Current Affairs | Lending Works Blog

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.

Featured

How risky are IFISAs?
Scott Robertson - 22 March 2019
When it comes to investing, there are numerous questions that need to be asked, and lots of things which need to be properly understood before committing your hard-earned money
Could 2019 be the year of the IFISA?
Scott Robertson - 10 March 2019
For all the resilience the UK economy has shown, there is no doubt that this year's ISA season is set against a backdrop of uncertainty. Whatever the pros and cons, Brexit, and a lack of clarity on what our future economic relationship with the EU will look like, has left us at a crossroads.
Your guide to the Help to Buy ISA
Scott Robertson - 18 February 2019
The housing crisis in the UK is widely mentioned in the media, but the extent of it is often underestimated.
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
As the tax year end approaches, the financial services industry readies itself for a flurry of activity. That's in large part because, with just a couple of months to go, the so-called 'ISA season' is upon us.

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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

Should younger workers be paid more?
Scott Robertson - 24 May 2019
With political parties jostling for position amid a series of Elections, and the ongoing spectre of a snap General Election looming large, the Labour Party put forward a policy last week which has proved to be a talking point: increasing the minimum wage to £10 per hour, and extending this to workers under the age of 18.
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.
Is the state pension model the solution to social care?
Scott Robertson - 9 May 2019
The vexing issue of social care, set against a backdrop of an ageing population trying to sustain itself, refuses to go away, and policy ideas invariably prove divisive.
Should we be more positive about our economy?
Scott Robertson - 25 April 2019
On a daily basis, diligent readers of financial publications consume a wide range of economic data, which act as key performance indicators regarding the state of the UK economy.
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.
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.