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Ratesetter are a P2P lender, established in 2010. There are 4 ways of earning interest on your money; monthly rolling market rate, 1 year market rate, 5 year market rate or set your own interest rate. You do not earn interest on your capital if Ratesetter has not lent your money out. Your money is more likely to be lent out if you operate within their market rates.

They offer business loans, personal loans and property loans. All loans are backed by a personal guarantee or secured against an asset or property. You cannot choose which loans you are investing in, Ratesetter allocate the loans for you. If you wish to exit early you can use their 'Sellout' function provided there are funds available in the market to replace the amount being withdrawn. You may not receive all of the predicted interest if you exit early. There is no charge to exit if you are using the rolling market. There is a 0.3% charge of your capital to withdraw funds from the 1 year market and a 1.5% charge to withdraw funds from the 5 year market.

Ratesetter operate a provision fund which pays out if the borrower defaults on their loan repayments. They currently boast that not one investor has lost any money through investing with Ratesetter. If the provision fund is completely exhausted, Ratesetter have a secondary capital buffer to dip into which is made up of future interest and provision fund inflows. If all of these protections fail, Ratesetter will divide losses up equally amongst all investors.

How do they charge?

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