It has just come to me in a flash!
There are hundreds of pensioners and people who've paid their mortgages sitting out there getting no interest on their savings. There are hundreds of self-employed people with perfect mortgage payment history unable to get a loan.
I was aghast as always yesterday when I read the line on my mortgage statement that the £12000 I paid last year had brought my mortgage down £2900...
How do you go about setting up a bank where pensioners lend to self-employed people who prove they are unlikely to default?
If you can figure it out we're happy to help ,, 'cause you're absolutely right ,,our savings are getting us bugger all income ,,
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