easyMoney Review 2026

What it is

easyMoney is a British peer-to-peer platform: private investors lend to professional property developers, and every loan is secured on UK property. It is run by E-Money Capital Ltd, a London company first registered in 2003, and uses the easy brand under a licence from easyGroup. No easyGroup company owns the platform or stands behind investors' money. It says it has lent more than £642 million (27 March 2026). Its main product is an Innovative Finance ISA, a tax-free account for UK savers.

How it works

You choose a tier, not individual loans, and the platform spreads your money across its loans for you: bridging, term and development loans that run 24 months on average. The average investor holds slices of 26 loans (October 2026). The entry tier, Premium, starts at £100 and targets 5.40% to 5.70% a year; Premium Plus starts at £20,000 (6.35% to 6.70%); High Net Worth starts at £100,000 (7.30% to 7.70%). Professional investors can pick loans themselves. New money waits in a queue until it is matched with loans; the target is 30 days, not guaranteed, and cash earns nothing while it waits.

Returns

easyMoney publishes what each tier actually paid, next to its target, for every year since 2019. In 2025 the High Net Worth tier paid 7.52%, Premium Plus 6.53% and the entry tier, Premium, 5.50% (statistics as at 14 October 2026). These figures are after defaults, of which none were recorded, and before your income tax; they count only money invested for at least 90 days. In 2024 the three tiers paid 7.61%, 6.61% and 5.59%. Since 2023 results have stayed inside or close to the targets. In 2021 and 2022 cash waiting to be lent pulled some products below target; the lowest was 2.08% against a 3.08% target in 2021. The home page advertises targets of 5.4% to 9.5% a year (October 2026); the top of that range is for professional investors.

Losses and defaults

The platform reports no losses for investors. For 2025, defaults and loans more than 60 days late were both 0.00% in all three loan grades (data as at 14 October 2026). A loan counts as defaulted after 180 days without a payment, or after six months in which easyMoney has paid the interest itself.

Two things help keep these figures at zero. First, easyMoney may pay investors' interest from its own money for up to six months while a borrower is behind, so such loans do not show as late. Second, when it steps in on a problem loan, it moves the loan from investors to other lenders, including its own subsidiary. The platform's estimated default rate of 2% for its riskiest grade, C, is made up entirely of such loans. It does not publish how many loans were moved, at what price, or what was later recovered.

The operator's own audited accounts show that some loans are under strain. For 2025 easyMoney set aside £1.0 million for development loans it expects to default, because the property may not cover the full loan (accounts to 31 December 2025). A year earlier the amount set aside was £0.2 million, and all of it was used during 2025. This cost sits with easyMoney, not with investors, which suggests it covers shortfalls on loans it took off investors' books. It sits uneasily with the 0% default figure the platform shows; the accounts do not say how much was moved to the subsidiary or what was recovered.

What secures your money

Every loan is secured by a legal charge over UK property. On average the loans were 54% of the property's value for bridging loans, 58.4% for term loans and 58% for development loans (October 2026), so the property would have to lose a large part of its value before the loan was no longer covered. Each loan has its own valuation, and easyMoney grades borrowers A to D and lends only to grades A to C. Interest that borrowers pay in advance is held in a separate trust account as extra security.

There are limits. The charge does not always rank first: under the terms it can rank behind a lender already on the property. In a recovery, easyMoney's own costs are paid before your interest and capital. There is no provision fund, no buyback and no compensation scheme for money once it is lent, and the interest advances are at easyMoney's discretion. In plain words: lending at about half the property's value gives a real cushion, but the security has not been tested in public, because no recoveries are published.

Who runs it and its licence

The operator is E-Money Capital Ltd (company 04861007, England, registered on 8 August 2003 and renamed several times since), owned through the holding company E-Money Global Ltd. It is authorised and regulated by the UK Financial Conduct Authority (firm reference 231680) and is an ISA manager approved by the UK tax authority. No regulator action against it was found. Its audited accounts for 2025, filed with the company register in April 2026, show a profitable business: turnover of £8.54 million (2024: £7.36 million), profit after tax of £3.90 million and net assets of £7.13 million at 31 December 2025. The auditor gave a clean opinion and raised no doubt about the company's ability to keep going. easyMoney does not publish these accounts on its own site. It has no outside back-up company to run the loans if it fails; an internal wind-down coordinator would work with any insolvency practitioner. An independent UK research service says easyMoney supplies too little information to be rated (2026).

Fees

There are no fees to invest, hold or withdraw. A withdrawal to a bank account outside the UK costs £15 unless it goes through the platform's currency partner, Corpay. The platform keeps the difference between what borrowers pay and what investors receive, and does not say how large it is. When you sell loans early, the price can be a little above or below face value if interest rates have changed.

Getting your money out

You withdraw by selling your loans to other investors on the platform. Over the past twelve months this took under 24 hours on average (October 2026). Buyers are not guaranteed, and only loans that are paying normally and have more than one month left can be sold. After a sale, the money reaches your bank in one to three business days; the minimum withdrawal is £25. Cash that is not yet lent is protected by the UK compensation scheme if the bank holding it fails; lent money is not.

Our view

Return: Low — the top tier paid 7.52% in 2025, but it needs £100,000; the entry tier paid 5.50%. Risk: Very Low (higher means more risk) — no defaults, no loans more than 60 days late and no losses are reported, on loans at little more than half the property's value; keep in mind that interest advances and the transfer of problem loans help keep those figures at zero, and that the operator set aside £1.0 million in 2025 for development loans it expects to default. Risk-return: High — a modest, published and steady return for a low recorded level of loss.