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Save like
you mean it.
Earn interest tax free with our property backed investments. ISA rules apply.
What is a British Pearl IFISA?
With a British Pearl IFISA, you can invest savings of up to £20,000 p.a. and transfer your existing ISAs tax free in loans secured against UK property. Your capital is secured with a first charge.
Calculate the interest you can earn on your ISA savings with our investments
- Enter your investment amount
- Select your property investment
- See returns by month, year and term
- See how much your savings could grow
I want to invest:
Select investment:
50%
-12 months
3.75%
The above figures and forecasts relate to the initial offering as seen in the Info Pack, they are not applicable to investments in the Resale Market. Forecasts are a guide only and not guaranteed since performance may vary. It is assumed that all interest income is reinvested at the same interest rate. Figures are presented net of fees. For further information, please see the Financials section of the Info Pack for each investment.
Benefits of choosing a British Pearl IFISA
Earn tax-free interest up to 4.30% p.a.
Loans secured with a first charge over UK property
Register and invest in minutes
3 - 5 year investment terms available
Interest accrues daily, and usually paid monthly
Diversify loans across multiple UK properties
Option to exit early through our Resale Market
Transfer funds from existing ISAs for free
Fully flexible ISA
Manage your IFISA with our easy to use dashboard
Choose to invest in any number of our properties
| Property loan | LTV | Term | Ratep.a. |
|---|---|---|---|
| Lancaster | 70% | 5yrs years | 4.40% |
| Portsmouth No. 1 | 70% | 5yrs years | 4.40% |
| Lincoln | 65% | 5yrs years | 4.30% |
| Portsmouth No. 2 | 60% | 5yrs years | 4.20% |
The above data is in relation to the initial offering as seen in the Info Pack and subject to availability, it is not applicable to investments in the Resale Market.
How to set up your British Pearl IFISA
Confirm email
Confirm your email address to start the account opening process
Accreditation & verify ID
It is a legal requirement to confirm what type of investor you are and verify your identity to open your free account.
Open ISA
All that is needed is your National Insurance (NI) number to open your ISA. You can open it in a second, it is that simple.
Fund wallet
Securely fund your wallet via debit card or bank transfer. Easily transfer cash from your main account into your ISA. When choosing your investment, simply select your ISA.
Frequently asked questions
What is an ISA?
An Individual Savings Account (ISA) is a tax-efficient way for UK consumers to save or invest. Each year, UK residents can save up to their annual allowance (£20,000 for 2018/19 and 2019/20) in ISA accounts. Earnings on these accounts are exempt from Income Tax and Capital Gains Tax.
There are currently four types of ISA: cash (FSCS protected), stocks and shares, innovative finance and lifetime (FSCS protected).
Savers and investors can fund one of each of these per year, so long as the total capital doesn't exceed their annual allowance. British Pearl offer an Innovative Finance ISA (IFISA).
When you invest with British Pearl, your capital is at risk. No FSCS on invested sums. Tax treatment depends on individual circumstances and may change.
For more information please see the HMRC website here
Who can open a British Pearl IFISA?
To be eligible to open and invest in a British Pearl ISA you need to be a UK resident for tax purposes and aged 18 or over.
You can have multiple ISAs but you can only open one of each type in a tax year. The current tax year runs from 6 April 2019 to 5 April 2020.
For more information please see the HMRC website here.
Can I have a standard British Pearl account as well?
Absolutely. The two accounts work in the same way. The only difference is that you do not have to pay any income or capital gains tax on loans held in your British Pearl ISA account.
How much can I invest?
The total amount you can save in ISAs in the current tax year is £20,000. This is known as the ISA allowance. The current tax year runs from 6 April 2019 to 5 April 2020. You can take advantage of your allowance by opening a British Pearl ISA. If you have any existing ISAs, you can transfer funds from them over to us. Bear in mind that you cannot carry over any unused allowance from one tax year to another. The ISA allowance resets back to the annual limit set by the government.
How secure are the loans?
The loans are backed by the individual property that they are against. This means that the loan repayments are paid first when the property is sold before any cash is distributed to the share Investors.
Can I buy both shares and loans in my ISA?
You are currently only able to buy loans in the ISA.
Is this ISA flexible?
Yes, the British Pearl ISA is 'Flexible'. This means that if you take any cash out of your British Pearl ISA you can replace it during the same tax year without using up any of your annual allowance. So, if you had used up all of your allowance but needed to take out £5,000 for an emergency, you would be able to put £5,000 back in before the end of the tax year.
What are the charges?
There are no additional charges for opening a British Pearl ISA, transferring ISAs over or the day to day management of your ISA. All fees are exactly the same as the standard British Pearl account.
Get your British Pearl ISA today. Start building your own portfolio.
Read more about ISAs in our blog
British Pearl
2 September 2018
25 January 2019
