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Northern Rock ISA

Selected ISAs

Fully Managed Stocks and Shares ISA

from Nutmeg

Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Fully Managed and Fixed Allocation Portfolios
  • Invest From: Min. £500 single (+ £100 pm for ISAs below £5,000)

Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose a portfolio that's fully managed by our expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500 (plus £100 per month for ISAs below £5,000). Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk.

Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.20% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 40%. By offering a high fixed income rather than a variable income based on the performance of the stock market, this plans offers something different to income seekers.

  • 4.20% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Peer to Peer Lending ISAs

CROWD2FUND

from CROWD2FUND

ISA Option
Allows ISA Transfers
Regular Savings
Interest Rate Earn an estimated 8.70% APR on your investments
  • Term: 1 - 5 Years
  • Invest From: £10

Why we like it: Crowd2Fund’s Finance ISA is designed to make it easier for savers to invest while managing a diversified portfolio. You can transfer existing ISAs (Crowd2Fund will help you do this) and earn an estimated 8.7% APR* return tax free.

  • Currently 0% platform default rate
  • Access to your capital
  • EIS, SEIS & IFISA tax relief
  • Balance your level of risk
  • *Capital at risk
  • Peer to peer lending is not covered by the FSCS
Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.00% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 10.25% annual growth.

  • 10% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Alternative collateralised option also available offering potential 8.6% pa
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.80%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • 1.80% gross/AER fixed for 3 years.
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.65%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.40%
  • Term: 1 Year

Open a 1 Year Fixed Rate Cash ISA with Aldermore Bank to get a great return. 

Selected ISAs

Investment ISA

from Nutmeg

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Managed or Fixed Allocation
  • Invest From: Min. £500 single (+ £100 pm for ISAs below £5,000)

Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose a portfolio that's fully managed by our expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500 (plus £100 per month for ISAs below £5,000). Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk.

Northern Rock ISA

Northern Rock ISAs are not currently available following its acquisition by Virgin Money. You may therefore be interested in a Virgin Money ISA however there is a range of providers of Individual Savings Accounts, whether you are looking for a; Cash ISA, Stocks & Shares ISA or both. You can use the comparison table above to view different kinds of ISA from a selection of providers.

ISA Guide

In order to be eligible for a UK ISA you need to be:

  • Aged 16 or over for a cash ISA.
  • Aged 18 or over for a stocks and shares ISA.
  • A resident of the United Kingdom.
  • If you don’t live in the UK then you need to be a Crown Servant or their spouse/civil partner.
  • You can open a Junior ISA for someone under 18 who you have parental responsibility for.

Each eligible person has an annual ISA allowance, which is the maximum amount of money you can put into an ISA to receive tax benefits on. There are two distinct types of ISA Cash ISAs and Stocks & Shares ISA. The rules allow you to open a maximum of up to one of each kind of ISA each year, if you do decide to open both a Cash ISA and a Stocks & Shares ISA then you will need to break up your allowance between the two accounts as it stays the same, this does not however have to be a 50/50 split, you can do so at whatever ratio you want as long as you do not exceed your maximum allowance.

  • Cash ISAs – are a kind of savings account where up to your maximum allowance any interest that accumulates on your savings is paid tax free. There are a range of different Cash ISA products available depending on how much access you would like to maintain to your saving over the ISA’s term.
  • Stocks & Shares ISAs – Are a tax-efficient investment account you can use to invest in various products such as corporate and government bonds as well as stocks and shares. Up to you maximum allowance you do not have to pay any Capital Gains Tax or Income tax on made on profits made through your investments increasing in value, dividends however will still be taxed. It is important to remember that if the products you invest in decrease in value you could get back less money than you originally put in. There are different types of Stocks & Shares ISAs will offer you a choice of managed funds to invest in, others will let you directly pick what stocks and shares you invest in.
  • Junior ISAs – Are a kind of ISA designed to save for a young person’s future; there are both Junior Cash ISAs and Junior Stocks & Shares ISAs. The money in these types of account is locked away until the 18th birthday of the young person at which point it rolls over to a normal ISA in their name.

ISA Transfers

It is possible to transfer an ISA to another, either with the same or a different provider. However you may incur an interest penalty for doing so. 

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

Peer To Peer ISA – 5 Ideas For Your 2018/19 ISA

15th August 2018

Savings accounts and cash ISAs are struggling to stay ahead of inflation this year. With your annual ISA investment limit raised to £20,000 last year, this may be the time you want to look at a new type of ISA which offers around double the yield of a Cash ISA (with an increased risk, naturally). 

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