Don’t invest unless you’re prepared to lose all the money you invest. NextFin promotes high - risk investments and you are unlikely to be protected if something goes wrong.
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RISK WARNING: You could lose all of your money invested in these products. These are high-risk investments and much riskier than a savings account. ISA eligibility does not guarantee returns or protect you from losses.
Tax efficient investments with fixed returns. Manage your investments securely online through alternative investments. Click here to be connected to the leading alternative lenders.
We aggregate alternative investment platforms and provide factual analysis, real-time data and ratings which help investors to make informed decisions about their prospect investment. Whether that be a company, product or indeed the platform on which the investment opportunity is marketed.
Our ratings enable investors to see clear, timely and not misleading like-for-like comparisons all in one easy to access place. This gives the investor the benefit of a detailed insight which often extends beyond the level of their usual due diligence saving valuable time and cost.
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There are three basic types of ISA – Innovative Finance ISA, Cash ISAs and Stocks & Shares ISAs. An ISA, or Individual Savings Account, is a savings account that you never pay any tax on. It does come with one restriction, which is the amount of money you can save or invest in an ISA in a single tax year – also known as your annual ISA allowance. For the current tax year this allowance is £20,000.
Innovative Finance Individual Savings Accounts (IFISAs) are accounts for investing that let you earn tax-free interest, from your £20,000 per year investment allowance.
The IFISA has been developed for online lending. By investing in a IFISA, you can get all the same advantages of an ISA. However remember an IFSA is not covered by the FSCS and your capital is at risk.
Cash ISAs are more like an ordinary savings account: you pay cash in and it earns interest, tax free. These types of accounts are usually offered by banks and are covered by the FSCS scheme but be sure to check with the provider before investing.
The ISA for investments is called a Stocks and Shares ISA: rather than simply saving, you are investing in things like stocks and shares, bonds, gilts or commercial properties to help your savings grow over time and any interest or returns you get are tax free.
Stocks and Shares ISAs may have the potential for quicker or greater growth, but because they are based on the stock market there’s always a risk the amount of money in your ISA could go down as well as up.
It's important to remember IFSA and some ISA’s are not backed by the FSCS compensation scheme. Seek professional advice before investing. Past performance and forecasts are not reliable indicators of future results. Your capital is at risk when investing via the alternative finance market. Tax treatment will depend on the individual circumstances and may be subject to change.
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