Please note we are not currently accepting new Innovative Finance ISA investment while current funds are being allocated. We will inform all House Crowd members once we resume funding. If you are looking to invest in the meantime, take a look at our Auto-Invest service, offering investors 7% p.a. automatically diversifying your funds across our portfolio of secure peer to peer loans and property developments, and providing interest payments twice a year.
Welcome To Our Innovative Finance ISA
You can now invest up to £20,000 in The House Crowd’s Innovative Finance ISA and earn 7% p.a. tax-free.
We automatically diversify your investment as far as practicable across a portfolio of secured bridging and development loans in accordance with our underwriting manuals, saving you the time and hassle of managing a diverse investment portfolio, while enjoying the attractive returns and tax benefits offered by of an Innovative Finance ISA.
Every loan made within our Innovative Finance ISA portfolio is secured by a legal charge over a UK property or land asset.
Just take a few moments to invest and leave the rest to us.
And earn an average annualised return of 8.2% over 5 years*
Earn Predictable, Consistent Returns
We offer fixed returns, unlike a stocks and shares ISA.
Start From Just £1,000
Invest between £1,000 and £20,000 under a tax-free wrapper in any one tax year.
Receive Interest Twice A Year
Or choose to compound your interest and keep it earning within the tax free-wrapper.
Your Money Earns Interest 365 Days A Year
With no 'downtime.'
Your money is automatically diversified across our loan portfolio, mitigating your risk.
Withdrawal Notice Period 3 Months
Following the expiry of the minimum term and subject to terms.
We've got skin in the game
In the unlikely event we're unable to recover your capital, after a default event, we will cover 10% of any capital loss as compensation.
*8.2% average annualised return assumes staying invested for 5 years and rolling up all interest payments made with no allowance for bad debt
Your Questions Answered
Is there a charge to open an Innovative Finance ISA account?
No, it's free to open our innovative Finance ISA account.
Are there any fees if I choose to invest?
What’s the minimum investment term?
3 years. After this term your money can be transferred / withdrawn by giving 3 months’ notice.
How is my investment secured?
Whilst The House Crowd Innovative Finance ISA is not protected by the Financial Services Compensation Scheme (FSCS), your money is protected by a legal charge secured against the borrower’s land/ property which can be possessed and sold in the event of the borrower not repaying. Please review our underwriting manuals for full details of how your money is protected.
Can I transfer money from my existing ISA?
We will only be accepting new investment for the time being and will not be able to accept transfers from other ISAs in the 2017/18 tax year. We expect to be able to do so by June 2018. We will let you know when that is possible.
Where can I find out more information?
Please contact our member support team for more information on both the benefits and risks associated with this product.
Have any questions for us? We’ve collated the most common enquiries we get, and they’re all answered here.
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Like any investment, ours are subject to an element of risk.
Learn more about this and what it means for you.
Useful information for further reading all in one place.
Learn more about what we do along with useful tips with our video library
Alternative Investment Podcast
Join CEO of The House Crowd Frazer Fearnhead and investing expert Paul Stallard as they explore a
range of thought-provoking issues surrounding alternative investment.
Designed to educate and entertain, our brand new 'Alternative Investment'
podcast brings a variety of upbeat, bite-sized tidbits.
Regular updates, information and opinion from Frazer and the team.
Our mission is to enable our clients to build a financially better future for themselves
through the provision of market-leading crowdfunded property investments that deliver
predictable and consistent returns.
Meet the Team
Meet the people behind the scenes making it all happen.
Frazer Fearnhead - Founder and CEO
Meet the founder and CEO of The House Crowd, Frazer Fearnhead.
In The Press
Keep up to date with our latest press coverage. Frazer’s not short of a few opinions!
Code of Conduct
Learn about what we stand for and the values that we work hard to uphold.
Have a question? Get in touch and we’ll get back to you as soon as we can.