Why I built this site
I have worked in search and online publishing since 2006 and am Managing Director of a UK digital marketing agency. Over nearly two decades I have built a reputation for rigorous, data-led analysis of online markets.
Beyond my agency work, I am an active early-stage investor through the UK's SEIS and EIS schemes, and provide digital due diligence services to venture capital and private equity firms, work that centres on independently verifying claims and assessing risk. That same evidence-first discipline shapes how every provider on this site is researched and reviewed.
I built peertopeerisa.co.uk because the existing coverage of Innovative Finance ISAs was either thin comparison tables or platform-owned marketing. My aim is a genuinely independent, plain-English reference that always leads with the risks.
I am not a financial adviser and nothing on this site is personal financial advice. When I hold a view, I show my working and the sources behind it.
My experience
- Working in search & online publishing since 2006
- Managing Director, UK digital marketing agency
- Active SEIS/EIS early-stage investor
- Provides digital due diligence to VC & PE firms
- Conference speaker on AI and digital strategy
An important honesty statement
Gareth Hoyle is not authorised or regulated by the Financial Conduct Authority and does not provide regulated financial advice. This website provides general information and comparison only. I research this market because I find it genuinely interesting and because I think savers deserve a straight answer about a product that is often mis-sold as a high-interest savings account. But nothing here is personal advice, and you should never treat it as such.
Where this site earns money, I tell you, openly. See the affiliate disclosure, how we review, and our editorial policy. If you ever spot something that reads like it was written to sell rather than to inform, call it out. That's a bug, not a feature.