Why the BoE rate drop won’t impact easyMoney investors

This is a financial promotion and is intended to provide information, not investment advice.

At easyMoney, our investors come first. We are committed to delivering the best possible outcomes for our investor community. We also work hard to ensue that our investors earn the best rates possible, in recognition of their trust in us.

We are currently targeting interest rates of between 5.4 per cent and 10 per cent for our investors, subject to terms and conditions. And the latest Bank of England rate cut won’t affect that.

How does the Bank of England base rate cut impact investors?

The base rate is the interest rate set by the Bank of England, and it effectively serves as the benchmark interest rate for the UK economy. Banks use it to set their own rates for loans and mortgages, so in that sense it influences the cost of borrowing and the return on savings across the economy.

On 7 August 2025, the Bank of England reduced the base rate to a two-year low of four per cent. This reduction is likely to be passed on to consumers by banks and building societies in the form of cheaper loans and lower savings rates.

When savings accounts are paying less, savers may choose to shift their focus from cash savings to higher-yielding assets like stocks, property and alternative investments such a peer-to-peer loans.

Will easyMoney investors be impacted by the base rate cut?

easyMoney investors will not be directly impacted by the base rate cut.

easyMoney is a P2P lending platform, not a bank. We do not offer savings accounts or traditional lending products such as mortgages. Instead, we hand-pick quality borrowers – many of whom we have worked with before – and we offer them a competitive interest rate to fund their next property development project, based on market rates and the level of risk involved. We take a small percentage of the borrower rate to cover our administrative and management costs, and the remaining interest is paid directly to our investors, who fund all of our loans.

We have followed this process since our inception in 2018, and we are constantly refining our system to further reduce risk and make it as easy as possible for our borrowers and investors to use the easyMoney platform. By doing this, we have maintained an impressive track record of zero capital losses to date.*

Will easyMoney reduce its rates following the base rate cut?

We have no plans to reduce our target interest rates.

We will continue to target rates of between 5.4 per cent and 10 per cent per annum, while delivering the same great service that we have become known for. If at any point we did decide to change our rates, our investors will be the first to know.

The Bank of England might be cutting its rates, but easyMoney is not.

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.