Nobody can predict the final outcome of our Brexit negotiations with Brussels. However, we want to reassure you about the resilience of Bricks. Being authorised and regulated by the Financial Conduct Authority ensures our good governance and responsible practices. We carry out Bank of England style stress tests on our loan portfolio (33% drop in residential property prices. 40% drop in commercial property prices. 4% bank base rate). We maintain reserves in excess of Bank of England and FCA recommendations, and currently over 30% of every Bricks loan is funded by our directors and their families – the best form of risk management! It is reassuring to know that while our nation’s politics and economy are entering unchartered waters, we carefully manage your money alongside ours.