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Peer to Peer Lending ISAs

Classic Innovative Finance ISA (IFISA)

from easyMoney

ISA Option
Allows ISA Transfers
Interest Rate 7.28% annualised target return
  • Term: No Fixed Term
  • Invest From: £10000

Why we like it: Invest up to £20,000 this tax year and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. When you join the easyMoney family you will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680). As with all investing, your capital is at risk when you lend to businesses and returns are not guaranteed. No FSCS. For more details please refer to our full risk statement.

  • 7.28% TAX-FREE through the Balanced Innovative Finance ISA
  • Minimum investment of £10,000
  • Secured by UK property
  • Maximum 75% loan to value
  • Buffer of 25% should the value of a property fall
  • You will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more!
  • Also accepts ISA transfers from previous year's ISA's
  • As with all investing your capital is at risk when you lend to businesses. easyMoney reduces this risk by taking security over property
  • Returns are not guaranteed and your actual returns may vary
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Calculate your interest with this plan

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

The Callable Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 7.00% pa or 2 x FTSE growth
  • Deposit Taker: Goldman Sachs International Bank
  • Term: Up to 7 years

Why we like it: The previous issue of this plan had already proved popular - this latest release offers the potential for 7% p.a. interest, along with the same capital protection you would get with a traditional cash deposit.”

  • Plan can be ended early by Deposit Taker
  • 1.75% per quarter (7% pa) if plan ends early
  • 2 x FTSE 100 Index growth if plan runs full term
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • If plan runs full term returns not guaranteed. You may only receive a return of your original capital
  • Minimum investment £10,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Calculate your interest with this plan

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

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Goldman Sachs) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Investment Fund Supermarket ISAs

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.60% 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 9.60% annual growth.

  • 9.60% 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
  • 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.

TSB ISA

Whether you’re looking for a Cash ISA, a Stocks & Shares ISA or both you want to make sure you’re getting the most from your maximum allowance each tax year. You might be wondering what TSB ISA plans are available. TSB offer Cash ISAs and Junior Cash ISAs however before you take out an ISA it can be a good idea to check around several different providers to see if you can find what is the top, best buy plan that fits your requirements. You can use the comparison table on this page to compare a selection of ISAs from different providers one of which might be the best choice for you:

TSB Cash ISAs:

  • Cash ISA Saver – The TSB Cash ISA Saver allows you instant access to your money should need it and you can make deposits whenever you like, with a variable interest rate paid once a year. You can access the account; in branch, over the phone or online.
  • Two and Three year Fixed Rate Cash ISAs – If you can afford to lock your savings away for a two or three year term TSB can offer you a fixed rate of interest, so you know how much you will get out of it. Withdrawals can be made however there is a penalty of a set amount of day’s interest on the amount withdrawn. The means you might get back less than you originally deposited.

ISA Guide

ISA’s can be categorised into two distinct types; Cash ISAs and Stocks & Shares ISAs. You are only allowed to have one of each type of ISA each type year, if you choose to open both kinds of ISA then you will also have to break up your maximum allowance between the two accounts at a ratio of your choice.

  • Cash ISAs - Work much like any other savings account offered by a bank or building society, the chief difference however is that any interest that accumulates on your Cash ISA is paid tax-free. They usually last for a shorter period than Stocks and Shares ISAs. There are different kinds of Cash ISAs available but generally speaking they will either offer you instant or limited access to your savings or they will offer a fixed rate of interest if you tie up your cash in a plan over a few years in a Fixed Rate Cash ISA.
  • Stocks & Shares ISAs – Are capital at risk products, this means you could get back less than you originally put in. This is because they are not investments themselves they are a tax-efficient investment account you can use to put money into other financial products such as: gilts, funds, stocks and shares. Self-Select plans allow you to directly choose what stocks and shares your money goes into while others work as a ‘collective investment scheme’ where your money is pooled with other investors into a fund. Stocks & Shares ISAs can offer higher potential interest rates, they are also intended to be invested over a longer period than Cash ISAs.

Transferring an ISA

All providers of ISAs have to let you transfer to other accounts, however you may incur an interest penalty for doing so, meaning even if your new ISA offers better rates you could be better off staying put if the penalty is large enough. 

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

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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