play. By switching from long-term capital appreciation to a monthly income model, you can fundamentally transform your cash flow, reduce portfolio volatility, and if you reinvest you can supercharge your compounding potential.

Let’s explore how regular income payments can transform your portfolio, using the innovative Peer-to-Peer (P2P) property lending model pioneered by easyMoney.

£642m+  lent to date across the UK

0 investors who have ever made a loss

12 hrs average time to sell loans since inception

easyMoney is the UK's largest peer-to-peer lender. That is a fact — measurable, verifiable, and grounded in the numbers. But the more interesting story is not the destination. It is the set of principles that got us here, and why those same principles point clearly towards what comes next.

e-Money Capital Limited has joined the Bridging & Development Lenders Association (BDLA) as a Lender Member.

The start of a new year marks a good opportunity to review your investment strategy and make sure your money is working hard.

The kind of returns you get depend on whether you’re a saver or an investor. Either way you may be wondering where to find the best returns in 2026 and where the key opportunities for growth lie.

The Bank of England has cut the base rate by a quarter of  a point, taking it to 3.75% from 4%.

The decision to reduce it by 0.25 percentage points is the fourth cut in 2025 and follows a reduction in August to 4% from 4.25% where it had been since May.

A change in interest rates impacts finances whether you’re a saver, borrower or investor.

easyMoney’s award-winning IFISA is available on all of our accounts, at rates varying from 5.4% to 10%, depending on the type of account opened and subject to terms and conditions.

IFISA returns tend to be higher than Cash ISAs but the risk is also higher. With peer-to-peer investing, the key risk is the possibility of the loss of capital due to a borrower default. easyMoney works to minimise this risk by taking a very conservative approach to lending and carrying out strict due diligence on every loan and every borrower. While past performance is no guarantee of future success, easyMoney has maintained a zero-capital loss rate to investors since inception, as a result of our careful risk management.

As with the Cash ISA, up to £20,000 can be added to an IFISA account each year, and all returns are protected from taxation. However, unlike the Cash ISA, IFISAs are not covered under the FSCS.

There are just six months left in the current financial year. On 5 April, the ISA annual allowance expires, and if you haven’t used it you could lose out.

There have never been more options for ISA savers and investors. There are scores of Cash ISA accounts available to tax-savvy savers, while the Stocks & Shares ISA can be used to shelter stock market gains from taxation.

But as one of the UK’s leading Innovative Finance ISA (IFISA) providers, we believe that this is the ISA to consider in the 2025/26 tax year.

UK Savings Week was an opportunity to explore modern savings habits, and the value of prioritising financial health in a challenging economy. The cost of living has been stubbornly high for the past few years, and with the possibility of tax hikes on the horizon it is natural that many people feel that they simply can’t afford to save. In fact, according to UK Savings Week statistics, about 14 million UK adults have less than £100 in accessible savings to fall back on.

But setting aside just a few pounds per week can make a remarkable difference to your financial health.

Peer-to-peer lending has been part of the UK investment landscape for more than 20 years. Yet despite its growth, there are still a number of myths and misunderstandings about the sector.

Out latest blog breaks down some of the most common misconceptions below, and explain what P2P lending really means for investors.

Did you know that peer-to-peer lending was invented in the UK? Zopa launched the first P2P lending platform 20 years ago in 2005, and since then the asset class has grown into a global phenomenon, with P2P lenders now operating in most countries.

In the UK, the P2P lending market has evolved considerably over the past two decades. Zopa has long since left the market, rebranding as a bank instead, and a number of new entrants have sprung up with unique offerings.

But how does P2P lending work in the UK? And what are the benefits and risks involved?

Each year, UK savers and investors are given a golden opportunity: the ability to earn tax-free returns through their annual ISA allowance. For the 2025/26 tax year, that allowance is £20,000 – and how you choose to use it can significantly impact your long-term financial growth.

At easyMoney, we offer a smart, flexible way to maximise your tax-free allowance through the use of our Innovative Finance ISA (IFISA).

easyMoney is committed to making investing as easy and transparent as possible, no matter how much money you have to work with.

All too often the financial services market relies on confusing jargon to explain complex products which may not actually be suitable for every type of investor. But at easyMoney, we want to ensure that every one of our investors understands exactly what they are investing in, how their money is being used, and the risks that are associated with peer-to-peer lending.

At easyMoney, we take great pride in our transparency and commitment to spreading knowledge and awareness of our products and services, and the UK peer-to-peer lending sector in general.

It recently came to our attention that ChatGPT was sharing incorrect information about our platform, and so we launched a series of blogs where we ask key questions to the AI chatbot and use the answers to correct the record.

In our final blog in the series, we tackle our reputation, as seen through the eyes of ChatGPT.

Read on to learn more about our position amongst competitors, our liquidity and more.

easyMoney is setting the record straight. With more and more people using ChatGPT to learn about financial services products and investment platforms, we have been shocked to learn the extent of the misinformation that exists about our company, and the services we offer.

Over the past few weeks, easyMoney has been asking ChatGPT a series of questions to find out what the chatbot thinks we do and addressing any inaccuracies in our blog section. 

Today, we are looking at ChatGPT’s understanding of our ISA offering and our borrower base. Read on to learn what the chatbot got right, and what it got wrong.

We continue our blog series on ChatGPT and again asked a series of questions about easyMoney to see what it got right, and what it got wrong. 

Since the AI chatbot was released to the public in 2022 it has become a serious competitor to Google, with users asking it advice on everything from historical facts, to therapy tips, to personal finance.

There’s no denying the hold that ChatGPT has over us. Since the AI chatbot was released to the public in 2022 it has become a serious competitor to Google, with users asking it advice on everything from historical facts, to therapy tips, to personal finance.

Furthermore, AI chatbots are not subject to the same rules and regulations as financial advisers and financial services firms, so there is a risk that incorrect or outdated information could negatively bias curious investors, potentially leading them to make poor financial decisions.

With this in mind, we decided to ask ChatGPT a series of questions about easyMoney to see what it got right, and what it got wrong. The results were eye-opening, to say the least.

The UK property market is undergoing a transformation, driven not by individual landlords, but by global institutional investors. Giants like Blackstone and M&G are deploying billions into everything from logistics hubs to rental housing, reshaping how homes and commercial spaces are funded and developed.

Last year, institutional investors such as private equity firms and pension funds spent a record £1.5bn on single-family homes . Blackstone claims to have been the largest provider of newly builds in the UK for the last three years, having built more than 17,000 affordable houses so far .

Despite years of government promises to build more social housing, the current property building boom is being fuelled by private investors who have seen an opportunity to plug a gap in the market and earn competitive returns in the process.

But what does this surge of capital mean for the average UK investor? And can retail investors still find value in a market increasingly dominated by private equity and asset managers?

easyMoney’s award-winning Innovative Finance ISA (IFISA) has officially passed the £100m milestone. This means that easyMoney is now one of the largest IFISA managers in the UK, and can claim a significant share of the UK’s total IFISA market.

The easyMoney IFISA was officially launched in February 2018, making easyMoney one of the longest-running IFISA managers in the country. The success of the IFISA has led to easyMoney being named IFISA Provider of the Year in both 2023 and 2024 at the Alternative Credit Awards.

For more than 25 years, UK taxpayers have been saving their money in Cash ISAs, benefitting from steady returns which are completely protected from taxation. Over the decades, the annual ISA allowance has gradually increased, and currently sits at £20,000. This means that every UK taxpayer can add up to £20,000 per year into an ISA account of their choice – this could be a Cash ISA, a Stocks and Shares ISA, or an Innovative Finance ISA (IFISA).

However, the Cash ISA has always been by far the most popular. According to provisional HMRC statistics, during the financial year 2022-2023, more than 7.8m Cash ISA accounts were active. This compares with approximately 3.8m Stocks and Shares ISA accounts, and 17,000 IFISA subscriptions.

In the run up to the Spring Statement, there were rumours that Chancellor Rachel Reeves planned to cut the £20,000 annual ISA allowance and reform the Cash ISA, sparking panic amongst savers and investors and prompting a flurry of ISA allocations. As a result, more than £4.2bn was deposited in Cash ISAs in March 2025 - a 31 per cent year on year increase[1].

After winning the Alternative Credit Investor award for IFISA provider of the year 2024, easyMoney has achieved another milestone - surpassing £500m in total written loans. 

The platform reached this milestone while maintaining its zero capital loss record to investors. To date, easyMoney’s investors have earned more than £50m in interest payments, with monthly interest payments amounting to approximately £1.5m per month.

By the end of the year, the P2P investment platform expects to have paid more than £60m in interest to its investor community.

Planning for private school fees can be daunting. With average fees per term exceeding five figures and rising about 4–5% each year (see Atticus Financial Planning), many parents are seeking smart ways to grow their savings.

One tool gaining attention is the Innovative Finance ISA (IFISA) - a tax-free investment account that allows you to invest in peer-to-peer loans and other alternative fixed-income arrangements.

This expanded guide examines how IFISAs compare to traditional savings options like Cash ISAs and Stocks & Shares ISAs, explores broader investment strategies for education costs, and analyzes the risks of IFISAs with tips to manage them. 

Inheritance Tax (IHT) is a significant consideration for high-net-worth individuals (HNWIs) in the UK. With IHT thresholds frozen and property values and investments rising, more estates are being drawn into the tax net. Careful planning is essential to protect your wealth and ensure your loved ones inherit as much as possible. In this comprehensive guide, we’ll cover the current IHT rules as of March 2025, key exemptions and reliefs available, and effective strategies for minimizing IHT liabilities. We’ll also discuss the role of ISAs and Innovative Finance ISAs (IFISAs) in estate planning – including how easyMoney’s property-backed IFISA could form part of a diversified IHT planning strategy. All information is presented in a professional, informative manner suitable for sophisticated investors, and adheres to Financial Conduct Authority (FCA) guidelines (note: this article is for information only and not personal financial advice).

Wealth preservation is a fundamental goal for investors, particularly high-net-worth individuals and those planning for financial security over the long term. The ability to grow and protect assets while mitigating risk is key to maintaining financial stability across generations. However, inflation, taxation, and market volatility can erode returns over time. 

One of the most effective tools available to UK investors for long-term wealth preservation is the Individual Savings Account (ISA). ISAs offer tax-free growth, income protection, and flexibility, making them an indispensable part of a structured financial strategy. With several different types of ISAs available, investors can tailor their portfolios to meet specific objectives while shielding their wealth from taxation. 

This article explores why ISAs are a cornerstone of wealth preservation, how they compare to other investment vehicles, and why they remain an essential tool for financial planning.  

With the April 5th tax year-end deadline fast approaching, investors have only a short window left to maximise their tax-free allowances, reduce liabilities, and position their portfolios for long-term success. Many of the most valuable tax-efficient investment opportunities reset annually, meaning that any unused allowances will be lost if not utilised before the cut-off date. 

For those looking to make the most of the final weeks before the tax year closes, this checklist outlines five essential actions to take to ensure that no tax-free benefits go to waste. 

With the Spring Statement scheduled for 26 March 2025, investors across the UK are anticipating potential changes to tax policies, ISA allowances, and broader fiscal measures that could shape their investment decisions for the year ahead. As the government seeks to balance economic growth with fiscal responsibility, high-net-worth and sophisticated investors should be preparing for possible adjustments that could impact their savings, investments, and long-term financial planning. 

For those investing through an Innovative Finance ISA (IFISA), understanding the potential shifts in economic policy is key to staying ahead of the market and maximising tax-efficient investment opportunities.  

With the April 5th tax year-end approaching, now is the time for investors to review their financial position, maximise tax-free allowances, and ensure their investment strategy is working efficiently. The tax system provides several valuable incentives for those who take action before the deadline, but many unused allowances do not roll over—they are lost permanently once the new tax year begins on April 6th. 

For savvy investors, taking a structured approach to tax planning can enhance returns, minimise liabilities, and build long-term wealth tax-free. This guide outlines the key actions to take before the deadline and explores how an Innovative Finance ISA (IFISA) can play a crucial role in tax-efficient investing.  

For high-net-worth individuals (HNWIs), tax efficiency is a fundamental pillar of wealth preservation. With income tax, capital gains tax, and dividend tax all eroding investment returns, strategic asset allocation and intelligent tax planning are critical to maintaining and growing capital over the long term. 

One of the most underutilised yet highly effective tools in tax-efficient investing is the Innovative Finance ISA (IFISA). While often overlooked in favour of traditional ISAs, an IFISA provides a unique combination of tax-free growth, attractive target returns, and asset-backed security—a compelling proposition for investors seeking stable, long-term wealth accumulation. 

With the April 5th tax year-end approaching, high-net-worth investors should be evaluating their portfolios to ensure they fully utilise their annual ISA allowance, protecting more of their wealth from taxation while maximising long-term, tax-free gains.  

For high-net-worth individuals (HNWIs) and sophisticated investors, navigating the intricacies of the UK tax system is essential for wealth preservation and growth. The higher your income, the more likely you are to face diminishing returns due to escalating income tax rates, withdrawal of personal allowances, and other tax burdens. With careful planning and the right financial tools, you can optimise your tax efficiency while staying compliant with HMRC regulations.

This guide explores tax strategies for high earners, focusing on how to mitigate the impact of higher income tax rates, utilise tax-efficient investment vehicles like the Innovative Finance ISA (IFISA), and make the most of your financial resources in 2025.

For investors using an Innovative Finance ISA (IFISA), flexibility is an essential feature that allows for more control over funds while still benefiting from the ISA’s tax-free advantages. However, many investors may not realise that withdrawals from a Flexible IFISA must be replaced before April 5th to retain their tax-free status. 

With the tax year-end fast approaching, those who have withdrawn funds earlier in the year still have time to replace those amounts before the deadline, ensuring they do not lose part of their annual ISA allowance permanently. This article explores how a Flexible IFISA works, why withdrawals can reduce your tax-free investment space, and what steps investors need to take before April 5th.  

In 2025, Flexible ISAs remain a popular choice for savers looking to maximise tax-free savings while enjoying greater flexibility. Among these options, the easyMoney Innovative Finance ISA (IFISA) stands out as a property-backed investment product that combines flexibility with the potential for higher returns.

This guide explores the best flexible ISAs available in 2025, how they compare to the easyMoney IFISA, and why flexibility matters for modern savers.