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Innovative Finance ISA

High-yielding, tax-free investments

An Innovative Finance ISA provides a tax-free way for you to invest

You may be required to pay tax on the interest you earn from many investments and savings accounts. However, investments within the ISA wrapper are for the most part free from tax (depending on your personal circumstances and the product you choose), enabling you to keep 100% of the interest you earn.

What is an Innovative Finance ISA (IFISA)? 

The IFISA was introduced by the UK government in April 2016 in recognition of the growing popularity of the alternative finance market, including peer-to-peer lending and crowdfunding. The IFISA increases the variety of investment opportunities available to investors. These investments often provide a better rate of return than cash ISAs, whilst protecting investors from income tax and capital gains liabilities on the interest. It is important to recognise that while IFISAs do pay higher rates of return than cash ISAs, they also have a higher risk profile and, unlike cash ISA accounts with a bank or building society, are not covered by the Financial Services Compensation Scheme.

What is your ISA allowance?

The tax year begins every year on 6thApril and at this point you receive a new annual ISA allowance. For the 2019/20 tax year the allowance is £20,000, meaning that you are able to invest up to £20,000 without incurring tax on the interest you earn. This amount can be divided in any proportions you like across cash ISAs, stocks and shares ISAs and IFISAs. At the end of each tax year, you are also able to move any existing ISA savings or investments into another ISA product without losing any of the next year’s allowance, enabling you to benefit from more rewarding rates of return.

Our Innovative Finance ISA opportunities

As specialists in high-yielding fixed income products, we offer Innovative Finance ISA investments paying far better rates of return than you will find at a high street bank, with the tax-free benefits of any standard ISA product. As with all our investment opportunities, there are no administrative costs or management fees and your capital is fully asset-backed, with investors holding first legal charge over the company’s assets.

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