• Pre-tirement is the new retirement
      Michael Todt - 12 March 2015

      For many, the prospect of retirement evokes images of rocking chairs, time spent in the garden, playing golf, and deservedly bearing the fruits of relaxation for 40-odd years' labour.

    • IWD: A time for pension reflection
      Michael Todt - 6 March 2015

      This Sunday marks one of great significance, as the world comes together to observe International Women’s Day (IWD).

    • UK Pensions - Your money, your choice
      Nicholas Harding - 26 February 2015

      Last year’s announcement by Chancellor George Osborne regarding the pension reforms gave many soon-to-be pensioners cause for celebration. 

    • Quick guide to credit scoring
      Nicholas Harding - 18 April 2014

      As a responsible lender, we take into account your personal circumstances when applying for a loan with us. To help us do this, applications are assessed using a process called credit scoring.

    • 'Right to withdraw' periods
      Nicholas Harding - 18 April 2014

      The peer-to-peer lending sector is regulated by the Financial Conduct Authority (FCA). The FCA rules mandate all peer-to-peer lending platforms to offer borrowers a 14-day 'right to withdraw' period, during which they can withdraw from their agreements without penalty.

    • Quick guide to loan underwriting
      Nicholas Harding - 18 April 2014

      Loan underwriting is the process that we undertake to analyse all of the information provided by each loan applicant and their credit file to assess whether or not that applicant meets our minimum loan criteria. As part of that process all data is verified, analysed and summarised to paint a picture of each applicant.

    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.