Account
Easy Money Peer to Peer Classic IF ISA
Target Return
7.28%
annualised 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 Easy Money Balanced Innovative Finance ISA
- Minimum investment of £10,000
- 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
- You will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more!
- 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
British Pearl IF ISA
Target Return
up to 4.40%
fixed interest
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
- Invest £5,000 with British Pearl and receive a 32GB iPad. T&Cs apply
- British Pearl offers easy access to UK property market returns or the opportunity to earn like a bank by being a mortgage lender
- Innovative Finance ISA – tax free returns
- Monthly interest income
- Secured by first charge over UK property
- Fully flexible/allow ISA transfers in
- British Pearl is FCA authorised
- Capital at risk
- Must be aged 18 or older
- The value of your investment can go down as well as up and historic performance is not a guide for future performance
- Share & Loan investments are not covered by the FSCS
Account
Easy Money Peer to Peer Premium IF ISA
Target Return
4.05%
annualised 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 £1,000
- 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 up to 55% at over 100 of Britain’s biggest retailers and more!
- 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
Landbay Peer to Peer IF ISA
Target Return
3.75%
annualised 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
- 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
- Also accepts ISA transfers from previous year’s ISA’s
- Minimum investment £5000, Maximum £20,000
- 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
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
6.00%
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
- Up to 3% cashback on any investment PLUS £50 on every an ISA transfer to LendingCrowd. Terms & Conditions apply
- 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
Account
Ratesetter Peer to Peer IF ISA
Target Return
3.10% to 6.10%
average annualised rate
Term
Easy Access, 1 Year or 5 Years
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
- New investor offer: £50 bonus when you invest £500+ or £150 bonus when you invest £10,000+ for a year. Ts & Cs apply
- Innovative Finance ISA – all earnings are tax free
- Choice of three markets: Rolling, 1 Year or 5 Year
- Capital and interest is only paid at the end of loan term in 2 out of the 3 markets – in the 5 year the interest is repaid in line with the investment repayment
- Access your money early if funds available in market to replace withdrawal
- Provision fund provides buffer against credit losses
- Capital at risk
- Must be aged 18 or older
- RateSetter IF ISA is an investment, not a deposit account
- Provision fund is not a guarantee
- Peer to peer lending is not covered by the FSCS
