Outcomes Statement
Here you can check the actual rate of return against advertised target rate
|
Risk Grade
|
Actual Arrears (more than 60 days) | Estimated Defaults | Actual Defaults | |
|---|---|---|---|---|
| Grade A | 0.00% | 0.00% | 0.00% | |
| Grade B | 0.00% | 0.00% | 0.00% | |
| Grade C | 0.00% | 0.02% | 0.00% | |
| Product | Period Available | Period Active | Target Rate Range | Actual Rate |
|---|---|---|---|---|
| Premium v9 | 1 Jan - 31 Dec | 1 Jan - 31 Dec |
5.40 - 5.70%
|
5.50% |
| Premium Plus v8 | 1 Jan - 31 Dec | 1 Jan - 31 Dec |
6.35 - 6.70%
|
6.53% |
| High Net Worth v8 | 1 Jan - 31 Dec | 1 Jan - 31 Dec |
7.30 - 7.70%
|
7.52% |
WEBSITE DEFINITIONS:
- The table above relates to the period from 1 January – 31 December 2025.
- Actual Arrears are calculated as a percentage of all live loans where the borrower is over 60 days behind on payments.
- Estimated Defaults is an estimate based on past loan results. This includes loans where easyMoney stepped in. It is shown as a percentage of all written loans and grouped by risk band.
- Actual Defaults are loans where the borrower has not made a payment for over 180 days (using the FCA glossary definition).
- Loan Bands easyMoney uses its own model to judge the risk of each loan. Loans are given a score from A, lower risk, to D, higher risk. We take a careful approach and only lend on loans rated A to C.
- Period Available means the time when lenders could start new loans at the advertised Target Rate Range. Loans started during this time stay in the product even after it closes, until the borrower pays the loan back or the lender sells it.
-
Actual Rate is the average return lenders actually received. This takes into account:
- money waiting in cash before being lent (cash drag),
- loans where the borrower did not repay (default),
- and interest being re-invested to earn more interest (compounding).
- Target Rate Range is the rate easyMoney advertised during the time the product was available. This is the rate lenders were meant to earn from borrowers. It does not include the effects of cash drag, default, or compounding. These are shown in the Actual Rate instead.
- The returns shown do not include tax. Lenders who do not hold the product in an Innovative Finance ISA may have to pay income tax, depending on their personal tax status.
- Past performance does not guarantee future results.
| Product | Period Available | Period Active | Target Rate | Actual Rate |
|---|---|---|---|---|
| Premium v9 | 1 Jan - 31 Dec | 1 Jan - 31 Dec | 5.53% | 5.59% |
| Premium Plus v8 | 1 Jan - 31 Dec | 1 Jan - 31 Dec | 6.52% | 6.61% |
| High Net Worth v8 | 1 Jan - 31 Dec | 1 Jan - 31 Dec | 7.51% | 7.61% |
WEBSITE DEFINITIONS:
- The table above relates to the period from 1 January – 31 December 2024.
- Actual Arrears are calculated as a percentage of all live loans where the borrower is over 60 days behind on payments.
- Estimated Defaults is an estimate based on past loan results. This includes loans where easyMoney stepped in. It is shown as a percentage of all written loans and grouped by risk band.
- Actual Defaults are loans where the borrower has not made a payment for over 180 days (using the FCA glossary definition).
- Loan Bands easyMoney uses its own model to judge the risk of each loan. Loans are given a score from A, lower risk, to D, higher risk. We take a careful approach and only lend on loans rated A to C.
- Period Available means the time when lenders could start new loans at the advertised Target Rate Range. Loans started during this time stay in the product even after it closes, until the borrower pays the loan back or the lender sells it.
-
Actual Rate is the average return lenders actually received. This takes into account:
- money waiting in cash before being lent (cash drag),
- loans where the borrower did not repay (default),
- and interest being re-invested to earn more interest (compounding).
- Target Rate is the rate easyMoney advertised during the time the product was available. This is the rate lenders were meant to earn from borrowers. It does not include the effects of cash drag, default, or compounding. These are shown in the Actual Rate instead.
- The returns shown do not include tax. Lenders who do not hold the product in an Innovative Finance ISA may have to pay income tax, depending on their personal tax status.
- Past performance does not guarantee future results.
| Product | Period Available | Period Active | Target Rate | Actual Rate |
|---|---|---|---|---|
| Premium v5 | 1 Jan - 24 May | 1 Jan - 24 May | 4.53% | 4.56% |
| Premium v6 | 24 May - 28 Jun | 24 May - 28 Jun | 4.78% | Not enough data |
| Premium v7 | 28 Jun - 16 Jul | 28 Jun - 16 Jul | 5.03% | Not enough data |
| Premium v8 | 16 Jul - 15 Sep | 16 Jul - 15 Sep | 5.28% | Not enough data |
| Premium v9 | 15 Sep - 31 Dec | 15 Sep - 31 Dec | 5.53% | 5.52% |
| Premium Plus v4 | 1 Jan - 24 May | 1 Jan - 24 May | 5.52% | 5.55% |
| Premium Plus v5 | 24 May - 28 Jun | 24 May - 28 Jun | 5.77% | Not enough data |
| Premium Plus v6 | 28 Jun - 16 Jul | 28 Jun - 16 Jul | 6.02% | Not enough data |
| Premium Plus v7 | 16 Jul - 15 Sep | 16 Jul - 15 Sep | 6.27% | Not enough data |
| Premium Plus v8 | 15 Sep - 31 Dec | 15 Sep - 31 Dec | 6.52% | 6.51% |
| High Net Worth v4 | 1 Jan - 24 May | 1 Jan - 24 May | 6.51% | 6.57% |
| High Net Worth v5 | 24 May - 28 Jun | 24 May - 28 Jun | 5.77% | Not enough data |
| High Net Worth v6 | 28 Jun - 16 Jul | 28 Jun - 16 Jul | 7.01% | Not enough data |
| High Net Worth v7 | 16 Jul - 15 Sep | 16 Jul - 15 Sep | 7.26% | Not enough data |
| High Net Worth v6 | 15 Sep - 31 Dec | 15 Sep - 31 Dec | 7.51% | 7.53% |
WEBSITE DEFINITIONS:
- The table above relates to the period from 1 January – 31 December 2023.
- Actual Arrears are calculated as a percentage of all live loans where the borrower is over 60 days behind on payments.
- Estimated Defaults is an estimate based on past loan results. This includes loans where easyMoney stepped in. It is shown as a percentage of all written loans and grouped by risk band.
- Actual Defaults are loans where the borrower has not made a payment for over 180 days (using the FCA glossary definition).
- Loan Bands easyMoney uses its own model to judge the risk of each loan. Loans are given a score from A, lower risk, to D, higher risk. We take a careful approach and only lend on loans rated A to C.
- Period Available means the time when lenders could start new loans at the advertised Target Rate Range. Loans started during this time stay in the product even after it closes, until the borrower pays the loan back or the lender sells it.
-
Actual Rate is the average return lenders actually received. This takes into account:
- money waiting in cash before being lent (cash drag),
- loans where the borrower did not repay (default),
- and interest being re-invested to earn more interest (compounding).
- Target Rate is the rate easyMoney advertised during the time the product was available. This is the rate lenders were meant to earn from borrowers. It does not include the effects of cash drag, default, or compounding. These are shown in the Actual Rate instead.
- The returns shown do not include tax. Lenders who do not hold the product in an Innovative Finance ISA may have to pay income tax, depending on their personal tax status.
- Past performance does not guarantee future results.
| Product | Period Available | Period Active | Target Rate | Actual Rate |
|---|---|---|---|---|
| Classic v1 | Unavailable | 1 Jan - 8 Oct | 4.05% | 4.04% |
| Classic v2 | Unavailable | 1 Jan - 8 Oct | 3.67% | 3.62% |
| Classic v3 | 1 Jan - 8 Oct | 1 Jan - 8 Oct | 3.08% | 2.87% |
| Premium v2 | Unavailable | 1 Jan - 31 Dec | 5.12% | 5.18% |
| Premium v3 | 1 Jan - 8 Oct | 1 Jan - 8 Oct | 4.03% | 3.89% |
| Premium v4 | 8 Oct - 15 Dec | 8 Oct - 15 Dec | 4.03% | Not enough data |
| Premium v5 | 15 Dec - 31 Dec | 15 Dec - 31 Dec | 4.53% | Not enough data |
| Premium Plus v2 | Unavailable | 1 Jan - 31 Dec | 6.06% | 6.06% |
| Premium Plus v3 | 1 Jan - 15 Dec | 1 Jan - 15 Dec | 5.02% | 4.90% |
| Premium Plus v4 | 15 Dec - 31 Dec | 15 Dec - 31 Dec | 5.52% | Not enough data |
| High Net Worth v2 | Unavailable | 1 Jan - 15 Dec | 7.01% | 7.09% |
| High Net Worth v3 | 1 Jan - 15 Dec | 1 Jan - 15 Dec | 6.01% | 5.89% |
| High Net Worth v4 | 15 Dec - 31 Dec | 15 Dec - 31 Dec | 6.51% | Not enough data |
Actual rates in some products for 2022 were slightly below target due to i) an influx of new investment onto the platform during the start of 2022. This meant new investors were waiting 1-2 weeks to have their funds invested which resulted in a lower actual return for these investors due to cash drag. ii) a higher proportion of A rated loans than anticipated for the year.
WEBSITE DEFINITIONS:
- The table above relates to the period from 1 January – 31 December 2022.
- Actual Arrears are calculated as a percentage of all live loans where the borrower is over 60 days behind on payments.
- Estimated Defaults is an estimate based on past loan results. This includes loans where easyMoney stepped in. It is shown as a percentage of all written loans and grouped by risk band.
- Actual Defaults are loans where the borrower has not made a payment for over 180 days (using the FCA glossary definition).
- Loan Bands easyMoney uses its own model to judge the risk of each loan. Loans are given a score from A, lower risk, to D, higher risk. We take a careful approach and only lend on loans rated A to C.
- Period Available means the time when lenders could start new loans at the advertised Target Rate Range. Loans started during this time stay in the product even after it closes, until the borrower pays the loan back or the lender sells it.
-
Actual Rate is the average return lenders actually received. This takes into account:
- money waiting in cash before being lent (cash drag),
- loans where the borrower did not repay (default),
- and interest being re-invested to earn more interest (compounding).
- Target Rate is the rate easyMoney advertised during the time the product was available. This is the rate lenders were meant to earn from borrowers. It does not include the effects of cash drag, default, or compounding. These are shown in the Actual Rate instead.
- The returns shown do not include tax. Lenders who do not hold the product in an Innovative Finance ISA may have to pay income tax, depending on their personal tax status.
- Past performance does not guarantee future results.
| Product | Period Available | Period Active | Target Rate | Actual Rate |
|---|---|---|---|---|
| Classic v1 | Unavailable | 1 Jan - 31 Dec | 4.05% | 4.04% |
| Classic v2 | 1 Jan - 31 Aug | 1 Jan - 31 Dec | 3.67% | 3.57% |
| Classic v3 | 1 Sep - 31 Dec | 1 Sep - 31 Dec | 3.08% | 2.08% |
| Premium v1 | Unavailable | 1 Jan - 31 Dec | 7.28% | 7.24% |
| Premium v2 | 1 Jan - 31 Aug | 1 Jan - 31 Dec | 5.12% | 5.11% |
| Premium v3 | 1 Sep - 31 Dec | 1 Sep - 31 Dec | 4.03% | 2.74% |
| Premium Plus | 1 Jan - 31 Aug | 1 Jan - 31 Dec | 6.06% | 6.08% |
| Premium Plus v3 | 1 Sep - 31 Dec | 1 Sep - 31 Dec | 5.02% | 3.45% |
| High Net Worth v1 | Unavailable | 1 Jan - 31 Dec | 8.00% | 7.99% |
| High Net Worth v2 | 1 Jan - 31 Aug | 1 Jan - 31 Dec | 7.01% | 7.03% |
| High Net Worth v3 | 1 Sep - 31 Dec | 1 Sep - 31 Dec | 6.01% | 4.20% |
Towards the end of 2021, an unusually high proportion of our loans were repaid within a month. It took about 6 weeks to re-invest these high cash balances, which had a negative effect on the actual return, particularly for the v3 products that were launched just before the repayments. As our loan book continues to grow and diversify, this reduces the likelihood of cash drag due to such fluctuations.
WEBSITE DEFINITIONS:
- The table above relates to the period from 1 January – 31 December 2021.
- Actual Arrears are calculated as a percentage of all live loans where the borrower is over 60 days behind on payments.
- Estimated Defaults is an estimate based on past loan results. This includes loans where easyMoney stepped in. It is shown as a percentage of all written loans and grouped by risk band.
- Actual Defaults are loans where the borrower has not made a payment for over 180 days (using the FCA glossary definition).
- Loan Bands easyMoney uses its own model to judge the risk of each loan. Loans are given a score from A, lower risk, to D, higher risk. We take a careful approach and only lend on loans rated A to C.
- Period Available means the time when lenders could start new loans at the advertised Target Rate Range. Loans started during this time stay in the product even after it closes, until the borrower pays the loan back or the lender sells it.
-
Actual Rate is the average return lenders actually received. This takes into account:
- money waiting in cash before being lent (cash drag),
- loans where the borrower did not repay (default),
- and interest being re-invested to earn more interest (compounding).
- Target Rate is the rate easyMoney advertised during the time the product was available. This is the rate lenders were meant to earn from borrowers. It does not include the effects of cash drag, default, or compounding. These are shown in the Actual Rate instead.
- The returns shown do not include tax. Lenders who do not hold the product in an Innovative Finance ISA may have to pay income tax, depending on their personal tax status.
- Past performance does not guarantee future results.
| Product | Period Available | Period Active | Target Rate | Actual Rate |
|---|---|---|---|---|
| Classic v1 | Unavailable | 1 Jan - 31 Dec | 4.05% | 4.06% |
| Classic v2 | 1 Jan - 31 Dec | 1 Jan - 31 Dec | 3.67% | 3.62% |
| Premium v1 | Unavailable | 1 Jan - 31 Dec | 7.28% | 7.35% |
| Premium v2 | 1 Jan - 31 Dec | 1 Jan - 31 Dec | 5.12% | 5.26% |
| Premium Plus | 1 Jan - 31 Dec | 1 Jan - 31 Dec | 6.06% | 6.14% |
| High Net Worth v1 | Unavailable | 1 Jan - 31 Dec | 8.00% | 8.03% |
| High Net Worth v2 | 1 Jan - 31 Dec | 1 Jan - 31 Dec | 7.01% | 7.08% |
WEBSITE DEFINITIONS:
- The table above relates to the period from 1 January – 31 December 2020.
- Actual Arrears are calculated as a percentage of all live loans where the borrower is over 60 days behind on payments.
- Estimated Defaults is an estimate based on past loan results. This includes loans where easyMoney stepped in. It is shown as a percentage of all written loans and grouped by risk band.
- Actual Defaults are loans where the borrower has not made a payment for over 180 days (using the FCA glossary definition).
- Loan Bands easyMoney uses its own model to judge the risk of each loan. Loans are given a score from A, lower risk, to D, higher risk. We take a careful approach and only lend on loans rated A to C.
- Period Available means the time when lenders could start new loans at the advertised Target Rate Range. Loans started during this time stay in the product even after it closes, until the borrower pays the loan back or the lender sells it.
-
Actual Rate is the average return lenders actually received. This takes into account:
- money waiting in cash before being lent (cash drag),
- loans where the borrower did not repay (default),
- and interest being re-invested to earn more interest (compounding).
- Target Rate is the rate easyMoney advertised during the time the product was available. This is the rate lenders were meant to earn from borrowers. It does not include the effects of cash drag, default, or compounding. These are shown in the Actual Rate instead.
- The returns shown do not include tax. Lenders who do not hold the product in an Innovative Finance ISA may have to pay income tax, depending on their personal tax status.
- Past performance does not guarantee future results.
| Product | Period Available | Period Active | Target Rate | Actual Rate |
|---|---|---|---|---|
| Conservative | Unavailable | 1 Jan - 15 Nov | 4.05% | 4.1% |
| Classic v1 | 1 Jan - 9 Dec | 1 Jan - 31 Dec | 4.05% | 4.06% |
| Classic v2 | 10 Dec - 31 Dec | 10 Dec - 31 Dec | 3.67% | Not enough data |
| Premium v1 | 1 Jan - 9 Dec | 1 Jan - 31 Dec | 7.28% | 7.36% |
| Premium v2 | 10 Dec - 31 Dec | 10 Dec - 31 Dec | 5.12% | Not enough data |
| Premium Plus | 10 Dec - 31 Dec | 10 Dec - 31 Dec | 6.06% | Not enough data |
| High Net Worth v1 | 1 Jan - 9 Dec | 1 Jan - 31 Dec | 8.00% | 8.10% |
| High Net Worth v2 | 10 Dec - 31 Dec | 10 Dec - 31 Dec | 7.01% | Not enough data |
WEBSITE DEFINITIONS:
- The table above relates to the period from 1 January – 31 December 2019.
- Actual Arrears are calculated as a percentage of all live loans where the borrower is over 60 days behind on payments.
- Estimated Defaults is an estimate based on past loan results. This includes loans where easyMoney stepped in. It is shown as a percentage of all written loans and grouped by risk band.
- Actual Defaults are loans where the borrower has not made a payment for over 180 days (using the FCA glossary definition).
- Loan Bands easyMoney uses its own model to judge the risk of each loan. Loans are given a score from A, lower risk, to D, higher risk. We take a careful approach and only lend on loans rated A to C.
- Period Available means the time when lenders could start new loans at the advertised Target Rate Range. Loans started during this time stay in the product even after it closes, until the borrower pays the loan back or the lender sells it.
-
Actual Rate is the average return lenders actually received. This takes into account:
- money waiting in cash before being lent (cash drag),
- loans where the borrower did not repay (default),
- and interest being re-invested to earn more interest (compounding).
- Target Rate is the rate easyMoney advertised during the time the product was available. This is the rate lenders were meant to earn from borrowers. It does not include the effects of cash drag, default, or compounding. These are shown in the Actual Rate instead.
- The returns shown do not include tax. Lenders who do not hold the product in an Innovative Finance ISA may have to pay income tax, depending on their personal tax status.
- Past performance does not guarantee future results.
Overall Performance
Average data as at 14 May 2026
Under 24 hours
Average time to sell loans
(over past 12 months)
24 months
Average loan term
27 loans
Average loans per investor
Bridge
53.3% Average LTV
£2,175,822 Average loan size
Term
58.4% Average LTV
£2,902,333 Average loan size
Development
56.6% Average LTV
£3,518,550 Average loan size
Loan Types and Risk Grades
We focus on bridge and development loans to property professionals who meet our strict lending criteria.
Before You Invest
Remember that property is subject to market conditions and therefore your capital is at risk. Peer-to-Peer Investments are not cash savings accounts so they are not covered by the Financial Services Compensation Scheme (FSCS).
We recommend you read more about Understanding the risks and how we manage risk before signing up and taking the appropriateness test to ensure this type of investment is right for you.
Have any further questions about peer to peer lending risks?
To find out more about peer 2 peer investments and how easyMoney could help you, please do not hesitate to get in touch with a member of our team today.