Finance News | Lending Works Blog

5 money-saving resolutions for 2016
Michael Todt - 23 December 2015
Season’s Greetings to you all, and we hope you’re enjoying the most wonderful time of the year!
FCA regulation: A game changer for the good
Michael Todt - 8 October 2015
Summary of a post.
UK Student debt: Myths, musts & payday lenders
Michael Todt - 17 September 2015
Seeing was believing as Jeremy Corbyn romped to victory in the Labour leadership contest over the weekend.
Quick guide to how our interest rates work
Michael Todt - 23 July 2015
When making the decision to lend through a peer-to-peer platform there are many things to consider.
To buy or not to buy?
Michael Todt - 1 July 2015
For many people in their 20s and 30s in the UK, the ultimate dream is to get a foothold on the housing ladder.
5 awkward money conversations you need to have
Michael Todt - 25 June 2015
Nothing can bring up those cringe-worthy, uncomfortable exchanges quite like money can.
5 absolute MUSTS for first-time sellers
Michael Todt - 9 June 2015
So, we’ve done our bit and given advice on how to save for your first home in an earlier piece. But what about those looking to sell for the first time?
Have the 2015 pension reforms had any impact?
Michael Todt - 30 April 2015
We’re just three weeks into the pension freedoms, and already researchers are scrambling for data to demonstrate any significant change in the behaviour of over 55s.
Get your credit file in tip-top shape
Michael Todt - 15 April 2015
The new tax year is upon us, and while it might not be renowned as a time for the ‘life-changing’ resolutions we make on New Year’s Eve, it’s still a good time to reflect on your personal finances and consider your commitments for the next 12 months.
Pensioners, we're giving you 4 reasons to smile
Michael Todt - 31 March 2015
It’s been billed by many as ‘pension freedom day,’ and with the countdown to April 6 having now begun in earnest, excitement levels among soon-to-be pensioners are reaching fever pitch.
Introducing our all new Auto Income tool!
Michael Todt - 17 March 2015
At Lending Works, we’re committed to delivering greater control and flexibility to our lenders, and once again we’ve taken things to a new level by bringing in our brand new Auto Income tool.

Featured

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
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.

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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?

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