I’m a bank manager, don’t you know. Okay, I’ve been experimenting with Zopa, a peer-to-peer site for lenders and borrowers. Zopa is like an Ebay for money, in that you deal directly with Joe Public rather than institutions. If you fancy trying it, follow this link to Zopa  and we’ll both get an introductory bonus. Please make sure you read the documents and make your own mind up about the pros and cons.