The property-backed Innovative Finance ISA has arrived

Earn up to 12%* per annum tax-free by investing in loans backed by British property

* Your actual returns may be higher or lower as by lending to individuals and companies, your capital is at risk. The realisable value of the security depends on the value of the underlying property.

Please read our Risk Warnings for further details.

What is the Innovative Finance ISA?

The Innovative Finance ISA (IFISA) is a new ISA that became available 6 April 2016.

The IFISA allows you to earn tax-free returns by lending through peer-to-peer lending platforms such as LandlordInvest.  You may in the current tax year invest £20,000 across a combination of a cash ISA, stocks and shares ISA, and the IFISA.

LandlordInvest, being fully FCA authorised, is the first platform for residential mortgages that offers a property-backed IFISA.

Those wanting to join in the peer-to-peer investment boom, but with some tax-free protection can invest through a new Isa. LandlordInvest, a peer-to-peer lending platform, this week received Isa manager approval from Revenue & Customs, even though other platforms, including Funding Circle, Zopa and RateSetter, are still waiting for the go-ahead.

Click here for the article (Jan 2017)

What are the benefits?

The IFISA offers a fixed return rate and is less vulnerable to stock market fluctuations than the Stocks & Shares ISA. The Cash ISAs currently offer returns of around 1.0% per annum, whilst the LandlordInvest IFISA may offer returns of up to 12% per annum. Although keep in mind that higher returns also means higher risk.

Further, please remember that LandlordInvest is not covered by the Financial Services Compensation Scheme (FSCS) and your capital is at risk.

Other benefits with the LandlordInvest IFISA include:

  • Tax-free investment of up to £20,000 this current tax year
  • Choose the loans you invest in - all loans are secured by British property
  • Receive monthly interest payments
  • No investor fees

Please read and ensure that you understand our Risk Warnings prior to investing

Am I eligible to open a IFISA?

To open an IFISA account you need to be:

  • Be resident in the UK for tax purposes
  • Over 18 years old
  • Have your National Insurance number ready
The ‘innovative finance’ Isa is being hailed by some as the answer to years of miserable interest rates.

How do I open an IFISA?

1. Open a Standard account

It's free and only takes a few minutes. Click here to sign up

2. Activate your IFISA

By providing your National Insurance number and agreeing to the LandlordInvest IFISA terms and conditions

3. Deposit funds

4. Choose loans and receive monthly interest


Want to know more?

Opening an account with us is free and you can start investing with as little as £100.

If you have any questions, please get in touch

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