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    1. Home
    2. Finance
    • Are long-term mortgage fixes a good idea?
      Scott Robertson - 30 August 2019

      For close followers of financial forums, one oft-trotted line among brokers is that fixing one's mortgage has seldom been to the retrospective benefit of the homeowner in the past 25 years.

    • The end of the mortgage prisoner scandal may be nigh
      Scott Robertson - 18 July 2019

      The financial crisis is a bitter memory of what can go wrong when regulators lose control of markets. It seems hard to fathom now, but a little over a decade ago, buyers could acquire mortgages to the tune of 125 per cent of the home’s value (the Northern Rock Together mortgage being one of the most infamous), with only the most lax affordability checks standing in their way. 

    • Should we fear a cashless society?
      Scott Robertson - 21 June 2019

      The decline of cash in recent years has been there for all to see, and the sound of a tap of a card seems far more common these days than the shuffling of notes and coins. But even still, the numbers make for remarkable reading.

    • Analysing the rise in pensioner poverty
      Scott Robertson - 6 June 2019

      Common perception these days is that of an inter-generational wealth divide, whereby pensioners are deemed to have it good, while millennials and Generation Z have a hard time making ends meet. 

    • 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.

    • 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.

    • Is credit scoring fit for purpose?
      Scott Robertson - 2 May 2019

      Credit scoring is a system which can have a big impact on many of our lives, yet in the UK it is one that we don't seem to be fully across as a nation.

    • 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 

    • 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.

    • What's happening with mortgage rates?
      Scott Robertson - 12 December 2018

      After nearly a decade without a rise in Bank of England rates, savers have finally had some relief in the form of two increases over the past year.

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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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Lending Works Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 723151), a member of Cifas (leaders in fraud prevention) and registered with the Information Commissioner's Office (ICO) (registration number ZA002001). Lending Works Limited is registered in England and Wales (company number 8302549) and its registered office is at 60 Gray's Inn Road, London, WC1X 8AQ. All data from this website (including statistical or market data) is protected by © and may not be used for any purpose without a licence. © Lending Works Limited 2020. All rights reserved.