*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 7% p.a.* tax-free.
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 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.
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).
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?
3. What’s the minimum investment term?
3 years, 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.
Are you a property owner looking for a fast, flexible and short-term bridging loan?
The House Crowd has access to private capital and virtually unlimited crowdfunded monies,
which can help you fund your residential or commercial property transactions, development
or renovation projects, or business cash injection.
Property Development Finance
Are you are looking for property development finance for future projects?
The House Crowd are looking to partner with experienced property developers and builders with a
proven track record to help them finance their projects through our cutting-edge crowdfunding platform.
Become an Introducer
House Crowd Finance provides secured bridging, refurbishment and development loans.
We have access to a pool of immediately available funds and in additional, virtually unlimited,
capital can be raised from our rapidly growing investor database.
Have any questions for us? We’ve collated the most common enquiries we get, and they’re all answered here.
Read what some of our investors think of investing and earning with The House Crowd.
We’re proud to be rated excellent on Trustpilot. Read our reviews from investors.
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.
Would You Like to Work With Us?
Would you like to work for a dynamic friendly fast growing company based in modern offices in Hale, Altrincham?
We are open to part time and flexi-time working and are always looking for top quality people to join our team.