skip to main content
Compare ​Peer to Peer ISAs /

Compare Property ISAs

Pick the best property ISA to invest this year's tax free allowance.

Investment ISAs put your capital at risk & you may get back less than you originally invested

Classic Innovative Finance ISA (IFISA)

from easyMoney

ISA Option
Allows ISA Transfers
Interest Rate 3.08% annualised target return
  • Term: No Fixed Term
  • Invest From: £100
  • TAX-FREE Innovative Finance ISA
  • Minimum investment of £100
  • Secured by UK property
  • Maximum 75% loan to value
  • Buffer of 25% should the value of a property fall
  • Invest over £1,000 and you will automatically become an easyMoney plus card member, offering savings at over 1.000 of Britain’s biggest retailers
  • Also accepts ISA transfers from previous year's ISA's
  • Interest paid monthly
  • No fixed term, hold for as long as you wish
  • Can also be held outside of an ISA
  • 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)

Premium Innovative Finance ISA (IFISA)

from easyMoney

ISA Option
Allows ISA Transfers
Interest Rate 4.03% annualised target return
  • Term: No Fixed Term
  • Invest From: £10,000
  • TAX-FREE Innovative Finance ISA
  • Minimum investment of £10,000
  • Secured by UK property
  • Maximum 75% loan to value
  • Significant buffer of 25% should the value of a property fall
  • Invest over £1,000 and you will automatically become an easyMoney plus card member, offering savings at over 1.000 of Britain’s biggest retailers
  • Also accepts ISA transfers from previous year's ISA's
  • Interest paid monthly
  • No fixed term, hold for as long as you wish
  • Can also be held outside of an ISA
  • 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)

Premium Plus Innovative Finance ISA (IFISA)

from easyMoney

ISA Option
Allows ISA Transfers
Interest Rate 5.02% annualised target return
  • Term: No Fixed Term
  • Invest From: £20,000
  • TAX-FREE Innovative Finance ISA
  • Minimum investment of £20,000
  • Secured by UK property
  • Maximum 75% loan to value
  • Significant buffer of 25% should the value of a property fall
  • Invest over £1,000 and you will automatically become an easyMoney plus card member, offering savings at over 1.000 of Britain’s biggest retailers
  • Also accepts ISA transfers from previous year's ISA's
  • Interest paid monthly
  • No fixed term, hold for as long as you wish
  • Can also be held outside of an ISA
  • 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)

High Net Worth Innovative Finance ISA (IFISA)

from easyMoney

ISA Option
Allows ISA Transfers
Interest Rate 6.01% annualised target return
  • Term: No Fixed Term
  • Invest From: £100,000
  • TAX-FREE Innovative Finance ISA
  • Minimum investment of £100,000
  • Secured by UK property
  • Maximum 75% loan to value
  • Significant buffer of 25% should the value of a property fall
  • Invest over £1,000 and you will automatically become an easyMoney plus card member, offering savings at over 1.000 of Britain’s biggest retailers
  • Also accepts ISA transfers from previous year's ISA's
  • Interest paid monthly
  • No fixed term, hold for as long as you wish
  • Can also be held outside of an ISA
  • 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)

Property ISA’s

What is a Property ISA?

A property ISA is not a type of ISA as different types of ISA wrapper can be used to house property or property-backed investments. Property ISAs can be a means for those who wish to access the rewards that come with property investing without the need to invest directly into a single property.

A number of Innovative Finance ISA providers allow UK individuals to invest in property transactions. This means an investor can access potential returns from the UK property market in a tax-free way. See below for a list of the current crop of innovative finance ISAs which invest in property development or property loans.

Property within an Innovative Finance ISA

The Innovative Finance ISA allows investors to invest in property-backed peer-to-peer loans, including residential buy-to-let mortgages, bridging loans and property development loans. The peer-to-peer lending platform may offer to automatically deploy your investment funds across a variety of property-backed loans, or it may alternatively allow you to select individual property transactions that you would like to provide funding towards.

Property within a Stocks & Shares ISA

The ISA’s tax-free credentials are again valuable in the case of Stocks & Shares ISA investors, who are able to receive dividends and capital gains tax-free.

Property-focused investments which can be placed inside the Stocks & Shares ISA include investment trusts (including Real Estate Investment Trusts, or REITS), property bonds and a range of structured products.

Are Property ISAs worth investing in?

Despite the risks inherent to collective property investing and peer-to-peer lending, there are a number of reasons why an investor might wish to consider in a Property ISA – particularly given the experience that many direct property investors are currently having in the Buy-to-Let market.

The tax-efficient nature of ISA investing is, of course, a major draw for many and the ability to invest in property-backed products whilst enjoying tax-free returns will be very attractive to a great many investors. ISA investing is, in relative terms, considerably more accessible in so far as one is not required to raise sufficient funds to buy a property outright in order to get involved in property investing under the ISA route. There are a range of property ISA accounts available and investors can get started from as little as £250.

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk
Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.