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When it comes to investing – and this applies to practically everything in life - it’s only through seeing the whole picture, with all its light and shade, that we can accurately interpret what’s in front of us.

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When we speak to would-be investors about our P2P lending platform, there tend to be several questions that keep coming up. Don’t be in the dark. The team here at easyMoney is always pleased to answer your queries, so don’t hesitate to get in touch if you’re not sure about something. 

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Today’s blog is about mixing things up: your Individual Savings Account (ISA) portfolio, that is. Have you ever wondered if a combination of ISAs is a good idea, and how it all works? What you can, and can’t do? Which ISA could perform best for you? Here’s your hot-off-the-press guide to ISAs from the team here at easyMoney.

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Here at easyMoney, making things as easy as possible is a key part of what we do.

We want our communication with our investors, both current and future, to reflect our straightforward approach. So, further to our Glossary blogs part 1 and part 2, today the easyMoney team offers you another “useful things to know” piece, to help you make fully informed decisions about your investments.

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We hope that you found our first Glossary blog useful. Welcome to Part Two. Here at easyMoney, we’re always looking for effective ways to reach out to would-be and existing investors alike. So, look out for regular jargon-busting “how-to” blogs, or useful, informative pieces from us. No doubt we’ve mentioned this before, but anything relating to money and investments CAN seem complicated. Just one or two words that you’re not sure about and perhaps your mind wanders. It may even put you off. 

Well, not with us. 

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At easyMoney, we like to think that our approach is summed up in our name: that is, we aim to make everything easy. Or rather, to connect with our investors to make the features and benefits of our P2P lending platform as clear-cut as possible.

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Sometimes, the world of finance can seem overly complicated, and in our opinion, equally off-putting. Here’s our straightforward guide to the differences between an IFISA and “regular” peer-to-peer lending. There are some key distinctions that we think are definitely worth knowing about.

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easyMoney, the investment platform from Sir Stelios Haji-Ioannou’s ‘Easy’ family of brands made a profit of £269,000 and paid out an average interest rate of 7.4 per cent during 2020, despite the impact of the Covid-19 pandemic. The firm added that its Premium, Premium Plus and High Net Worth products have actually paid out more than their target interest rates over the past year.

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easyMoney, the investment platform from Sir Stelios Haji-Ioannou’s easy family of brands has never lost a penny on its loans, more than three years on from its launch.

But easyMoney says that its record of having no losses on loans actually stretches back even further.

Prior to the launch of easyMoney in 2018, it acquired the successful property lending business of Tower Bridging, built up by industry veteran Jason Ferrando. The combined track record of easyMoney and Tower Bridging stretches back 15 years with never a penny of investors’ money lost.

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The taxman cometh – or does he?

Let’s talk about death and taxes. Not a cheerful subject, and although it’s a dreadful cliché, these two things really are the only certainties in life.

Whilst tax is part of our everyday experience and is an accepted reality, especially after our much-anticipated Budget statements, death is a little bit more taboo. Or so it seems. 

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Age, like taxes, comes to all of us. As we get older time seems to speed up  – and no one knows why. One day you’re in your early forties and then suddenly you’re staring retirement in the face and wondering how on earth you got here. Like a fine wine, we are sure that you’ve improved with age, if we may be so bold.  

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Forearmed is forewarned, we say. And, although it’s a bit of a cliché, information is power. Although standard cash ISAs have been around since 1999 as an integral way to save, IFISAs (Innovative Finance ISAs) are still relatively new in the marketplace.  If you’re considering this type of investment, it’s natural that you’ll have some important questions to ask any provider who may be offering you this platform. 

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The days are getting longer, and at last, the warming rays of the sun are lifting our spirits. Everywhere has a lighter, brighter feel. At the time of writing, gradual restrictions to lockdown are giving us all a degree of well-earned freedom.  

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easyMoney has predicted continued growth in building and construction this year, helped by government proposals to change permitted development rights. The peer-to-peer lending platform focuses on providing finance for residential property developers in affluent areas of the UK.

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easyMoney has called on peer-to-peer lending platforms to tell their investors how long it will take to withdraw their money. The P2P property lender said investors’ confidence in the P2P sector would improve if platforms should become more transparent and publish this information as standard.

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A good P2P property loan takes into account varied and specific information pertaining to both borrowers and the market. Detailed due diligence is the foundation for all easyMoney loans.

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London, February 10, 2021 – AFEX, one of the world’s largest non-bank providers of global payment and risk management solutions, is partnering with easyMoney, an alternative investment platform offering peer-to-peer property loans in the UK. 

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easyMoney focuses on lending to residential real estate developers in affluent areas of the UK and, despite the pandemic, 2020 was a good year for easyMoney’s residential borrowers.

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Evidence is mounting that savers are missing out the Innovative Finance ISA opportunity because they remain unaware of all of their ISA options.

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Peer-to-peer (P2P) lending (also sometimes known as ‘social lending’, ‘marketplace lending’ or ‘crowdlending’) allows people to obtain loans directly from another individual: expensive established, traditional financial institutions stop being the middle man. 

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With just under three months to the ISA deadline, there is still some time to investigate the types of ISAs available, decide which kind suits you best, and find an appropriate supplier.

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As we hurtle towards a deadline at the end of April for making decisions about where to put your ISA ‘allowance’, people are starting to review their options.

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