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Save like
you mean it.

Earn up to 4.40% p.a. tax free with our property backed investments. ISA rules apply.

Open ISA

Capital at risk. No FSCS on invested sums. Tax treatment depends on individual circumstances and may change. Read before investing.

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 savings with our loans

  • Enter your investment amount
  • Select your property investment
  • See returns by month, year and term
  • See how much your savings could grow
Open ISA
I want to invest:
Select investment:
Hereford
LTV
50%
Term
34 months
Rate p.a.
3.75%
First months' interest£15.62
Average annual interest£197.65
Total interest return£560.00
Investment + return£5,560.00

Calculations are a guide only, based on investment for the full term and assuming that all interest earned is reinvested in a similar loan (subject to availability).

Benefits of choosing
a British Pearl IFISA

  • Earn tax-free interest up to 4.40% p.a.
  • Register and invest in minutes
  • Interest accrues daily, paid monthly into your wallet
  • Option to exit early through our Resale Market
  • Fully flexible ISA
  • Loans secured with a first charge over UK property
  • 3 - 5 year investment terms available
  • Diversify loans across multiple UK properties
  • Transfer funds from existing ISAs for free
  • Manage your IFISA with our easy to use dashboard

Capital at risk. No FSCS on invested sums. Tax treatment depends on individual circumstances and may change. Read before investing.

Choose to invest in any number of our properties

Property loanLTVTerm Ratep.a.
Andover60%3yrs years3.95%
Halifax50%3yrs years3.75%
Lancaster70%5yrs years4.40%
Hereford50%3yrs years3.75%
Portsmouth No. 260%5yrs years4.20%
Lincoln65%5yrs years4.30%
 

Investments subject to availability.

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 2018 to 5 April 2019.

    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 2018 to 5 April 2019. 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.

Meet the team

  • James NewberyInvestment ManagerJames brings broad experience across the portfolio management and wealth management markets having spent two decades in financial services.
  • Tom YeomansonProperty DirectorTom brings a wealth of knowledge regarding acquisition, valuation appraisals, sales management, off plan sales, developer account management and development consultancy.
  • Alex FinkHead of Investor RelationsAlex has over 10 years’ experience in market insight, trade and investment strategy. He is our first port of call for investors, aiming to build long lasting relationships.
  • Henry GalbraithInvestor RelationsHenry specialises in investor relations and has ample experience in fundraising for various venture capital firms and investment platforms.

Get your British Pearl ISA today.
Start building your own portfolio.

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Your capital is at risk Investing in property involves risk. The value of your investment can go down as well as up and historic performance is not a guide for future performance. Any projections of future performance are based on all information known at the time of share investment or loan, and internal calculations and opinions of British Pearl. These are subject to change and are not guarantees and should not be relied upon as such. Risks include the total loss of your share investment or loan, variable rental income due to property not being rented or a depressed rental market, and inability to sell your share investment or loan due to lack of a buyer. Investing with British Pearl falls outside the remit of the Financial Services Compensation Scheme. Please refer to the Key Risks section of this site for a more comprehensive description of the risks involved.

British Pearl ® is the trading name of British Pearl Limited (Company No. 7151774), a company authorised and regulated by the Financial Conduct Authority (Register No. 674693) and British Pearl Finance Limited (Company No. 10575280 and Register No. 770867), which is an appointed representative of British Pearl Limited. Both companies are wholly owned subsidiaries of British Pearl Group Limited (Company No. 9701436) and all are registered in England and Wales at 4th Floor, 7-10 Chandos Street, Cavendish Square, London, W1G 9DQ