*Capital at risk and rates are not guaranteed. Please read our important information page and risk warning before investing.
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. And all deals conducted through our platform are secured with a charge against a property or land, ensuring that your investment is secured.
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.
A cash ISA offers stable and consistent – albeit relatively low – returns. For investors wanting to make their money work as hard as possible, it’s often an unappealing option.
Stocks and shares ISAs offer larger potential returns through a range of investments such as cash, government or corporate bonds, stocks, and shares – or they allow you to choose a fund that represents a mixture of different investment types. But, you’re at the mercy of markets, and your level of reward is liable to fluctuate.
The peer to peer ISA (also known as the Innovative Finance ISA) presents a viable alternative to stocks and shares and cash ISAs. At The House Crowd we’ve designed one to provide fixed returns, that’s based on a diverse portfolio of secured, short-term peer to peer lending.
Tax-free returns in our ISA wrapper.
Invest up to £20,000 in any one tax year.
Or compound your interest to maximise returns.
Interest calculation starts 14 days from receipt of funds.
Automatically diversify and spread your risk.
All investments secured by legal charges at the land registry (Capital at risk. Property values can go down as well as up).
The House Crowd is a radically innovative organisation. Through crowdsourcing, investors can be exposed to higher returns in markets that had, traditionally been exclusive to institutional funds
L.Huerta - Twickenham
At a time of weak returns from most other investments and widespread scepticism as regards financial services providers, The House Crowd offers impressive returns with good security. It's a hassle-free way to invest in property, which is easy to understand and run by trustworthy, friendly people - what's not to like ?
J.Hoyle - Oldham
A simple and transparent way to get Involved in buy to let without the hassle of being landlord or needing a large deposit to get started