Investing made easy with easyMoney
This is a financial promotion and is intended to provide information, not investment advice.
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.
Understanding P2P lending
P2P lending exists within the ‘alternative’ end of the financial services sector. This means that it is not a mainstream product such as a bank-based savings account, a government bond or even a stocks and shares investment.
The alternative space comprises those financial offerings which come with a slightly higher risk than mainstream products such as hedge funds and emerging market investments. They might also refer to newer investments such as cryptocurrencies, which have a shorter track record and are not regulated in the same way as other financial products.
Even within the alternative sector, P2P lending occupies a relatively small space. The P2P market was founded in 2005 by Zopa (now Zopa Bank) but exploded in the wake of the global financial crisis. While there is no current data on the total value of the UK P2P lending market, it is believed to be well in excess of £1bn[1], and easyMoney is one of the UK sector’s largest property players.
They key risk with P2P lending is that the borrower may be unable to repay their loan, which would result in a default and could lead to a total loss of capital for the investors who have backed the loan. At easyMoney, we have managed to maintain a zero capital loss record to date for our lenders by working with creditworthy borrowers who have passed our strict due diligence processes. We also work to protect our investor capital by taking property as security on every loan, at conservative loan-to-values. This means that in the event of a borrower default, easyMoney can sell the underlying property to recoup our investors’ cash.
What is easyMoney?
easyMoney is a user-friendly online platform that connects everyday investors, sophisticated investors, high net worth individuals and professional or corporate investors with borrowers who need loans. Instead of putting your money into traditional savings accounts with low interest, easyMoney allows you to lend directly to property professionals across the UK.
easyMoney handles all of the hard parts - the credit checks, loan assessments, and repayments. It is designed for investors who want an easy, transparent way to invest without needing to be financial experts.
How does investing with easyMoney work?
The easyMoney investment process is hopefully as simple as 1-2-3.
Step 1: Sign up and verify
Creating an account on easyMoney’s website takes just a few minutes. You’ll provide some basic personal details, verify your identity for security purposes and take an appropriateness test. Once passed and verified, you can start exploring the platform.
Step 2: Deposit funds
Next, add money to your easyMoney account through a secure bank transfer. Our minimum investment starts at £100 for Premium Account holders. Our Premium Plus Account has a minimum investment of £20,000, while the High Net Worth Account has a minimum of £100,000. Our Professional Account has a minimum investment threshold of £1m.
Step 3: Invest
easyMoney offers an auto-investing service, which means that your money will be automatically allocated across a diversified portfolio of loans to spread risk.
Once your investments are made and your money has been invested into loans, you will start earning interest. Borrowers make monthly repayments, and easyMoney collects these payments and credits your account accordingly on the 15th day of each month.
How to get started with easyMoney
Investing through easyMoney loans doesn’t have to be complicated or intimidating. easyMoney simplifies the process, giving you direct access to the UK P2P property lending market with just a few clicks. Whether you are saving for a goal, looking for better returns, or just want to try something new, easyMoney makes investing easy and accessible for everyone.
Ready to take the next step? Start the process of opening a new account here and start your journey as a P2P lender.
Capital is at risk. Past performance is no guarantee for future results.
Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future.