P2P Lending Knowledge Base
- Could the return on my investment be different to that advertised, over time?
- When can you get your money out of a loan?
- Am I covered by the Financial Services Compensation Scheme?
- What is peer to peer lending?
- What is the difference between an amortising loan and an interest only loan?
- Legal Status of Loans
- How do you assess your borrowers?
Ablrate Platform Knowledge base
- What would happen if Ablrate ceases business or chooses to wind down?
- Lending Options via SIPP/ISA/SASS
- My AER calculated against IRR and XIRR don’t agree. Why is this?
- Who is eligible to become a lending member?
- Who determines the interest rate?
- What do ‘Scheduled Borrowing Request’ and ‘Pledge’ mean?
- What if I have second thoughts about being a member?
- Are there any fees?
- How does Ablrate prevent fraud?
- What are Ablrate’s default rates and lending statistics?
- Instant Returns
- Is Ablrate regulated by the FCA?
- Interest payment is due today, why is it not showing in my account?
- How do you protect your asset if a borrower is overseas?
- Is there a minimum/maximum lend?
- How long does it take to start earning interest?
- How do you handle my funds when it is on an account?
- How do you withdraw money from an Ablrate account?
- How do I receive my interest payments?
- How can I become a lender?
- How to deposit funds
- How to close your account
- How to change your contact details
- How are loan rates set?
- Are there any automation tools available?
- Ablrate Customer Relations Team
- Which currencies do you accept?
- Can I download my Tax Statement from my account?
- How can I change my username and password?
- Is it possible to cancel a bid?
- Can I buy an existing loan?
- What does AER mean?
- How is interest calculated?
- What level of accuracy are you calculating to?
- Becoming a Lender on Ablrate
- Can I access my money before the end of a loan term?
- Can I be anonymous when using the site?
Secondary Market
- How to create an offer
- How to create a bid on the Ablrate secondary market
- What is the Ablrate Secondary Market?
- Why does my bid need to be fully funded?
- What yield are you displaying on the secondary market?
- What is a paused loan and what does it mean for me as a lender?
- What happens if I make a transaction error in the Secondary Market?
- What is a bid and offer price?
- Is the secondary market guaranteed to operate at all times?
- Accrued interest in the secondary market
- How do you place an offer?
- How do you place a bid?
- How to buy & sell loan parts
- Ablrate Secondary Market Explained
- How to create your own bids and offers on the Secondary Market
- Do loans that have been offered on the secondary market still receive interest?
- How do I accept a bid?
- Can I amend a bid or an offer after I place it?
Innovative Finance ISA
- What is a peer to peer lending ISA?
- At what point can I transfer my ISA from another provider to you?
- What happens if I accidentally over fund my Ablrate IFISA account?
- Can I fund my IFISA through a one off lump sum?
- Lending through your Ablrate IFISA
- If I do not make an investment during the tax year, do I keep my ISA allowance?
- How much of your existing ISA can you transfer?
- How do expected IFISA returns compare to cash ISA returns
- Can I move cash from my standard account into new IFISA?
- Can I transfer existing holdings from my Standard Account into my IFISA account?
- What is an IFISA?
- Can an IFISA be held with more than one provider
- How do you set up an Innovative Finance ISA?
- How do I make an investment in my Ablrate IFISA?
- Is there a limit on the amount of ISAs you can have in one year?
- What is an Ablrate Standard Account?
- What is my annual ISA allowance?
- What is the difference between a cash ISA, a stock and shares ISA and an Innovative Finance ISA?
- Who can open an Ablrate IFISA?
- Tax Year Dates
