We are pleased to offer the London House Exchange Innovative Finance ISA, enabling investors to earn tax free interest from the property-backed debt investments listed on our platform.
London House Exchange began offering debt investments to complement our core equity investments, providing investors with variety and diversification opportunities. To date, we have offered development loan bonds, secured against UK residential property developments, sourced by our specialist loan origination and management partner, Proseed Capital.
What is the Innovative Finance ISA?
Introduced in April 2016, The Innovative Finance ISA (IFISA) allows investors to earn tax-free returns from investments in Peer-to-Peer loans, asset backed securities (including property) and direct lending opportunities through online platforms. Previously, investors could access tax free savings through a cash ISA and tax free returns from the stock market through a stocks and shares ISA.
Investors can subscribe all or part of their £20,000 annual ISA allowance into the London House Exchange ISA or transfer funds from other ISAs they hold, in addition to the annual limit for new deposits.
London House Exchange is approved by HMRC to manage ISAs.
What investments can I make with the London House Exchange ISA?
You can use your London House Exchange ISA to invest in all property-backed loans on our platform. You can view all investments eligible for ISA investing by going to our marketplace and filtering by ISA.
Understanding the risks
Before investing in development loan bonds through London House Exchange, it’s important to understand the different categories of risk associated with this type of investment. As with all investments, particularly high risk investments, investors should diversify their exposure across a number of property development loans and limit exposure to any single loan accordingly. To learn more about the key risks when investing in development loan bonds click here.
To read our ISA terms and conditions, click here.