Loanpad drop in interest rates

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As a result of the Bank of England reduction, we are announcing a small reduction of 0.1% to our rates with effect from 02 June 2025, as follows:
Classic / ISA Classic              5.10%
Premium / ISA Premium         6.10%
I suppose you could say a .1% reduction as a result of a .25% reduction in BOE base rate is a softening of the blow. There are conflicting views on a risk v reward argument for Loanpad. I will continue to hold my ISA Premium stake and I will add part of this years annual ISA allowance to that. This will still represent under 5% of my total investments.