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P2P Blog is a UK focused investing blog which offers reviews and analysis on peer to peer lending and similar alternative finance investments.

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When I first started investing in peer to peer lending I was overwhelmed by the different options and possibilities. There’s nearly 100 different alternative finance platforms now open to UK investors, either here or in continental Europe. These differ widely in terms of the expected returns, the risks, the amount of manual work and the type of investments they offer. I started this blog to document my personal experiences: researching the market and investing my own money in different platforms.


Unbiased reviews that show a fair and balanced opinion of both the good and the bad. No platform is perfect!

Data Interactive

Free interactive tools to enhance your analysis and drill deeper into the data.

Genuine Investor Reviews

I invest my own money and share monthly income reports with my historical returns.

P2P Lending Reviews

18 in-depth platform reviews & more on the way!

Latest Posts

This is a neat and tidy summary of the latest blog posts, but you can see the full list of blog posts here.


July 2017
RateSetter Review: a fully rewritten RateSetter review, with updates on the provision fund, company accounts and loan-book breakdown.

June 2017
Huddle Capital: an Ablrate clone still in the early days.

May 2017
Flender: a UK/Irish P2P lending site with a social slant. 8%+ gross returns on offer with a limited time 10% Cashback for new customers.
: an ISA-friendly real estate crowdfunding platform that offers investors a chance to invest in “institutional grade” property deals from £5,000.

April 2017
Basset & Gold: Invest in a diversified portfolio of alternative finance platforms with a fixed rate of interest via Basset & Gold bonds.
Property Partner
: property crowdfunding site which focuses on large leveraged developments with multiple flats in prime/upcoming areas.
Abundance Investment
. A Q&A with the environmentally-friendly P2P lending site Abundance Investment. Covers the background to the site, the Innovative Finance ISA and an explanation of their IRR calculations.

March 2017
CapitalRise. A Q&A with Uma Rajah, the CEO of CapitalRise, with some questions about their platform, the ISA and the investments they offer.
Brickowner. A new property crowdfunding platform that wants to give general investors a seat at the table on large, profitable, institutional investment deals.
Saving Stream. Property development finance and bridging loans, paying 7%-12% to investors with a discretionary provision fund.
ArchOver. A peer to business lender that specialises in secured and insured loans against Accounts Receivables (AR).

February 2017
Folk2Folk. A community focused P2P lending platform with grand ambitions. Have you got the £25,000 minimum investment to spare?
Peer to Peer Investment Trusts. Hands-off investment in peer to peer loans, in an ISA, with instant diversification…. at up to 20% discount! But, read this intro before you remortgage your house, it’s not as straight-forward as it sounds.
Property Moose. Invest in UK property from £10 a share, and get a monthly rental yield and capital appreciation on sale. Is it the end of do-it-yourself buy-to-let?

> See All Reviews

July 2017
The Student Rental Market – a guest post from UOWN on trends in the student rental market.
UK P2P Self Assessment Taxes. The last thing anyone wants to do – taxes. This post starts with my understanding of what HMRC wants, has a nice matrix to show how each of my platforms treats income for tax, then descends into general waffle on the process for each platform.

June 2017
My May Income Report. A round up of my investments on all the P2P lending and Property Crowdfunding sites I invest in.

May 2017
A CurrencyFair trick to beat the market exchange rate on the popular low-cost currency exchange platform. Also has details on the €30 CurrencyFair referral bonus.

April 2017
A guest post from Frazer Fearnhead: The founder of The House Crowd shares his experience on the origins of Property Crowdfunding and the future of the market.
My March Income Report. A breakdown of my personal returns on all the P2P lending and Property Crowdfunding sites I invest in.

March 2017
An interactive data visualisation looking at real house prices and affordability over the last 35 years. Data taken from the Nationwide index and adjusted for RPI.
How to choose a low-fee Stocks and Shares ISA portfolio. I rearranged my stocks and shares ISA portfolio to a single low cost tracker.
RateSetter’s Provision Fund. An interactive data visualisation looking at data from the coverage ratio of RateSetter’s provision fund to expected defaults. Data collected by P2PBlog every 6 hours over the last 6 months.
Compare Robo Advisor Fees. A straight-forward fee comparison tool for UK robo advisor platforms based on investment amount.
Which is the best ‘hands-off’ P2P lending platform? Not everyone wants to spend hours every month managing their P2P portfolio. If you just want a simple, easy P2P investment then one of these 5 options may be perfect for you!
My February 2017 Peer-to-Peer & Property Crowdfunding Income Report. Has a number of general updates on what’s going on in the P2P world too!

February 2017
Low-Fee Money Transfer Services. What’s the cheapest way for UK residents to transfer money to invest in a Euro P2P platform? A comparison of five different 3rd-party money transfer services, comparing fixed-fees and exchange rate margins.
Compounding Returns & The Importance of Investing Early. There’s two investors: the first who puts away £2,000 per year between the ages of 19 and 25 then nothing afterwards, and a second who puts away the same £2,000 each year from the age of 26 to 65. Assuming (optimistically) both investments return 10%, who makes the most return by the age of 65?
Newbies: Read this tip before making your first RateSetter investment. I’ve had a number of people contact me about this first time RateSetter mistake, so I wanted to write a specific post to let you know the ‘trick’ before you make your first investment. With a few more clicks you can get a rate of return 0.1%-0.4% higher than the ‘Lend it now’ rate.

> See All Analysis

July 2017
UK P2P Self Assessment Taxes. The last thing anyone wants to do – taxes. This post starts with my understanding of what HMRC wants, has a nice matrix to show how each of my platforms treats income for tax, then descends into general waffle on the process for each platform.

June 2017
Euro P2P Cashback: a roundup of the best new customer cashback offers for European (non-UK) P2P lending sites.

March 2017
Property Moose launch a 5%, ~50% LTV mortgage investment product. A first look at Property Moose’s new investment product.
What’s Happening at Landbay? There’s been a notable drop in loan origination at Landbay towards the end of 2016. What was the reason for this, and what are Landbay doing about it?
The Budget 2017 & Alternative Finance. What does it mean for Peer to Peer Lending platforms?

February 2017
RateSetter Provision Fund Terms Update. For RateSetter investors that missed the note in their monthly statement, they are making a change to their provision fund terms from the 1st of March.
January-17 Income Report. What return did I get from my peer to peer and property crowdfunding investments in January 2017? Unfortunately, no-one knows as I was away on holiday and didn’t do the calculation!

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I started the mailing list to send out notifications when I find genuinely decent offers. My inspiration for this is something like the MoneySavingExpert or ‘Secret Flying’ email lists, but specifically for P2P Lending and UK investing. I don’t send emails for the sake of sending something, so no weekly spam of the same content you’ve seen before or can easily find online. On the downside, it could be some time in between emails if nothing interesting comes up! I won’t share your email address with any third party.