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    1. Home
    2. Finance
    • Is the pension system in need of reform?
      Scott Robertson - 5 September 2018

      "Incomprehensible! Baffling! Convoluted!"

      These are just a few of the adjectives bandied about when the subject of Britain's pension system is brought up.

    • Is the time right for digital cash?
      Scott Robertson - 7 June 2018

      Last week's crippling disruption of Visa, and the widespread failure of card payments across Europe, caused quite a stir.

    • Your mortgage: to fix, or not to fix?
      Scott Robertson - 23 May 2018

      Despite a lot of bluster in the months leading up to it, the recent decision by the Bank of England to hold base rates at 0.5 per cent was no surprise given the string of underwhelming economic data that emerged in the days prior to the announcement.

    • 10 essential holiday cost-cutters
      Scott Robertson - 10 May 2018

      Basking in the sun this past bank holiday weekend, it felt like summer had finally arrived. It's thus only natural to look ahead to the coming months, and the holidays that lie in store.

    • Energy price caps - how you can do more to save
      Scott Robertson - 8 March 2018

      The so-called Beast from the East may have subsided, but despite a welcome rise in the mercury, there is one inescapable consequence of the cold winter we've just endured - high energy bills.

    • Is the annuity set to rebound?
      Brendan Ashe - 1 February 2018

      The annuity was once the bedrock of British retirement planning and a natural (and obligatory) alternative for those without final salary pension schemes.

    • Will Open Banking revolutionise financial services?
      Brendan Ashe - 18 January 2018

      This past weekend, a so-called revolution took place, as Open Banking was launched.

    • Retirement and pensions: evolving with the times
      Brendan Ashe - 14 December 2017

      The concept of retirement is one which many people believe is as old as the hills.

    • Should we change the way money is created?
      Brendan Ashe - 1 December 2017

      The so-called ‘magic money tree’ was a hot topic of discussion in the build-up to June’s General Election. 

    • Inflation: A saver's worst enemy
      Brendan Ashe - 20 October 2017

      For savers, and indeed all British consumers, inflation data for September released by the Office for National Statistics this week confirmed what was already known: the squeeze continues.

    • Drawdown fees: the price of pensions freedom
      Brendan Ashe - 12 October 2017

      Few major policy shakeups are met without criticism in some corners, but it’s fair to say that the pension freedoms of 2015 have been viewed by retirees (and those approaching retirement) with a widespread, if cautious, embrace.

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    Featured

    • 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 

    • New product updates live!
      Scott Robertson - 22 July 2019

      Since opening our doors back in 2014, we’ve always prided ourselves on living and breathing two key principles at Lending Works: innovation, and putting the customer first in everything we do.

    • What is Retail Finance?
      Scott Robertson - 28 June 2019

      With the retail sector enduring its fair share of challenges, companies are looking at new ways to attract customers, and drive conversion. In an overcrowded, dog-eat-dog marketplace, with behemoths such as Amazon flexing their muscle, it’s easier said than done. 

    • A guide to the new peer-to-peer lending FCA regulations (PS19/14)
      Scott Robertson - 14 June 2019

      On 4 June 2019, the Financial Conduct Authority (FCA) released its new regulatory framework for peer-to-peer lending (P2P); a Policy Statement known as PS19/14. As you might imagine, it's a document which, following a three-month consultation, is a hefty read of no fewer than 102 pages. 

    • 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

    Most popular

    • 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.

    • 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.

    Recent

    • Could ‘helicopter money’ be an economic solution?
      Scott Robertson - 21 November 2019

      Ahead of the IMF’s world economic outlook last month, new managing director Kristalina Georgieva described the global economy as being in a ‘synchronised slowdown’, and the institution has subsequently trimmed growth forecasts for 2020. 

    • Has the tax burden gone too far?
      Scott Robertson - 13 November 2019

      The barely-anticipated Autumn Budget, perhaps predictably, fell by the wayside last week, with the country now heading to the polls next month. 

    • The risks of negative interest rates
      Scott Robertson - 30 October 2019
      Summary of a post.
    • A health check on Britain’s jobs market
      Scott Robertson - 24 October 2019

      Last week we took stock of the labour market, with the latest Office for National Statistics (ONS) data showing that the tide may be beginning to turn on Britain's so-called 'jobs miracle'. Unemployment ticked up to 3.9 per cent for June to August (an increase of 0.1 per cent), with the number of people in work falling by 56,000.

    • What next for stamp duty?
      Scott Robertson - 17 October 2019

      Whenever discussion turns to Britain’s misfiring property market, the words ‘stamp duty’ are seldom far away. Indeed, over the past two decades, it’s been something of a political football – one which has had a profound impact on both housing transactions, and the coffers at the Treasury.

    • Can economic growth be environmentally sustainable?
      Scott Robertson - 10 October 2019

      In recent months, it’s been interesting to observe the reception to Greta Thunberg, the 16-year old climate change activist who has been afforded some high-profile forums. The impassioned viewpoints she has shared have earned her legions of fans, albeit no shortage of detractors too. In particular, a speech at the United Nations climate change summit stirred fractious debate. 

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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