Innovative Finance ISAs

The Innovative Finance ISA was launched in 2015 and the first platforms started offering ISAs in 2016.  P2P lending platforms need to have full authorisation from the FCA and registered with HMRC in order to offer an IF ISA.

Company	Typical Return AER	Minimum Investment	Minimum Term	Transfer In	Self Select	Comments
	10% to 16%			�	�	�100 transfer out fee
	6% to 12%	�5		�	�	Be prepared to hoild investments for 15 years or more
	5.1%	�1000	1 year	�
	5.6%		2 years
	6.2%		3 years
	6.75%	�100	4 years			�35 transfer out fee Improved rates available through IFA
	4.25%		2 years
	3.0%		1 month
	3.75% to 6.26%	�1		�
	6%	�1000	3 years	�		No fees
	4%	�100		�
	10% to 14%	�1000			�	�35 transfer out fee
	4%	�10
	6% to 12%	�100			�	Earn 2% AER on cash balances
	8%	�500		�	�
	5% to 7%			�	�	Earn 3% AER on cash balances but must be invested by end of tax year
	8.7%			�	�
	4% to 7%	�100		�	�
	4.05%	�1000		�		�50 transfer out fee
	3.5%		5 years
	8% to 10%					Contact Flender to add ISA wrapper
	5.3%	�20,000				Existing customers only �50 tranfer out fee Rate takes into account annual fee of 1%+VAT paid by direct debit
		�100		�
	4.8%	�20	5 years			Conservative risk
	7.2%					Balanced risk
	12%	�25		�	�
	up to 5%	�2000
	5%	�5000		�
						�150+VAT establishment fee �200+VAT annual administration fee
	7%	�1000
	7% to 15%	�10,000		�	�	�75 transfer out fee
	4% to 10%	�100		�	�	1.2% paid on cash balance
	4%	�100	1 year			�35 transfer out fee
	5%		3 years
	3.75%			�		�50 transfer out fee
	5% to 12%			�	�
	5%	�50		�	�
	up to 12%			�
	3.3%		3 years	�
	4.8%		5 years
	7%	�1000		�
	10% to 13%	�1000		�	�	�50 transfer out fee
		�100		�
	5.0%	�1000	2 years	�
	7.5%		5 years
	up to 6%	�2000	2 years
	8% to 12%	�1000	12 months	�	�
	5% to 12%			�	�	Existing customers only
	Live rates	�10		�	�
	12% to 18%	�100		�	�	0.1% monthly fee
	6% to 10%	�500		�	�
	9% to 14%	�5000		�	�
	3.5% to 6.5%	�1000		�		Existing customers only
Company	Typical Return AER	Minimum Investment	Minimum Term	Transfer In	Self Select	Comments

1 Able to sell investments on secondary market

Details correct as of April 2018.

Information taken direct from each of the companies listed above, unless otherwise stated.  Please also refer to the disclaimer.