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    1. Home
    2. Economy
    • A guide to how the base rate rise will affect you
      Scott Robertson - 3 August 2018

      As is usually the case, economists are divided following the Bank of England's decision to hike interest rates by 25 basis points to 0.75 per cent on Thursday.

    • Why the time is right for the Bank of England to hike rates
      Scott Robertson - 24 July 2018

      As the Monetary Policy Committee (MPC) prepares to assemble for next week’s August meeting, many sceptics will be feeling that familiar sense of ‘here we go again’.

    • What does the dip in consumer confidence mean for Britain?
      Scott Robertson - 5 July 2018
      Summary of a post.
    • Brexit two years on: The economy, fintech and P2P
      Scott Robertson - 28 June 2018
      Summary of a post.
    • UK Q1 slowdown: should we be concerned?
      Scott Robertson - 3 May 2018

      Only a week ago, markets had priced the likelihood of a Bank of England (BoE) rate increase at 86 per cent.

    • The Autumn Budget: A job well done?
      Brendan Ashe - 23 November 2017

      In recent times, the contents of a Budget speech have seldom been a watertight secret. Indeed, certain proposals aren’t leaked to the media by accident.

    • A preview of the Autumn Budget
      Brendan Ashe - 16 November 2017

      The keys to Number 11 Downing Street are much coveted in British politics, and the role of Chancellor of the Exchequer is one which grants the chosen individual a great deal of power in shaping the future of the UK economy. 

    • Base rate increases: the dawn of a new era?
      Brendan Ashe - 3 November 2017

      3,774 days. 82 Monetary Policy Committee (MPC) meetings. 10 birthdays. All that and more has passed by since the last increase to Bank of England (BOE) rates in July 2007.

    • Understanding the UK’s productivity problem
      Brendan Ashe - 26 October 2017

      Few elements of macroeconomics better underscore the frustrating sluggishness of the recovery than productivity stagnation.

    • Is the end of BOE rate inertia finally in sight?
      Michael Todt - 14 September 2017

      In this blog, we’ve argued time and again in favour of the Bank of England increasing base rates, and always been the first to back Monetary Policy Committee members, who, at varying intervals over the past eight years, have explicitly or implicitly conveyed hawkish instincts.

    • The stock market and your pension
      Michael Todt - 7 September 2017

      One of the advantages of pensions is that they can, by design, be very simple from a management point of view. 

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    Featured

    • Credit risk performance update - October 2020
      Ines Maia - 30 October 2020
      Summary of a post.
    • Credit risk performance update - July 2020
      Ines Maia - 31 July 2020
      Summary of a post.
    • Lending Works set to receive significant growth capital
      - 3 July 2020
      Summary of a post.
    • Credit risk performance update - April 2020
      Ines Maia - 30 April 2020
      Summary of a post.
    • Credit risk performance update - January 2020
      Ines Maia - 29 January 2020

      In line with our risk management framework, today we published our Q4 2019 performance update.

    • Lending Works ranks 21st in the Sunday Times Hiscox Tech Track 100
      Scott Robertson - 6 September 2019

      As a platform, we take great pride in all that we've achieved since opening our doors for business nearly six years ago. We’ve 

    Most popular

    • Our take on Budget Day 2020
      Anthony Burgess - 13 March 2020

      Wednesday’s Budget speech, coupled with the cut to Bank of England rates, represented a decisive response to the coronavirus. Here we analyse the impact it will have on mitigating disruption from Covid-19, along with the long-term implications of this significant fiscal stimulus.

    • A crucial Budget for UK enterprise
      Anthony Burgess - 3 March 2020

      Rumblings from the Treasury ahead of next week's Budget suggest tax grabs will be needed to fund increased spending, and it appears UK enterprise could be in the firing line. Here we articulate why targeting entrepreneurs and small business is ill advised.

    • How to improve conversion rates
      Scott Robertson - 28 June 2019

      In a difficult climate, customer acquisition and lead generation present stern challenges for UK retailers, and a great deal of marketing spend invariably gets directed towards getting feet through the door. 

    • 5 ways to improve customer retention
      Scott Robertson - 27 June 2019

      There is a variety of literature and research illustrating the importance of building brand loyalty, albeit with some degree of variance. 

    • 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.

    Recent

    • IFISAs: an appealing middle ground this ISA season
      Anthony Burgess - 18 March 2020

      The 2019-20 ISA season has been a damp squib, with banks disinterested in attracting savers’ cash, rates cut, and the stock market in freefall. However, the emergence of the IFISA means alternatives beckon for those seeking a stable middle ground in terms of risk and reward.

    • Why do asset prices keep climbing?
      Anthony Burgess - 25 February 2020

      In a decade of slow recovery, the rapid rise in asset prices has been the standout. But how sustainable has price growth been, and could we be in the midst of a bubble?

    • 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?

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.

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