Peer-to-Peer (P2P) Lending Investing

Earn up to 7.75% p.a. tax-free with the
MAVEN Bonds peer-to-peer ISA.

OPEN IFISATRANSFER ISA

Capital is at risk and returns are not guaranteed. These are peer-to-peer ISAs and are not readily realisable.

Benefits of investing in a MAVEN Bonds P2P ISA

  • Invest up to £20,000. Invest your full ISA allowance with us, or split your allowance across Cash ISAs and Stocks & Shares ISAs.
  • Earn tax-free interest. Earn between 4.75% p.a. and 7.75% p.a. tax-free and choose to have your interest paid quarterly or at maturity.
  • Transfer any existing ISA. It’s simple to transfer your existing ISAs with help from our dedicated customer service team.
  • No Charges. It’s free to open a MAVEN Bonds P2P ISA and we won’t charge you to transfer your existing ISAs.

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.

Get started in three simple steps

Choose icon

Choose

Choose your preferred bond series, investment term and rate.

Select icon

Select

Select the amount you would like to invest into your IFISA.

Invest icon

Invest

Invest online. Its quick, easy and all completed in a matter of minutes.

Calculate your tax-free returns

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.

How much would you like to invest?

Minimum investment amount is £1,000

Series Three bonds

up to 4 Years

7.75

Interest paid On Maturity

Term remaining: 43 Months

Expected gross return
£ 0.00
CHOOSE

Capital at risk

5.75

Interest paid Quarterly

Term remaining: 43 Months

Expected gross return
£ 0.00
CHOOSE

Capital at risk

Series Four bonds

up to 2 Years

6.75

Interest paid On Maturity

Term remaining: 19 Months

Expected gross return
£ 0.00
CHOOSE

Capital at risk

4.75

Interest paid Quarterly

Term remaining: 19 Months

Expected gross return
£ 0.00
CHOOSE

Capital at risk

Your capital is at risk, investment is not covered by the Financial Services Compensation Scheme (FSCS)

Would you like more information on peer-to-peer lending investing?


Download your investor guide to find out how a MAVEN Bonds P2P ISA could form part of your ISA portfolio.

image for 'MAVEN Bonds Brochure' guide

What is peer-to-peer (P2P) lending?

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.

How does peer-to-peer lending investing work?

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.

Are peer-to-peer loans safe?

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.

What is a peer-to-peer ISA?

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.

Who can subscribe to a peer-to-peer ISA?

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.

How much can I invest into a peer-to-peer ISA?

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.

How does the MAVEN Bonds peer-to-peer ISA work?

The MAVEN 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.

Who can subscribe to a MAVEN Bonds peer-to-peer ISA?

The MAVEN Bonds product is exclusively available to experienced investors who classify as;

  • sophisticated investors
  • high-net-worth individuals
  • professional investors

How much can I invest into a MAVEN Bonds peer-to-peer ISA?

The minimum investment amount with a MAVEN 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.

Can I transfer my existing ISA into a MAVEN Bonds peer-to-peer ISA?

Yes, you can transfer funds from a Cash ISA and/or Stocks and Shares ISA into a MAVEN 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.