• 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

    • Fear not for British retail – an exciting future awaits
      Robbie Humphreys - 19 February 2020
      Summary of a post.
    • Income Tax: It’s here to stay
      Anthony Burgess - 11 February 2020

      Most people consider income tax to be a given, but in the UK it is barely two centuries old. In this article, we look at how this tax has developed over the years, and also why it is set to remain at the core of our tax system for many decades to come.

    • Open banking: slow, but steady progress
      Anthony Burgess - 5 February 2020

      Open banking celebrated its second birthday last month, but has the ‘revolution for financial services’ that was promised actually come to pass? In this article, we look at the progress the initiative has made so far, and what the future holds in the face of high levels of scepticism.

    • Has the energy price cap worked?
      Anthony Burgess - 28 January 2020

      On the face of it, a 'broken' energy market needed fixing, and the price caps introduced in early 2019 were heralded as the solution. But, one year later, have they actually helped consumers save?

    • Should falling inflation yield a rate cut?
      Anthony Burgess - 21 January 2020

      Last week, the Office for National Statistics surprised economists by announcing that the Consumer Price Index (CPI) had sunk to 1.3 per cent for December – a full 20 basis points lower than City expectations, and also the November equivalent.

    • 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.

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.