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Save like
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Earn up to 4.30% p.a. tax free with our property backed investments. ISA rules apply.

Capital at risk. No FSCS on invested sums. Forecasts are not guarantees and performance may vary. Before investing read more.

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:

22 months
Rate p.a.
First months' interest£15.62
Average annual interest£193.92
Total interest return£355.52
Investment + return£5,355.52

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 4.30% 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, paid monthly into your wallet

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

Capital at risk. No FSCS on invested sums. Forecasts are not guarantees and performance may vary. Tax treatment depends on individual circumstances and may change. Before investing read more.

Choose to invest in any number of our properties

Property loanLTVTermRatep.a.
Halifax50%3yrs years3.75%
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

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

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.

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.

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.

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.

You are currently only able to buy loans in the ISA.

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.

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

Your capital is at risk. The value of your investment can go down as well as up and you may get back less than you invest. Past performance is not a reliable guide to future performance. Your investments are not protected by the Financial Services Compensation scheme (FSCS). Forecasts are not guarantees and performance may vary. Our Resale Market opens only when investments are fully sold. Exiting early, when you want and at the price you want is not guaranteed. Risks include the total loss of your share investment or loan. Tax treatment depends on individual circumstances and may be subject to change in the future. If you are not sure about investing, seek independent, professional advice. Before investing, read our Key risks.

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