P2P Lending Blog | Lending Works UK

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Using ISAs to fund your retirement
Scott Robertson - 6 February 2019
The 2019 ISA season is now in full swing, and it's as good a time as any to focus on financial planning - and, within that, looking ahead to your retirement years to ensure financial security.
Is a Lifetime ISA better than a pension?
Scott Robertson - 31 January 2019
The Lifetime ISA (LISA), announced in 2016, would prove to be one of George Osborne’s last flagship gestures to UK savers and investors as Chancellor, eventually launching against a backdrop of anti-climax a year later in April 2017.
A handy guide to the 2019 ISA season
Scott Robertson - 1 January 2019
Summary of a post.
Could a Care ISA ease the social care problem?
Scott Robertson - 30 August 2018
The issue of social care – and, more specifically, funding the cost of this care – is one which has become a major concern for our society.
ISA season: Why the IFISA could be right for you
Scott Robertson - 29 March 2018
There is barely a week to go until the conclusion of the 2017/18 financial year, which means that, as ISA season begins to hot up, time is running out to take advantage of your ISA allowance.

Most popular

The rise of challenger banks
Michael Todt - 21 April 2016
Over the last decade, there can be little dispute that the reputation of mainstream banks – and particularly the so-called ‘Big Four’ (HSBC, Barclays, Lloyds and RBS) – is at its lowest ebb.
Peer-to-peer lending explained
Nicholas Harding - 2 March 2015
The idea of peer-to-peer (P2P) lending is a simple one; you lend money to those who wish to borrow, with a view to receiving a great return for doing so.
FCA regulation of the peer-to-peer lending industry
Nicholas Harding - 18 April 2014
The peer-to-peer (P2P) lending industry is now regulated by the Financial Conduct Authority (FCA). The regulatory framework has been designed to protect customers and promote effective competition.
Quick guide to loan underwriting
Nicholas Harding - 18 April 2014
Loan underwriting is the process that we undertake to analyse all of the information provided by each loan applicant and their credit file to assess whether or not that applicant meets our minimum loan criteria. As part of that process all data is verified, analysed and summarised to paint a picture of each applicant.
Quick guide to paying tax on P2P income
Nicholas Harding - 17 April 2014
When you earn interest from a regular bank savings account, for example, the bank automatically deducts basic rate tax (currently 20%) before paying your interest. With interest earned from peer-to-peer lending, tax is not deducted automatically so lenders will need to declare their income to HMRC.

Recent

Open Banking – one year later
Scott Robertson - 23 January 2019
On 13th January, the open banking era completed its first year in existence, so it represents a natural juncture to reflect upon the past 12 months
A look at ISAs ahead of the 2019 ISA season
Scott Robertson - 17 January 2019
Perhaps the word 'fanfare' would be overstating the recent response to an uptick in UK savings rates.
Is overpaying your mortgage the best saving of all?
Scott Robertson - 10 January 2019
As 2019 moves into full swing, a big priority for every household should be to get their finances into the best possible shape.
Brexit - What does it mean for Peer To Peer Lending?
Scott Robertson - 18 December 2018
Clearly there is one story which is dominating the headlines at the moment: Brexit.
The best of 2018 for Lending Works
Scott Robertson - 18 December 2018
As 2018 draws to a close, with our bellies full of Christmas turkey, it's only natural to look back on the past 12 months and reflect. No doubt, it's been a turbulent one economically and politically, and not everyone has had it all their own way.