Innovative Finance ISA

Automatically build a diverse portfolio of property secured* loans with our IF-ISA Auto-Invest options

ifisa-2019 background

*Legal charge secured against UK property, however property values can go down as well as up so your capital is at risk and rates are also not guaranteed. Withdrawals may be restricted due to illiquidity. Not covered by the Financial Services Compensation Scheme (FSCS). Please read our full risk warning.

IF ISA: The Smarter Way To Earn Tax-Free Returns

You can now invest up to £20,000 in The House Crowd’s Innovative Finance ISA (peer to peer lending ISA) and earn 5% to 7% p.a.* tax-free.

Prior to January 2020 we had a separate IF ISA product, but ISA investments can now be made through our 3 Auto-Invest Products. You can choose the level of risk you are comfortable with by choosing to invest in our Auto-Invest Cautious, Balanced, or Bold products. Please refer to the chart further down the page for further information. You can click on the More Info button beneath each option for further information and to make an investment.

We automatically diversify your investment across a portfolio of secured peer to peer loans to save you the hassle of managing an investment portfolio whilst allowing you to enjoy the attractive returns and tax benefits offered by an ISA.

Every loan made within our IF ISA portfolio is secured by a legal charge over UK property or land. We believe it represents an attractive return with a decent level of risk mitigation.*

Setting up an account is simple and you can start tax free investing in just a matter of minutes and we will handle the rest.

 

* As with all investments, your capital is at risk, returns may vary and you must understand all the potential risks involved before you invest.

Transfer Your Existing ISA

Are you fed up of the returns you're getting from your existing ISA? If the answer is yes, you’ll be glad to hear that you can now transfer your current ISA to The House Crowd’s Innovative Finance ISA completely free of charge.**

So, if you would prefer to invest your tax-free allowance with The House Crowd and receive 5 to 7%* a year, tax-free with a diversified loan portfolio secured against UK property, here’s what you need to do.

  1. Open your House Crowd Account and upload your ID for our routine compliance checks.
  2. Once approved, apply for an ISA account (you’ll need your National Insurance number to hand).
  3. Click ‘my portfolio’ and new ISA transfers and follow the instructions to complete the process.

Register Now

**Subject to a minimum transfer value of £5,000. Transfers from £1,000-£4,999 will incur a £50 admin fee.

IF-ISA Auto-Invest Options

Choose the product - Cautious, Balanced or Bold - with the risk/reward profile which suits you.
Invest tax-free by selecting the ISA option when you invest.

 

5%

Cautious

Target Rate (p.a.)

6%

Balanced

Target Rate (p.a.)

7%

Bold

Target Rate (p.a.)

Avg. Loan-to-value (LTV) in Bridging Loans or Gross Development Value (GDV) in Development Loans

60%

70%

75%

Maximum LTV or GDV

65%

75%

80%

Minimum Investment

£1,000

£1,000

£1,000

Minimum Term

12 months

12 months

12 months

Notice For Withdrawal

30 days
(subject to normal market conditions and minimum term)

30 days
(subject to normal market conditions and minimum term)

30 days
(subject to normal market conditions and minimum term)

Type of Loans

Bridging and Development

Bridging and Development

Bridging and Development

Diversification

Diversified across all suitable Peer-to-Peer Bridging and Development loans fitting the product criteria, as far as practical

Diversified across all suitable Peer-to-Peer Bridging and Development loans fitting the product criteria, as far as practical

Diversified across all suitable Peer-to-Peer Bridging and Development loans fitting the product criteria, as far as practical

Security

Registered Legal Charges

Registered Legal Charges

Registered Legal Charges

Tax Efficiency

SIPP and ISA eligible

SIPP and ISA eligible

SIPP and ISA eligible

Location

UK

UK

UK

  More Info More Info More Info

Non UK Investors

Please note you can only invest in a IF ISA if you are resident in the UK.

Key Benefits

3 Year IF-ISA

These are our legacy IF-ISA products, which will be retired in April 2020 ISA. You can now invest for a minimum 12 month term in our 3 Auto-Invest options (see above).

Your Questions Answered

1. Is there a charge to open an Innovative Finance ISA account?

No, it's free to open our innovative Finance ISA account.

2. Are there any fees if I choose to invest?

No.

3. What’s the minimum investment term?

12 months, calculated to commence from the end of the current tax year (5th April 2019) and end on the third anniversary of that date (5th April 2022). After this term your money can be transferred / withdrawn by giving 3 months’ notice. However, in some cases it may not be possible to return all of your money until a loan is redeemed or new investment is received. If a loan is in default you will not be able to recover the part of your investment allocated to tha loan until the borrower repays. Please read the product T&Cs, available when you click 'More Info' above, for more details.

4. How is my investment secured?

Your money is secured by a legal charge against the borrower’s land/property, which can be possessed and sold in the event of the borrower not repaying. However, property values can go down as well as up so this does not guarantee the return of your invested capital. Enforcing your security may take time and your returns may be delayed. Investments are not covered by the Financial Services Compensation Scheme (FSCS).

5. Can I transfer money from my existing ISA?

Yes, you can. The minimum transfer is £1,000. If you transfer between £1,000 and £4,999 there will be an admin charge of £50. Transfers of £5,000 and over are free of charge.

If you have other ISAs you would like to transfer, here’s what you need to do:

  • Open a House Crowd account and upload your ID for our compliance checks.
  • Once approved, apply for an ISA account (you'll need your national insurance number to hand)
  • Click ‘my portfolio’ and new ISA transfers and follow the instructions to complete the process.

6. Where can I find out more information?

Please read our FAQs, our IFISA blogs or contact our Member Support team for more information. You should also read our risk warning, important information and terms and conditions before investing.

What Our Members Think

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