Insights

The UK economy continues to navigate a complex and uncertain period. While GDP saw a modest expansion of 0.4% in May, following flat growth in April, underlying trends reveal a mixed economic outlook. Inflation has eased significantly, returning to the Bank of England's (BoE) 2% target for the...

With so much talk of how generative AI is set to make an impact across industries, it is easy to understand why some will take these promises with a pinch of salt. The noise surrounding AI and its potential can be deafening, as firms adopt the badge to bolster their marketing efforts, making it...

The UK economy presented a mixed picture, with notable positives providing a cautiously optimistic outlook. UK inflation moved closer to the 2% target in April, decreasing to 2.3% from 3.2% in March, although services inflation remains persistent.

The UK economy showed resilience in early 2024, with GDP growing by 0.6% in Q1 after contractions in the previous two quarters. GDP per capita increased by 0.4%, marking the first rise in two years. However, the BoE forecasts subdued growth of just 0.2% for Q2.

Amidst ongoing challenges, the UK's economic outlook continues to present a mixed picture. While inflation has eased slightly, particularly in food prices, persistently high inflation in services poses persistent challenges, potentially prolonging higher interest rates and adding pressure on...

This report is the latest in a series that tracks mortgage data across Pepper Advantage’s UK portfolio of over 100,000 residential mortgages. It is important to note at the outset that our portfolio has a higher composition of borrowers who qualify for needs-based support and are therefore more...

In the ever-evolving landscape of India's financial sector, the Reserve Bank of India (RBI) has recently implemented tighter norms for consumer loans, a strategic move to address the surge in unsecured lending. This regulatory shift, while crucial for maintaining the health of the financial system,...

As the leaves fall and the nights draw in, recent data from UK Finance and Pepper Advantage's own Q3 UK credit intelligence report paint a stark picture of the challenges facing the UK mortgage market this winter. The convergence of these reports signals a period of heightened financial stress for...