Get tax-free earnings

The British Pearl ISA is an Innovative Finance ISA allowing you to invest in our loans tax-free

Earn tax-free interest - up to 4.4% returns

Invest this tax year's £20,000 allowance

Transfer funds from existing ISAs for free

Easy to set up and manage

What is an ISA?

The original ISAs were introduced by the UK government in 1999 to encourage individuals to invest by offering tax free income and capital gains on any investments held within the ISA. There are now various types of ISA and each has restrictions on the types of investment that can be held within it.

The current four types of ISA are Cash, Stocks and Shares, Innovative Finance and Lifetime.

You can put money into one of each kind of ISA each tax year.

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?

Each tax year every adult is given an ISA allowance by the government. Until 5 April 2019 it is £20,000. You can take advantage of this by opening a British Pearl ISA. If you have any existing ISAs from previous years, you can transfer them over to British Pearl. We will manage the transfer process for you free of charge.

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.

Open a British Pearl ISA now to help maximise your returns by earning tax-free interest income on our UK property loans.

Join for free

How to investin under 4 minutes

Confirm Email

Confirm your email address to start the account opening process


It is a legal requirement to confirm what type of investor you are and ensure our investments are suitable

Verify ID

We have to verify your identity to open your free account and prevent fraud

National Insurance number

We need your NI number to open your ISA

Fund Wallet

Securely fund your wallet via debit card or bank transfer

Transfer cash into an ISA Wallet

Easily and swiftly transfer cash from your main Wallet into your ISA Wallet



We provide access to the advantages enjoyed by property professionals. Loan Investors can act like a bank and provide a mortgage.

Build your portfolio

Choose the level of risk you are comfortable with and lend against rental or development properties across the UK.

Resale market

Do you want to exit an investment early? Have you missed out? Our Resale Market allows you to trade your loans during the life of the investment.


Ring fenced investments

Each property is owned separately and ring-fenced from any liabilities of other properties and from British Pearl.

Segregated Client Money

Pending investment, your money is held in a segregated client account protected by the Financial Services Compensation Scheme (up to £85,000 limit per organisation).


British Pearl is authorised and regulated by the Financial Conduct Authority.

Liquidity Protection

Your property investments are protected from cash flow problems by our contingency funds.