Your Money Could Do Better, 
Invest It With RateSetter.

Access better returns through peer to peer lending

 

Simple - you simply choose how much to invest and the level of access you require.†

Fast - your money can be put to work within minutes.

Clear - full loan performance information is available in real-time in our Data Hub.

Balanced - a diversified portfolio of loans to businesses, property developers and individuals.

Provision Fund - provides a buffer against any poorly performing loans.**

Capital at risk. Instant access not guaranteed. No FSCS protection.

 

**The Provision Fund has a 100% track record, with every investor receiving back every penny they invested, but it does not provide a guarantee, so your capital and interest are at risk if the Provision Fund is depleted by increased borrower defaults.

† Minimum £10 investment required.

Better returns statement based on 3 month average for 5 Year Market of 4.9% at 1 June 2018 versus a 1.06% Interest rate of UK monetary financial institutions sterling two year fixed rate cash ISA. Source: Bank of England 30 April 2018.

Investing with us

Earn tax-free returns with your ISA, or simply invest via your Everyday Account.

The Everyday Account

  • Earn returns of up to 4.9%* by investing in a balanced portfolio of loans to individuals, businesses and property developers.

  • The Provision Fund provides a buffer against any poorly performing loans. It has a 100% track record but doesn’t provide a guarantee.

  • A choice of 3 levels of access so you can choose the best fit for your needs and goals.

  • Your money can be put to work and earning within minutes.

The RateSetter IF ISA

  • All the benefits of the Everyday Account.

  • Returns are tax-free when you invest your annual ISA Allowance.

  • Transfer in from other ISAs to increase your returns.

  • Flexibility to withdraw and replace funds in the same tax year without affecting your ISA allowance.

*4.9% annualised rate is the 3 month average on the 5 year market on the 1 June 2018.

Current rates

Your money could do better, invest it with RateSetter

RateSetter was founded in 2010 by Rhydian Lewis and Peter Behrens to give people the opportunity to earn more on their money. They wanted to address the investment gap between cash and shares and make better returns accessible to everyone in a simple and modern way.

Since then, RateSetter investors have lent over £2,500,000,000 and earned over £100,000,000 in interest. RateSetter has grown to a team of 200 people based in London and Leicester operating across the whole of the UK. RateSetter is chaired by Paul Manduca, who is also the Chairman of Prudential plc.

Investing with RateSetter is:

Simple - You simply choose how much to invest (you can invest from £10 up to £1,000,000s) and the access you require; the Rolling Market offers flexibility while the 1 Year and 5 Year markets offer longer term growth and income opportunities.

Fast - Your money can be put to work within minutes. The RateSetter markets match investors with borrowers quickly and efficiently and enable your money to earn continuously.

Clear – You can access our portfolio’s full, real-time performance information at our Data Hub.

Balanced – Your money is invested in a diversified portfolio of loans to individuals, businesses and property developers, balanced across different borrower types and sectors. Protected by the Provision Fund – which provides a buffer against poorly performing loans. The Provision Fund has a 100% track record, with every individual RateSetter investor receiving back every penny they expected, but this does not provide a guarantee.

How we look after your money

The key risk to our investors is increased borrower default rates. We seek to mitigate this risk through:

  • Underwriting excellence: Robust and thorough credit checks on all borrowers. We take a careful approach to lending an only lend to borrowers who are creditworthy when the loan is granted.

  • Portfolio management: Our loan book is diversified across different borrower types and sectors.

  • The Provision Fund: Provides a buffer against poorly performing loans. The Provision Fund has a 100% track record, with every RateSetter investor receiving back every penny they expected, but this does not provide a guarantee.

Accessing your money

We understand that as an investor, your plans can change and you may need early access to the money you have invested with RateSetter. Over £350 million has been accessed early using the transfer function.

RateSetter investors can access their money as borrowers repay capital and interest in line with their agreed schedule. However, sometimes plans can change and they need to obtain early access to money matched to loans. Recognising this, our long-standing principle is that a lender can exit from any market, provided other investors are available to take their place on the loan contracts.

If you invest in our Rolling Market there are no fees to withdraw your funds. There is a straightforward fee to transfer your loans to an available lender in the other markets: 0.3% of the capital being withdrawn for the 1 Year Market and 1.5% of the capital being withdrawn for the 5 Year Market.

Start investing

  1. Amount: Decide how much you want to invest. The average investor has built up over £20,000, but you can invest from as little as £10.

  2. Access: Choose the level of access that best fits your needs and goals.

  3. Rate: Choose to earn continuously with the RateSetter Market Rate, or set your rate.

  4. Invest: Confirm your investment and the RateSeter Market will take care of the rest.