P2P Property Lending 'Disrupts' Market


MonopolyHousePic

The peer-to-peer (P2P) lending market is evolving all the time. Mortgage Introducer runs a feature on "disruptive" - very much a buzz word, but still appropriate - aspects of P2P lending.

"The low cost structure associated with peer to peer lending has enabled platforms to pass on benefits to both borrowers and investors. Perceived superior user experience has also led to analysts predicting a bright future for P2P lending platforms.

"Although as a market P2P lending is still considered to be emerging, it's reported that over $5.5bn in loans were issued by these platforms in 2014 in the United States alone.

"According to Price Water House Coopers, the P2P market could reach $150 billion or higher by 2025. BI Intelligence forecasts that UK P2P lending will grow at a 45% five-year compound annual growth rate, reaching £16 billion ($23 billion) by 2020.

"P2P platforms aim to provide risk-adjusted returns for investors which makes it only a matter of time before start-ups expand into a variety of asset classes including small business lending, student loans and mortgages."

M&CLogo

At Money&Co., we bring individual lenders seeking good returns on capital together with carefully vetted borrowing companies. Property is not usually part of the picture, unless it forms part of the asset base over which we take a legal charge to protect lenders' interests in case of a borrower default.

For more on how we operate, see our Frequently Asked Questions page, and our Knowledge Hub.



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Disclaimer: Money&Co.™ is the trading name of Denmark Square Limited, Company Number 08561817, registered in England & Wales, authorised and regulated by the Financial Conduct Authority (FCA). The company is identified on the Financial Services Register under Reference Number 727325. The registered office is 58 Glentham Road, Barnes, London, SW13 9JJ where the register of Directors may be inspected. Denmark Square Limited (ISA manager reference number Z1932) manages the Money&Co. Innovative Finance ISA.