• The brave new world of cryptocurrencies
      Scott Robertson - 27 June 2019

      Eighteen months ago, you could barely open the finance section of a newspaper without seeing headlines about Bitcoin. 

    • Mark Carney: a tenure of inertia
      Scott Robertson - 17 May 2019

      The starting gun has been fired to seek out Mark Carney's successor as Governor of the Bank of England (BoE), but he will nevertheless remain in his post until January 2020. 

    • Are falling house prices actually a bad thing?
      Scott Robertson - 18 July 2018

      Britons' obsession with home ownership is somewhat unique, and it is fair to say that many of our friends on the Continent are left perplexed by the importance we attribute to making the step up onto the housing ladder.

    • The rise of Generation Rent - and Generation Landlord
      Scott Robertson - 21 February 2018

      There are a number of statistics which emphasise the growing generational wealth divide in the UK; such as the projection that so-called millennials will be the first in modern history to be poorer than their parents.

    Recent

    • Is Britain facing a credit card bubble?
      Anthony Burgess - 15 January 2020

      January tends to be a comedown following the Christmas festivities, and, from a personal finance perspective, a time for many Britons to lick their wounds. In particular, for those who’ve over-extended their credit card, it may feel like the walls have started to close in.

    • 7 key economic factors for 2020
      Scott Robertson - 8 January 2020

      A new year, and indeed a new decade has dawned. Reflecting on 2019, what seemed to have got lost in the noise and political hysteria was the fact that the UK economy actually held up remarkably well.

    • Mortgage lending: are homeowners overstretching?
      Scott Robertson - 17 December 2019

      As the good times rolled in the mid-2000s, only a precious few sounded the alarm as lending became increasingly reckless. Northern Rock's infamous 'Together' 125 per cent mortgage epitomised the rush for high loan-to-value (LTV) deals at a time when it was thought that house prices would just keep going up forever.

    • Does GDP still matter?
      Scott Robertson - 17 December 2019

      For those with an eye on the economy, 'GDP day' is always one to mark off in the calendar each month. And it's been a hot topic for the UK in 2019, with the latest update showing zero growth for the period from August to October.

    • Auto-enrolment: the fault in default funds
      Scott Robertson - 17 December 2019

      One of the perceived strengths of the auto-enrolment pension scheme is its simplicity – indeed, it is actually a greater effort for an employee to opt-out of a workplace pension than it is to be enrolled into one. No further actions are required, and the retirement fund grows as the months and years pass by.

    • A new era of regulation for P2P lending
      Scott Robertson - 12 December 2019

      On Monday this week, a new FCA regulatory framework came into effect for peer-to-peer (P2P) lending in the UK, in line with June’s PS19/14 Policy Statement.

The Lending Works Shield does not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The Lending Works Trustee has absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Lending Works Shield when considering whether or how much to invest. For more information click here.