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Which platforms can beat a 4pc rate of inflation?

Earlier this week, Andrew Bailey, governor of the Bank of England, warned that inflation was heading towards four percent.

Meanwhile, new research from Hargreaves Lansdown has found that the average easy access rate hit an all-time low of 0.09 percent in August and that the average of new fixed accounts remained at their all-time low of 0.29 percent.

Last month, Britons held more than £9 billion in low-interest savings accounts. And as inflation picks up, many of these savers will look for ways to earn returns on their money.

There are plenty of peer-to-peer lending platforms targeting rates of four percent and above, meaning investors can protect their money from being eroded by the rising cost of living. By investing through an Innovative Finance ISA (IFISA), these investors can also earn tax-free returns on up to £20,000 in investments each year.

So which platforms are currently targeting rates of four percent or more?

Read more: Every P2P Personal Loan Platform Out Now


Ablrate invests in asset-backed loans and bridge loans, with target returns ranging from nine percent to 15 percent per year.

Abundance Investment

Abundance investors can choose from a range of bonds investing in green and socially conscious projects in the UK. The target return varies from bond to bond, but typically ranges from three percent to ten percent.


Business lender ArchOver has delivered an average return of 8.45 percent to investors over the past 12 months. In both 2020 and 2019, the platform returned an average of nine percent to its lenders.

Assetz Capital

Assetz offers three different accounts to its investors, including a quick access account, a 30-day access account, and a 90-day access account. The 90-day bill currently offers 4.1 percent per year.

Blend network

Real estate lender Blend aims for a return of between eight percent and 12 percent per year, secured against real estate.

Capital Increase

The main lender in central London is currently advertising target rates between seven and 12 percent per annum.


Business lender Crowd2Fund advertises potential rates of between six and 15 percent before fees and bad debts, by investing in UK companies.

Crowd for Angels

Crowdfunding platform Crowd for Angels offers individual loans, with varying returns. The platform is currently advertising with a target return of seven percent.


Real estate provider CrowdProperty has suffered no losses to date and is aiming for a return of up to eight percent per year for investors, supported by an initial depreciation protection against real estate.

crowd stacker

Crowdstacker’s loans are individually priced, with a target return of as much as 12 percent, secured against assets.

crushing crowd

To date, Downing’s bonds have yielded an average annual return of 5.28 percent, with zero percent bad debt. However, some of its real estate development loans have a target yield of 10 percent or more.

Easy money

EasyMoney’s real estate-backed loans offer anywhere from 3.08 percent to eight percent per annum, depending on the quality of the loan being offered.


Folk2Folk’s private and institutional investors can earn up to 6.5 percent per year by investing in rural properties and businesses.

Funding ourselves

Fund Ourselves specializes in short- and medium-term consumer loans and aims to achieve returns of up to 15 percent for its investors.

Investing and financing

The home and bridging lender aims for about 6.5 percent per year for its investors, with zero percent bad loans to date.

Only U.S

JustUs’ real estate backed loans are priced on a case-by-case basis, but advertised with loans currently listed with a target return between 6.5 and 9%.


Kuflink aims for 7.2 percent for its investors by investing in secured real estate loans. The platform often offers cashback deals that can further increase the overall value of investor returns.


LandlordInvest specializes in home buying and bridging loans, and advertises target returns of between five and 12 percent to lenders.

Leap Borrow

Leap Lending offers investors up to five percent by investing in consumer loans.

lending work

Up to 4.5 percent per year is projected for Lending Works personal loan investors.


Money&Co’s IFISA aims for seven percent a year by investing in legal loans, music loans and other business loans.


In 2020, real estate financier Proplend returned an average of 7.26 percent to investors. It currently offers loans with a target yield of 6.85 percent to 11.35 percent.

Rebuilding society

Rebuildingsociety’s average net return is 8.6 percent, but it has been known to list loans with a target return of up to 15 percent.


Relendex specializes in commercial real estate and offers rates of up to 11 percent on its loans.


Unbolted offers loans secured against luxury assets. Investors can earn up to 10 percent per year.


The world’s first P2P platform still offers inflation-beating returns, with interest rates between two percent and 5.3 percent, depending on the amount of risk the lender is willing to take.

Read more: Business lenders express concerns about the end of leave

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