There are many potential benefits to investing in ISAs.
Allow you to save up to £20,000 each year, before earnings are liable for tax (as an individual)*
Estimated 8% APR return (projected) on average tax free before fees
Your existing ISA can be transferred quickly and easily
Build a diverse investment portfolio based on projects you want to support
*Tax status is individual: if you are unsure of your tax status, please consult with a tax professional.
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Add your National Insurance Number
Confirm your old ISA manager details
Investments made within an Innovative Finance ISA are not covered for compensation in the event of a loss by the Financial Services Compensation Scheme
An ISA (Individual Savings Account) is a “tax wrapper,“ a scheme allowing individuals to hold cash, shares, and unit trusts free of tax on dividends, interest, and capital gains.
The UK Government introduced the Innovative Finance ISA ("IFISA") on 6th April 2016. The IFISA allows peer to peer loans and crowd bonds to be held in the ISA wrapper. Individuals can invest some (or all) of their annual ISA allowance to lend funds, whilst receiving tax-free interest and capital gains.
No, it's free to open our Innovative Finance ISA account.
No. (Please be aware that your existing ISA provider may charge a fee to transfer out funds from an existing ISA account.)
5 years. After this term your money can be transferred / withdrawn by giving 3 months’ notice.
In order to transfer an existing ISA to the Intelligence Investments IFISA, you will first need to register as a member of Intelligence Investments. You may have some tax free savings in stocks and shares or even cash in earlier years. You can transfer all or some of these funds to an IFISA. You will need to provide your NI number with full details of the ISA(s) to transfer.
A crowd bond – sometimes called a mini-bond – is a debt based security listed on an FCA authorised crowdfunding platform. We work only with bond issuers whose teams are experienced specialists in their respective industries. We provide detailed and comprehensive investor information for all our managed issuances, enabling investors to make informed investment decisions.
Share In Ltd, who obtained ISA manager status from the Board of HM Revenue & Customs (HMRC) on 14th December 2016. Their HMRC reference number is Z1908 and they appear on the list of authorised ISA managers.
Investing in an Intelligence Investments IFISA means you are acquiring bonds issued by a Special Purpose Vehicle, which will use your investment to complete the specific project as detailed in the associated Information Memorandum. You will not have any ownership in the entity issuing the bonds, but will benefit from security over the loans made. It is important to understand that the bond issuer is solely responsible for its financial status and, consequently, its ability to pay interest and return your capital when the bonds reach maturity. There is no guarantee of return on your investment.
Whilst the Intelligence Investments 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. Investors should, however, be aware that investments of this nature are high risk and this means that some or all of their invested capital could be lost.