Fund Ourselves Innovative Finance ISA
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Fund Ourselves

Invest in ISA and earn up to 15% p.a. tax-free

Invest in ISA and earn up to 15% p.a. tax-free

Earn up to 15% p.a. tax-free interest on your short to medium term peer-to-peer investment. Start investing now from £1,000 and up to your £20,000 annual tax-free ISA allowance. You can also transfer your previous years ISAs to Fund Ourselves.

Capital at risk. No FSCS cover.

Earn up to 15% p.a.


Provision Fund Cover

What is ISA and IFISA?

An Innovative Finance ISA (IF ISA) is a type of Individual Saving Account (ISA) which allows UK residents and tax payers to earn tax free interest on peer-to-peer investments. Each year, you can invest up to the tax-free allowance limit (£20,000 for 2019/20), and you can also build up your ISA balance over the years.

Our Innovative Finance ISA

Fund Ourselves is approved by HMRC as an ISA manager to offer Innovative Finance ISA.
Fund Ourselves Innovative Finance ISA is likely to provide better return than the low risk and low yielding cash ISAs and is likely to be more stable than the volatile, high return stocks and shares ISAs.
So, with us you get the returns you expect for a risk you're comfortable to take. What's more, you can transfer in from both previous and current year ISAs without incurring any charges and it won't use up any more of your yearly tax-free allowance.
Please note that the tax treatment depends on the individual circumstances of each client and may be subject to change in future. Please check the HMRC Website or seek professional advice.

Why a Fund Ourselves IF ISA is better

The Fund Ourselves Innovative Finance ISA offers great benefits of short-term to medium-term flexibility, Auto-Diversify™, Auto-Match™ and it will be tax free. You will also benefit from our Provision Fund, great interest rates and have access to a high-performing market.

Earn up to 15% p.a. Tax Free

Choose your return from up to 15% p.a. Fund Ourselves loans are short-term to medium-term and therefore you can expect your investment and earned interest to work harder as it will be lent out multiple times per year giving you extra compounded interest.

Provision Fund Cover

If a borrower fails to settle their repayment within 32 days of it becoming due, we aim to reimburse you the principal investment lost, from our provisional fund and add it back to the lending pool. The reimbursement is subject to the fund availability; therefore, it is not guaranteed.

Short to Medium Term Investment Flexibility

Fund Ourselves Loans are short-term loans. This means that you are not locked up in any long-term investments and can be as flexible as you are. Plus, you are also not exposed to the long term economic uncertainties. This is what we call, real flexibility.

A Real Quick Secondary Market

Fund Ourselves Secondary Market is fully automated and will sell all or most of your investment in a blink with immediate pay-outs. If there are no other lenders matching your criteria, well, it is still a short-term to medium-term investment. So, no long waits.

Fully automated lending via Auto-Match™

Using Fund Ourselves you just need to set your lending criteria and Fund Ourselves Auto-Match™ algorithms will do the hard work for you. Now you can relax and watch your hard earned money work for you.

Fully Diversified Investment via Auto-Diversify™

Fund Ourselves short-term loans are a maximum of £500, where medium-term loans can be over £500. To better protect your investment your investment can be diversified by a maximum of 20% amongst our loan portfolio. To give you control you can adjust your diversification from anywhere between 5% to 20%.
Capital at risk. No FSCS cover.

How the Fund Ourselves ISA works?

1. Quick and simple registration

2. Choose your return and diversification

3. Invest

4. Start earning easily with peace of mind

How We Reduce Risks?

Provision Fund Cover
If a borrower fails to settle their repayment within 32 days of it becoming due, we aim to reimburse you the principal investment lost, from our provisional fund and add it back to the lending pool. The reimbursement is subject to the fund availability; therefore, it is not guaranteed.
Truly Diversified Investment
With Fund Ourselves Auto-Diversify™ you may invest in a minimum of 10 loans. This can be adjusted to 20 loans. So, with a small investment you can invest into 40-80 loans per year. This is what we call real diversification.

Easy access to your money

You can request to access your funds at any time upon investing. In the majority of cases investments should be made available promptly due to the effective operation of the secondary market. There are no fees to access your money but we have deployed a fair usage policy which may limit reinvests in the event of excessive withdrawals. Please note that we cannot guarantee immediate access but we are confident that due to the short-term to medium-term nature of the loans and secondary market access to your funds will be a quick and easy process.

Eligibility Requirements

  • 18’s and over
  • Must have National Insurance Number
  • Only one innovative finance ISA per year
  • Minimum investment amount £1,000
  • Subscription limit of £20,000 per tax year
  • Individuals only
  • UK permanent resident and tax payer (excluding the Channel Islands and the Isle of Man)

Frequently Asked Questions

  • What happens if I’ve already opened an Innovative Finance ISA in the current tax year?
    You can simply and quickly add savings to your Fund Ourselves ISA as well as transfer in your other ISAs. There is also no limit on the number of different ISAs you can transfer to us. Transfers In from previous tax years don't affect your current annual £20,000 ISA allowance, and there is no limit on how much you can Transfer In from previous years.
  • Will the Fund Ourselves ISA be covered by the Financial Services Compensation Scheme (FSCS)?
    No. the Innovative Finance ISA is made up of Peer-to-Peer loans which are not covered by the Financial Services Compensation Scheme. However, you will have the benefit of our Provision Fund which aims to reimburse all our lenders for their principal losses subject to fund availability.
  • What type of ISA is the Fund Ourselves ISA?
    The Fund Ourselves ISA is an Innovative Finance ISA. It was be introduced by the UK Government in April 2016 specifically for peer to peer lending activities.
  • Are there any ISA fees?
    There are no fees applicable to set up a Fund Ourselves ISA. There are also no fees to transfer funds in or out.
  • How do I transfer in or out?
    You can transfer in by simply selecting the 'transfer in tab' in your 'My Accounts' page and by providing the following details – type of ISA, ISA Provider, ISA Reference Number, Amount to be transferred in. You can transfer out by simply requesting the funds to be withdrawn to your bank account. Please note that this may not be instant and will depend on if the funds have been lent out and if so if other lenders will purchase the investment from you. If we receive a transfer out request on your behalf from an ISA provider we will always verify the request directly with you.