Income

Compare Investment & Savings Income Ideas

BEST SELLER - Fixed Income
ProviderPlan NameCounterpartyISA OptionTermAnnual IncomeMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes5 years

5.04%

p.a. fixed

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  • 5.04% p.a. fixed income: tax free in an ISA
  • Monthly income: 0.42% p.m.
  • Fixed term: 5 years
  • Availability: ISA, ISA transfers and non-ISA investments  
  • Minimum investment: £3,000
  • Conditional capital protection: capital is at risk if the FTSE 100 Index falls by more than 50%
  • Arrangement fee: applies to this plan
  • Application deadlines: apply
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
Investing for High Income
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential IncomeMore Info
FTSE Contingent Income PlanNatixisyesUp to 10 years

8.20%

per annum

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Maximum 10 year structured investment plan paying a potential quarterly income of 2.05% (equivalent to 8.2% annually) and the opportunity to mature early from year 2 onwards. Also available as a Stocks & Shares ISA investment and ISA transfer.
FTSE 100 Kick-Out Income PlanInvestec Bank plcyesUp to 6 years

7.40%

per annum

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6 year investment plan paying a potential quarterly income of 1.85% (equivalent to 7.40% annually). Available as a Stocks & Shares ISA, non-ISA investment and ISA transfer.
FTSE Defensive Income Kick Out PlanSociete GeneraleyesMaximum 10 years

7.20%

per annum

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A 10 year structured investment plan paying a potential quarterly income of 1.80% (equivalent to 7.2% per year),and the opportunity to kick out from the end of year 1 onwards. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 Defined Income PlanInvestec Bank plcyes6 years

6.00%

per annum

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6 year investment plan paying a potential quarterly income of 1.5% (equivalent to 6% annually). Available as a Stocks & Shares ISA, non-ISA investment and ISA transfer.
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
High Interest Paying Current Accounts
 AccountInterest (AER)Overdraft RateFunding Required*Fee pmFeaturesApply
3% AER**£25 interest and fee free overdraft plus £10 buffer£500 per monthFree3% AER variable in-credit interest on balances up to £1,500More Info >
1.50%*Fee free for 4 months then £1 per day£500 per month£5 pm*1.50% AER (variable) on your entire balance up to £20,000 (3.0% AER until 1st November 2016). Up to 3% cashback on household bills.More Info >
N/A0% for first £250No minimumFree if funding £1,000 or £10 below £1,000£100 for switching into account. £250 interest free overdraft. Free banking if paying over £1,000 per month. £100 if not satisfied after 6 monthsMore Info >
Fixed Rate Income Bonds
ProviderAccountInterest RateTermApply

2.21%

AER fixed

£1,000

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Earn 2.21% AER fixed. 5 year term. Interest can be paid monthly or annually. Minimum deposit £1,000, maximum deposit £250,000. No withdrawals permitted. FSCS Protected.

2.10%

AER fixed

£1,000

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Earn 2.106% AER fixed. 4 year term. Interest can be paid monthly or annually. Minimum deposit £1,000, maximum deposit £250,000. No withdrawals permitted. FSCS Protected.
High Income ISA
ProviderAccountTarget ReturnTermMore Info
Up to 8.70%
per annum
1 to 5 YearsApply Now >
  • Earn estimated 8.70% APR*
  • 1 - 5 year term
  • Available for ISA, ISA transfer & direct investment
  • Minimum investment £10
  • Manage your account online
  • Capital is at risk and returns may be higher or lower
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS
6.00%
target rate per annum
No Fixed TermApply Now >
  • Innovative Finance ISAs (IFISA) are the new way to invest tax-free. Just like Cash and Stocks & Shares ISAs, you can invest up to £15,240 each tax year, and you don’t need to pay any personal taxes on your earnings
  • Lending Crowd will automatically diversify your funds across at least 20 loans through their Loan Market, with no more than 5% of your funds invested in any one loan. All repayments will be automatically reinvested.
  • Target return - 6% a year
  • No income tax or capital gains tax to pay on your profits
  • No fixed term, hold for as long as you wish
  • Also accepts ISA transfers from previous year's ISA's 
  • Minimum investment £1,000, Maximum £15,240
  • The target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS
3.75%
annualised per annum
Up to 5 YearsApply Now >
  • The Property‐Backed ISA is the latest in Landbay's peer‐to‐peer investments following the introduction of the Innovative Finance ISA from HM Treasury in 2016. A Landbay ISA investment is the same as a Classic investment with a tax‐free wrapper
  • Earn estimated 3.75% APR*
  • Up to 5 year term
  • Also accepts ISA transfers from previous year's ISA's 
  • Minimum investment £5000, Maximum £15,240
  • No ongoing fees or investment fees
  • Investments are automatically diversified across multiple buy-to-let mortgages
  • Sell your investment on the secondary market at any time, subject to Landbay's ability to reallocate your invested loan parts
  • Landbay's Reserve Fund exists in case a borrower misses a payment or defaults. To date they've had none
  • Capital is at risk and returns may be higher or lower
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders offer their own compensation schemes.

NEW High Income P2P Investment Ideas
ProviderAccountTarget ReturnTermMore Info
8.00%
average return
No Fixed TermApply Now >
  • With a Self Select Account you choose how to invest your money on the Loan Market. There are two types of loan you can invest in: 
  • New loans - bid in an online auction where you decide how much you would like to lend to each borrower, and at what interest rate. You can invest from as little as £20 and bid at rates starting from 5.95%.
  • Existing loans - you can buy loans from other investors on the Loan Market. There is no bidding involved and you can invest instantly. 
  • Loan sales - you can choose to the list your loans for sale on the Loan Market. All sales are subject to a fee of 0.5%
  • Average return - 8% a year
  • No fixed term, hold for as long as you wish
  • Minimum investment £20
  • Transparent fees – 1% of the amount invested
  • 0.5% fee for selling loan
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders offer their own compensation schemes.

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future. The products shown will be arranged on a non-advisory basis, unless otherwise agreed. Different types of investment carry different levels of risk and may not be suitable for all investors.

Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature.  If you are at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice. Please refer to our Non Advisory Terms of Business and Disclaimer & Privacy Statement  for further information.

The Financial Conduct Authority does not regulate taxation and trust advice, debt management, unsecured loans, credit cards, advice on household bills and some aspects of deposits, buy to let mortgages and secured loans. The information and content of this website is subject to the UK regulatory regime and is therefore intended for UK consumers.