Boost Your Returns. Earn Up To 5.0%*

PLUS: New investor offer: £100 bonus when you invest £1,000 or more for a year. Promotional Ts & Cs apply.


Smiley faceInvest in a portfolio of loans to businesses, property developers and individuals.

Smiley faceProvision Fund protection - a buffer against poorly performing loans.

Smiley faceTax-Free Earnings - Invest through the RateSetter IF ISA tax-free ‘wrapper’.

Capital at risk. Instant access not guaranteed. No FSCS protection.

*5.0% annualised rate is the 3 month average on the 5 year market on the 3rd April 2018.

If you have already started your registration, click here.

The RateSetter Innovative Finance ISA (IF ISA)

The RateSetter IF ISA offers all the advantages of our Everyday Account in a tax-free wrapper. You’ll still benefit from the same Provision Fund, interest rates, markets and borrowers plus you’ll be earning gross returns.


Flexible ISA: You can withdraw and replace funds in the same tax year.

A Balanced Portfolio: You can invest in the RateSetter Innovative Finance ISA alongside another ISA.

Protection: Provision Fund protects investors by providing a buffer from poorly performing loans.

Investment terms to suit you: Invest in our Rolling, 1 year and 5 year market.

Investment Options