New investor offer: £100 bonus when you invest £1,000+. Terms apply.
Investing with us
The Everyday Account
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Earn returns of 5.8%* by investing in a balanced portfolio of loans to individuals and businesses.
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The Provision Fund provides a buffer against any poorly performing loans. Its 100% track record is market leading but doesn’t provide a guarantee.
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3 levels of access so you can choose the best fit for your needs and goals.
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Your money can be put to work and earning within minutes.
The RateSetter IF ISA
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All the benefits of the Everyday Account.
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Returns are tax-free.
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Transfer in ISAs from other providers to increase your returns.
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Flexibility to withdraw and replace funds in the same tax year without affecting your ISA allowance.
*5.8% annualised rate is the 30 day average on the 5 Year market on the 03/12/2018.
Better returns statement based on the current available highest paying Cash ISA rate on MoneySupermarket.com being 2.26% as of 03/12/2018 versus RateSetter's 5 year market 30 day average of 5.8%.
Investment options
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Rolling
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Loan terms: Your money will be invested in loans with a maximum term of 5 years.
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Earnings: Your money, plus interest, is repaid by borrowers every month. These repayments are automatically reinvested at the Market Rate so your earning compounds.
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Access: You can request to release your reinvestment anytime, free of charge. Normally, investments are instantly released from funds rolling in the market. However, this isn't like an instant access bank account so it's possible that you will have to wait for the monthly repayments.
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1 Year
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Loan terms: Your money will be invested in loans with a maximum term of 1 year.
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Earnings: Your money, plus interest, is repaid by borrowers at the end of the loan term (although borrowers may choose to repay early). Your money will be reinvested according to your settings.
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Access: You can request to release your reinvestment early, before borrowers have repaid. Normally, investments are instantly released from funds in the market. However, this isn't like an instant access bank account so it's possible that you will have to wait for the repayments. The fee for early access is 0.3%.
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5 Year
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Loan terms: Your money will be invested in loans with a maximum term of 5 years.
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Earnings: Your money, plus interest, is repaid by borrowers every month (although borrowers may choose to repay early). Your money will be reinvested according to your settings.
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Access: You can request to release your reinvestment early, before borrowers have repaid. Normally, investments are instantly released from funds in the market. However, this isn't like an instant access bank account so it's possible that you will have to wait for the repayments. The fee for early access is 1.5%.
