Earn up to 7.75% p.a. tax-free with the Carlton Bonds peer-to-peer ISA.
The peer-to-peer ISA is not a Cash ISA. Your capital is at risk and returns are not guaranteed. You will need to choose which bonds to hold in your P2P ISA, and returns can be earned tax free. Tax treatment depends on the individual circumstances of each investor. Investment is not covered by the Financial Services Compensation Scheme (FSCS). To view the full risk statement click here.
Choose your preferred bond series, investment term and rate.
Select the amount you would like to invest into your IFISA.
Invest online. Its quick, easy and all completed in a matter of minutes.
You can invest from £1000 and choose a bond series with interest paid quarterly or for a higher return, choose a bond with interest paid at maturity.
Capital is at risk and returns are not guaranteed. These are fixed term bonds and are not readily realisable.
Interest paid On Maturity
Term remaining: 47 Months
Interest paid Quarterly
Term remaining: 23 Months
Your capital is at risk, investment is not covered by the Financial Services Compensation Scheme (FSCS)
Download your investor guide to find out how a Carlton Bonds P2P ISA could form part of your ISA portfolio.
Peer-to-peer (P2P) lending allows individuals (borrowers) to loan funds directly from other individuals (lenders/investors) without having to go through a middleman, such as a bank. Because there are no middlemen, P2P lending is often able to offer better rates to both borrowers and lenders. Target rates from P2P loans are usually upwards of 6%. P2P loans can be held in a peer-to-peer ISA - also known as an Innovative Finance ISA (IFISA) - making all returns for investors completely tax-free.
With P2P lending, investors are able to loan funds to businesses, individuals, green energy projects and property development projects through online P2P lending platforms.Once an investor has loaned their funds, they will begin to earn interest as well as recieving regular repayments for the original loan amount. You can find out more about how peer-to-peer lending works here.
P2P loans are investments, meaning your capital is at risk and returns are not guaranteed. The biggest risk that investors face with P2P lending is the borrower defaulting on their loans.P2P platforms should have processes in place to help reduce this risk, so it's advisable that you perform thorough research on the platform before investing. Take into consideration its borrower vetting processes, as well as its track record and team expertise. The overall risk of P2P loans also comes down to the underlying asset - business, consumer, property or green energy. Some investments will be secured against the asset - adding additional peace of mind for the investor. However, this doesn't free the investment of risk entirely, and in the event of an economic downturn you may not get back the amount invested. Read more about whether peer-to-peer lending is safe here.
A P2P ISA is also know as an Innovative Finance ISA (IFISA). The IFISA was launched by the UK government in April 2016, and it allows investors to hold P2P loans and debt-based securities under the tax-efficient ISA wrapper, meaning returns are tax-free. You can find out more about the IFISA by downloading our free Innovative Finance ISA guide.
To be eligible to open a P2P ISA, investors must be UK residents aged 18 or over who have not subscribed to another P2P ISA in the same tax year and have not exceeded their annual ISA allowance.
The maximum amount that you can invest into a P2P ISA in the 2020/21 tax year is £20,000.Find out more about the P2P ISA (also known as the IFISA) annual allowance here.
The Carlton Bonds P2P ISA is simple. Once you have completed the online process - which includes choosing your preferred bond series - and invested your funds, our highly experienced team deploy your funds into a range of property assets and development projects across the UK. Your investment will then be repaid at the end of you chosen term (two or four years), with interest paid either quarterly or at maturity.
The Carlton Bonds product is exclusively available to experienced investors who classify as;
The minimum investment amount with a Carlton Bonds P2P ISA is £1,000, while the maximum amount is £20,000 for the 2020/21 tax year - in line with the annual P2P ISA (IFISA) subscription limit.
Yes, you can transfer funds from a Cash ISA and/or Stocks and Shares ISA into a Carlton Bonds P2P ISA. If investors choose to transfer cash from a Stocks and Shares ISA, they may be required to sell current investments.Just click the 'transfer ISA' button at the top of this page and follow the online process to get started.
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