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That's great thanks. One follow-up question if I may...
I understand that there are scenarios with peer to peer lending where I might be considered by HMRC as carrying out a money lending trade rather than an investment (eg if the activity is large, takes a significant proportion of my time, is carried out in an organised way etc). Although this may then have NI implications, would I then be able to offset mortgage interest payments?
Understood, that's great. Thanks for your responses!