I'm considering Zopa
- What does the headline rate for each product mean? How is it calculated?
- How will I know the returns of each of my products?
- Why is the rate different between the Zopa Access and Zopa Classic products?
- What is the term of the loans in each product? Can I choose the term of loans I get?
- What are “D&E markets” or “D&E borrowers”?
- What is the level of risk associated with each product?
- What are the default rates on Zopa loans, particularly for the higher risk markets?
- Zopa Plus isn’t Safeguarded – so what happens to my investment if those borrowers default?
- What is the proportion of different risk markets in each of the products?
- Is the rate going to be different for IF-ISAs?