You can contact us via the following methods:
CARLTON Bonds are not authorised or registered with the Financial Conduct Authority and therefore do not come under the remit of the Financial Ombudsman. However, we are happy to help with all enquiries. Please contact us:
All data provided by you through the CARLTON Bonds platform will be processed by CARLTON Bonds PLC. Full details of the Privacy Policy are available here https://www.carltonbonds.co.uk/privacy-policy.
Individuals aged 18 or over and based in the UK who are classified as either sophisticated investors, high-net-worth individuals or professional clients.
Unfortunately, at this time, we are unable to accept investors based in the USA, or who are US taxpayers.
To ask a question regarding CARLTON Bonds please use the contact us enquiry form and a member of the team will get back to you.
CARLTON Bonds are IFISA eligible, and if you are an experienced investor (sophisticated or high-net-worth), you can invest some (or all) of your annual ISA investment allowance to receive tax free interest. The current annual allowance is £20,000.
It is also possible to transfer funds accumulated within standard ISAs. There is no upper limit on the transfer. This means that if you have saved, say, £100,000 in a Cash ISA with a bank over time, it will all be classified as 'old' ISA funds, and you will be able to transfer some or all of this money into one or more IFISAs.
It is possible to invest through a SIPP or a SSAS that allow non-standard assets, subject to approval by the SIPP or SSAS provider/trustees. Please contact us for more details if you would like to invest in this way.
CARLTON Bonds do not charge you any fees for investing in our bond products. In addition, there are no ongoing management fees.
Interest will either be paid upon maturity/redemption, or on a quarterly basis on the following days: 31st March, 30th June, 30th September and 31st December (or the next working day on which United Kingdom clearing banks are open for business). If you are still within your cooling off period when an interest payment is due, you will not receive this until the next quarter.
To ask a question regarding Carlton Bonds please use the contact us enquiry form and a member of the team will get back to you.
You can invest more capital in the bonds if you choose to, either at the same term or a different one. This will not be by way of a top up of the existing investment, and it will be necessary to place an additional investment. Please note the minimum investment each time will be £1,000. To invest you must read the Information Memorandum and complete the full online application. Start application.
Tax payments are related to individual circumstances and may change in the future. If your investment is held within the CARLTON Bonds IFISA, or invested via your SIPP or SSAS, then no income tax will be payable on your interest income. If your investment is not held in either of these tax wrappers, then your interest income will attract income tax. In this case we are required to withhold 20% of your interest and pass this on to HMRC on your behalf. However, if you are a higher or additional rate taxpayer, then you will have to account for further tax within your self-assessment tax form. Investments made via UK corporations will be paid without any tax deductions. This income will then likely attract corporate tax where applicable.
It is not possible to access your capital before the end of the investment term, so you must be very certain that you will not require your money until the term expires. The only exception to this is in the event of the death of a bondholder where the Company may agree to a redemption or transfer.
You have the right to cancel your investment account within 14 days after CARLTON Bonds receives funds, or in the case of a transfer when CARLTON Bonds receives your completed application.
You will receive an email from us to confirm that you have had your ISA application accepted. After this, you generally cannot get your investment back until the end of the term (please refer to 'can I get access to my money early?' for more information in such cases).
To cancel within the first 14 days, please contact us via the following methods:
The CARLTON Bonds product is aimed at experienced investors who are classified as either sophisticated or high-net-worth individuals and have the knowledge and experience to make their own investment decisions. Investments are high risk and illiquid, your capital is at risk and returns are not guaranteed. To invest you must read the Information Memorandum and complete the full online application. Start application.
CARLTON Bonds are required to verify the identity of its customers in order to prevent money laundering activities.
AML/KYC means Anti-Money Laundering and Know Your Customer.
We are required by law to ensure that our customers are who they say they are in order to prevent money laundering activities and identity theft.
If you have failed our online identity verification checks (AML/KYC), it means that our automated systems have been unable to establish who you are based on the information you have supplied. In this case, we will require additional information from you to perform more comprehensive checks before you can make any investments.
To complete your Anti-Money Laundering (AML) and Know Your Customer (KYC) checks, please provide a government issued document that incorporates:
Government issued documents with a photograph include:
Please send an electronic scanned copy from your registered account email address of any of the listed government issued documents to info@carltonbonds.co.uk.
This process should take no longer than 48 hours, but may take longer during busy periods. We will contact you once we have completed the additional verification checks.
Identity checks can expire for the following reasons:
1. It has been two years since the last identity check was performed. By default, all identity check records are valid for 24 months from the date when it was performed.
2. Your details have changed. If you previously had a valid identity check and subsequently update your contact address and/or personal details, this will automatically invalidate your current identity check. In both cases, a new identity check will be done automatically when you make a new investment.
Our platform automatically performs an AML/KYC check using the personal and address details you have registered with us the first time you make an investment.
It is important that this information is correct as it can result in a failed AML/KYC check. If for any reason your check fails, you will need to provide us with additional information in order to try and rectify the issue. Please refer to 'what if I fail the AML/KYC check' for more information in such cases.
A SIPP gives you the autonomy to make your own investment decisions with your retirement savings. This is in contrast to more traditional pension schemes, where you generally rely upon a third party to make the investment decisions on your behalf. Each SIPP has its own scheme rules which set out the range of investments that may be held.
Contributing to a pension can attract certain tax benefits, and interest and other income generated inside a pension wrapper are typically not subject to taxation, which means you are able to retain all of the interest you earn. Tax treatment will depend on your individual circumstances and may be subject to change in the future.
People with a SIPP are granted a lot more flexibility and can hold a wide range of investments within their pension. HMRC has set out guidelines for what can and can’t be included.
In addition, each SIPP operator has their own policies and rules on which investments their beneficiaries can hold. It may be possible to hold CARLTON Bonds in your SIPP. In the first insatnce, you will need to contact your SIPP provider to check elibility.
If you would like some assistance with your enquiry regarding investing using your SIPP, please use the contact us form and a member of the team will be happy to help.
SIPPs are for anyone who wants to take more control of the way they save for retirement. There are no restrictions on who can open a SIPP, but you’ll need to be more hands on with your investment portfolio, because the schemes are self-invested. In this way, SIPP account holders are given much more control over their financial future.
There are a number of SIPP operators in the UK. Each has its own product features, investment options and charging structures. When choosing which SIPP operator to use, investors will need to decide which one best meets their own particular requirements, and in some cases may appoint a financial adviser to help them decide.
If you would like to invest part of your self-invested pension plan onto the CARLTON Bonds platform, it will be necessary for you to open a SIPP with a provider that has an agreement with CARLTON Bonds.
If you already have a SIPP with another provider, it is possible to open a second SIPP, or to consider a SIPP transfer (please speak to your current provider as there are likely to be charges involved in doing so).
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