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.
Invest in a portfolio of loans to businesses, property developers and individuals.
Provision Fund protection - a buffer against poorly performing loans.
Tax-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
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Rolling
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Capital and Interest Repaid on Withdrawal. Investments and Reinvestments matched with new and existing loans ranging from 3 months to 5 years, which repay over the life of the loan.
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Earnings: Your capital and interest are repaid every month and are automatically reinvested in other loans, in order to maximise the interest you earn. Please note: from 6th June we are simplifying the way our Rolling Market product works. To find out more click here.
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Access: You can access money invested in the Rolling Market without a fee, by transferring your matched loan contracts to an available investor and releasing your investment. Rolling Market Fair Usage policy applies.
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1 Year
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Capital and Interest Repaid at Term: Investments and Reinvestments can be matched with new and existing loans of 1 year loans which are scheduled to repay at the end of the loan term.
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Earnings: Your capital and interest will be repaid at the end of the loan term. If your loans are fully repaid early your money will be reinvested according to your reinvestment settings.
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Access: You have the option to transfer your matched loan contracts to an available investor and release your investment. A Transfer fee of 0.3% is payable, as you’re exiting your matched loan contracts before their term.
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5 Year
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Capital and Interest Repaid Monthly: Investments and Reinvestments matched with new and existing loans up to 5 years, which repay over the life of the loan.
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Earnings: Your capital and interest will be paid as the loans are repaid, usually monthly. If the borrower fully repays early your money will be reinvested according to your reinvestment settings.
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Access: You have the option to transfer your matched loan contracts to an available investor and release your investment. A Transfer fee of 1.5% is payable, as you’re exiting your matched loan contracts before their term.