I hold for the same reason, market is scared of any lenders...

I hold for the same reason, market is scared of any lenders having potential defaults but that is not a concern I have for WZR, loan book has exploded in the last few quarters and margins have improved, IMHO were in a better position than we were pre-covid but we're well below value.

I'm not fully sold on the vehicle finance but hopefully it doesn't have too much of a negative impact although I know most people are assuming it'll do really well I'm cautiously negative about it until I see figures.

This is definitely at a price that I would top up but unfortunately it would go against my portfolio weighting so it's a firm hold for me.