Peer To Peer Investing

Peer To Peer Investing

Investment Opportunities To Lend To British Businesses & UK Property Projects

Account
Easy Money Peer to Peer Classic IF ISA
Target Return
7.28%
annualised p.a.
Term
No Fixed Term
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.

Account
Kuflink IF ISA
Target Return
7%
pa target return
Term
5 Years
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.

Account
Kuflink IF ISA
Target Return
6.1%
pa target return
Term
3 Years
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.

Account
Kuflink IF ISA
Target Return
5%
pa target return
Term
1 Year
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.

Account
British Pearl IF ISA
Target Return
up to 4.40%
fixed interest
Term
2 to 5 Years
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.

Account
Easy Money Peer to Peer Premium IF ISA
Target Return
4.05%
annualised p.a.
Term
No Fixed Term
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.

Account
Landbay Peer to Peer IF ISA
Target Return
3.75%
annualised p.a.
Term
Up to 5 Years
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.

Account
Crowd 2 Fund Peer to Peer IF ISA
Target Return
8.70%
per annum
Term
1 to 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.

Account
Lending Crowd Peer to Peer Growth Account IF ISA
Target Return
6.00%
target rate p.a.
Term
No Fixed Term
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.

Account
Ratesetter Peer to Peer IF ISA
Target Return
3.40% to 5.40%
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.

Peer to Peer Investing

Peer to peer lending, also known as P2P lending, is way in which savers can lend money directly to borrowers, getting rid of the middle man and potentially benefiting from a better interest return on their investment.

There are a range of different Peer to Peer Lending Platforms that offer Innovative Finance ISAs that allow you to lend to borrowers, so it is wise to shop around and consider which is best for you.

There is a risk with peer to peer back lending that you will get back less than you originally invested and peer-to-peer lending is not currently protected by the Financial Services Compensation Scheme.

You can put money in Peer to Peer investments either directly (outside of an ISA) or within an Innovative Finance ISA (IF ISA).

How the Innovative Finance ISA works

The ISA allows individuals to get tax-free returns on their investments in Financial Conduct Authority regulated and approved P2P lending platforms, which are typically available online, these platforms allow you to invest in various types  of borrower seeking various loan types  such as; personal loans, business loans and property loans.

The Innovative Finance ISA is its own distinct category of ISA, meaning savers can open other types of ISA as well such as a Cash ISA or Investment ISA; however it is important to remember to break up your allowance between the accounts so you do not exceed it.

Eligibility

In order to be eligible for an Innovative finance ISA you need to be:

  • Aged 18 years or over
  • A UK resident and tax payer

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.

Different types of investment carry different levels of risk and may not be suitable for all investors. 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 in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.