Account
Easy Money Peer to Peer Classic IF ISA
Property or Business Backed
Property Backed
Peer-to-peer lending can offer potentially attractive returns. Returns may be higher or lower. 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.
More Information About This Account
- TAX-FREE income through the Easy Money Balanced Innovative Finance ISA
- Minimum investment of £100
- No fixed term, hold for as long as you wish
- Secured by UK property
- Maximum 75% loan to value
- Buffer of 25% should the value of a property fall
- Invest over £1,000 and become an easyMoney plus card member, offering savings at over 1,000 of Britain’s biggest retailers
- Also accepts ISA transfers from previous year’s ISA’s
- As with all investing your capital is at risk when you lend to businesses. easyMoney reduces this risk by taking security over property
- Returns are not guaranteed and your actual returns may vary
- Capital is at risk
- Must be aged 18 or older
- Peer to peer lending is not covered by the FSCS
Target Return
7%
pa target return
Property or Business Backed
Property Backed
Peer-to-peer lending can offer potentially attractive returns. Returns may be higher or lower. 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.
More Information About This Account
- Up to £250 cashback for new investors
- Low minimum investment of £100
- Alternatively transfer your current Cash or IF-ISA
- 5 year fixed term
- Secured by UK property
- No platform or investment fees
- Interest paid annually
- Maximum investment £20,000
- Returns are not guaranteed and your actual returns may vary
- Capital is at risk
- Must be aged 18 or older
- Peer to peer lending is not covered by the FSCS
Target Return
6.1%
pa target return
Property or Business Backed
Property Backed
Peer-to-peer lending can offer potentially attractive returns. Returns may be higher or lower. 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.
More Information About This Account
- Up to £250 cashback for new investors
- Low minimum investment of £100
- Alternatively transfer your current Cash or IF-ISA
- 3 year fixed term
- Secured by UK property
- No platform or investment fees
- Interest paid annually
- Maximum investment £20,000
- Returns are not guaranteed and your actual returns may vary
- Capital is at risk
- Must be aged 18 or older
- Peer to peer lending is not covered by the FSCS
Target Return
5%
pa target return
Property or Business Backed
Property Backed
Peer-to-peer lending can offer potentially attractive returns. Returns may be higher or lower. 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.
More Information About This Account
- Up to £250 cashback for new investors
- Low minimum investment of £100
- Alternatively transfer your current Cash or IF-ISA
- 1 year fixed term
- Secured by UK property
- No platform or investment fees
- Interest paid annually
- Maximum investment £20,000
- Returns are not guaranteed and your actual returns may vary
- Capital is at risk
- Must be aged 18 or older
- Peer to peer lending is not covered by the FSCS
Account
Easy Money Peer to Peer Premium IF ISA
Target Return Up To
5.12%
p.a.
Property or Business Backed
Property Backed
Peer-to-peer lending can offer potentially attractive returns. Returns may be higher or lower. 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.
More Information About This Account
- TAX-FREE income through the Conservative Innovative Finance ISA
- Minimum investment of £10,000
- Higher rates available if investing over £20,000 (6.06%) or over £100,000 (7.01%)
- No fixed term, hold for as long as you wish
- Secured by UK property
- Maximum 65% loan to value
- Significant buffer of 35% should the value of a property fall
- You will automatically become an easyMoney plus card member, offering savings at over 1,000 of Britain’s biggest retailers
- Also accepts ISA transfers from previous year’s ISA’s
- As with all investing your capital is at risk when you lend to businesses. easyMoney reduces this risk by taking security over property
- Returns are not guaranteed and your actual returns may vary
- Capital is at risk
- Must be aged 18 or older
- Peer to peer lending is not covered by the FSCS
Account
Ratesetter Peer to Peer IF ISA
Target Return
3% to 4%
average annualised rate
Accounts Available
Access, Plus or Max Account
Property or Business Backed
Business Backed
Peer-to-peer lending can offer potentially attractive returns. Returns may be higher or lower. 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.
More Information About This Account
- Get started with a £20 bonus (minimum £10 deposit required). Terms apply
- Innovative Finance ISA – all earnings are tax free
- Choice of three accounts with different withdrawal fees: Access (zero fee), Plus (30 days interest fee), or Max (90 days interest fee)
- Invest in one or more loans
- Protected by the RateSetter Provision Fund, our buffer against poorly performing loans, with a 100% track record since 2010
- Capital at risk
- Must be aged 18 or older
- RateSetter IF ISA is an investment, not a deposit account
- Past performance is not an indicator of future performance
- Peer to peer lending is not covered by the FSCS
Account
Crowd 2 Fund Peer to Peer IF ISA
Target Return
8.70%
per annum
Property or Business Backed
Business Backed
Peer-to-peer lending can offer potentially attractive returns. Returns may be higher or lower. 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.
More Information About This Account
- 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
Account
Lending Crowd Peer to Peer Growth Account IF ISA
Target Return
4.90%
target rate p.a.
Property or Business Backed
Business Backed
Peer-to-peer lending can offer potentially attractive returns. Returns may be higher or lower. 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.
More Information About This Account
- Innovative Finance ISAs (IFISA) are the new way to invest tax-free. Just like Cash and Stocks & Shares ISAs, you can invest up to £20,000 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
- 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 £20,000
- 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
