Peer to Peer Lending ISA

Invest in our smart, tax-free IF-ISA and earn 7% p.a.* with your money spread across our secured property loan portfolio.

*As with all investments, your capital is at risk and rates of return are not guaranteed. Please read our important information page and risk warning before investing.

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Peer to Peer Lending ISA - The Smarter Way To Invest

Peer to peer lending has become hugely popular in recent years. It’s easier than ever to loan money to individuals and organisations and peer to peer ISAs alone come in a number of different types: loans to consumers, loans to businesses, loans to property buyers and developers – amongst other things. The House Crowd offers a property-based peer to peer Innovate Finance ISA.

The appeal is simple, and lies in its name: no middlemen, no banks – it’s a loan from one peer to another. So If the borrower defaults we can take control of the property and try to recover your investment.

A peer to peer ISA allows you to engage in this increasingly popular form of lending – within a tax-free environment. As with the majority of investment options, it carries a certain level of risk, and investors should always diversify their portfolios to protect against potential losses.


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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 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.


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

Earn A Reward Of Up To £100

We’re offering a £50 reward for first time investors in our Innovative Finance ISA until Friday 5th April 2019.* If you decide to invest £10,000 or more we will increase your reward to £100!

Sound good? Here are the main things you need to know.

Rewards will be paid out with interest on 30th April 2020. They can be rolled up and compounded if you choose to do so.

The offer is open only to members who have not yet invested in our Innovative Finance ISA before the promotion start date (23rd January 2019).

Please read our £100 reward terms and risk warning before you decide to invest.


Reward Bands:

Investments of £1,000-£9,999 = £50 reward

Investments of £10,000-£20,000 = £100 reward


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