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    1. Home
    2. ISA
    • Are ISAs on the decline?
      Scott Robertson - 22 March 2018

      Following their inception at the end of the twentieth century, the popularity of ISAs initially soared. 

    • Quick guide to the Personal Savings Allowance
      Michael Todt - 29 March 2016

      At the Summer Budget in 2015, George Osborne had multiple nuggets of good news for investors in peer-to-peer lending (P2P), most notably the announcement of the new Innovative Finance ISA (IFISA).

    • Will the ISA topple the pension?
      Michael Todt - 11 September 2015

      2015 will no doubt go down as the year of the pension ‘shakeup’. Chancellor George Osborne had already declared his plan for the revolution in 2014, but the impact of the freedoms has been marked.

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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

    • A new era of regulation for P2P lending
      Scott Robertson - 12 December 2019

      On Monday this week, a new FCA regulatory framework came into effect for peer-to-peer (P2P) lending in the UK, in line with June’s PS19/14 Policy Statement.

    • 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.

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 2019. All rights reserved.