* Don't invest unless you're prepared to lose money. This is high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 minutes to learn more
Security Reminder: Protect your account by enabling Two-Factor Authentication (2FA) via the "My Account > Security" section. Contact the team today to find out more!
The power of compounding – Tax Free
Invest tax-free in property-backed loans and grow your money with Kuflink’s award-winning IF-ISA.
Now you can invest in Secured loans† and enjoy the tax-free benefits that an ISA has to offer with the Kuflink Innovative Finance ISA!
We will spread your investment, and your risk, across a portfolio of Secured loans† and provide you with a rate of interest in relation to the term that you choose.
Consider Inflation
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Established in 2011, Kuflink has been one of the stead-fast bridging companies in the UK. Kuflink, in 2017 established an Online Peer to Peer platform to offer their bridging deals to their investors. Kuflink Ltd was approved by HM Revenue and Customs to act as an ISA manager in May 2017.
Kuflink’s innovative approach presents clients with the ability to explore many investment opportunities, such as IF-ISA products.
Subscribe to the Kuflink Peer to Peer Investment Blog and get your FREE Ebook today.
'Individual Saving Accounts' ('ISA's') where you can earn Interest TAX-FREE.
Innovative Finance ISAs (IF-ISAs) are investments that allow consumers to lend and earn tax-free interest through a Peer to Peer lending platform. Innovative Finance ISAs pair up willing lenders (or investors) with individual and business borrowers through an easy-to-use online platform.
If you are eligible, you can open multiple ISAs across your chosen providers and there are no longer any restrictions on how many types of ISAs you can open per tax year, unless you are investing into a Lifetime ISA. You will need to ensure that the total amount invested across all ISA providers does not exceed your annual ISA allowance. Please seek further guidance via the gov.uk website on how ISAs work.
No. The annual allowance of £20,000 runs from 6 April one year to midnight on 5 April the following year, meaning that if you don’t use your annual allowance within that period, it will be lost.
If you have accidentally exceeded your ISA allowance or opened an account you are not entitled to; you should not attempt to put your mistake right yourself but report it to HMRC by calling 0300 200 3300. They will assess your situation and tell you exactly what to do next.
ISA is an individual saving account with TAX FREE benefits on your earnings.
There are four types of Individual Savings Accounts (ISA):
1. Cash ISA;
2. Stocks & Shares ISA;
3. Innovative Finance ISA (IF – ISA); and
4. Lifetime ISA
You can put money into one of each kind of ISA each Tax year.
You must be:
16 or over for a cash ISA
18 or over for a stocks and shares or Innovative Finance ISA
18 or over but under 40 for a Lifetime ISA
You must also be either:
1. a resident in the UK; or
2. a Crown servant (for example diplomatic or overseas civil service) or their spouse or civil partner if you do not live in the UK
You cannot hold an ISA with or on behalf of someone else.
An innovative finance ISA lets you use your tax-free ISA allowance while investing in peer to peer (P2P) lending.
P2P lending is a form of investing where you directly lend money to borrowers and businesses. The borrowers then pay back the borrowed amount, with interest on top.
The Interest they pay is the return you get on your investment. You earn this interest tax-free.
Investors (IF – ISA holders) are linked with borrowers. A borrower could be a business, an individual or property developer.
So, with an innovative finance ISA, your IF – ISA account contains P2P loans. With a cash ISA, it has cash, and with stocks and shares, it includes stocks and shares.
Associations
Award Winning
under development
under development
Kuflink Ltd
Kuflink Ltd (Incorporated in England & Wales: Co. No. 08460508) is authorised and regulated by the Financial Conduct Authority (FRN: 724890) as an Online P2P Platform. Registered office: 21 West Street, Gravesend, DA11 0BF. Kuflink Ltd has been approved by the Board of HM Revenue and Customs to act as an ISA manager in May 2017 to offer Innovative Finance ISAs – ISA manager No – Z1943.
Lender/Investor Risk Warning
* Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more
† Gross annual interest equivalent rate – FAQ Link
† Secured on fixed charge (e.g. property) and/or floating charge
Kuflink Bridging Ltd
Kuflink Bridging Ltd is Incorporated in England and Wales as Co. No. 07889226. Registered office: 21 West Street, Gravesend, DA11 0BF.
Borrower 1 Risk Warning
ø Loans, interest rates and completion times are subject to underwriting criteria. We only sell bridging finance products from Kuflink Bridging Ltd. We do not offer products from across the mortgage market.
FAILURE TO MEET THE REPAYMENT CRITERIA OF A LOAN COULD RESULT IN THE SECURITY BEING REPOSSESSED.
Kuflink Home Loans Limited
Kuflink Home Loans Limited (Incorporated in England & Wales: Co. No. 07817421) is authorised and regulated by the Financial Conduct Authority (FRN: 571773) as a Lender for Regulated Mortgage Contracts. Registered office: 21 West Street Gravesend, Kent DA110BF.
Borrower 2 Risk Warning
øø Loans, interest rates and completion times are subject to underwriting criteria. We only offer mortgages from Kuflink Home Loans Ltd.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN(S) SECURED ON IT.
Kuflink One Ltd
Kuflink One Ltd (Incorporated in England & Wales: Co. No. 12206864) is authorised and regulated by the Financial Conduct Authority (FRN: 922026) as a Registered Account Information Service provider (AISP) – Open Banking. Registered office: 21 West Street Gravesend, Kent DA110BF.
Copyright © 2025 Kuflink Group Limited. All Rights Reserved.
Kuflink ® is a registered European Community trademark (No. 79295020 & 79295083) and a registered United States trademark (No. 1553541 & 1553358) of Kuflink Group Limited.
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