Innovative Finance ISA

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Property values can fall. Your capital is at risk & returns may vary. Read our Risk Warning and our Important Information page.

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.

Invest Now

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Why Choose Our Innovative Finance ISA

*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 After this term your money can be transferred / withdrawn by giving 3 months’ notice.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.