The snowball effect with

Innovative
Finance ISA

The power of compounding - Tax Free

Why
Kuflink IF-ISA?

Now you can invest in loans secured against UK property* 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 property-backed loans and provide you with a rate of interest in relation to the term that you choose.

Earn up to 9.83% gross per annum*†
Use your £20,000 annual tax-free allowance with Kuflink IF-ISA*
Blended LTV & LTGDV 65%
Invest in 1, 2 or 3-year terms
Get started today with just £1000
Diversify your funds across multiple secured loans*
Entire Pool secured against UK Property* (1st & 2nd legal charges)
Over £15m in ISA Transfers into Kuflink from Major ISA Providers

Our Future
Investment Calculator

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Return On Investments in %

Year	Total Investment Amount	Total Investment & Interest Amount	Total Interest	Accumulated Total Interest Balance	Accumulated Total Investment & Interest Amount Balance

Kuflink
IF - ISA (Tax free)

Earn up to 9.83%*† tax-free interest by opening a Kuflink IF-ISA today, with a minimum investment of just £1000. You’ll lend to a diverse range of loans, all secured against UK property.

** T&C's Apply

Use your £20,000 annual tax-free allowance with Kuflink IF-ISA*
Blended LTV & LTGDV 65%*
Invest in a 3 year term
Get started today with just £1000
We diversify your funds across multiple secured loans*

** T&C's Apply

Use your £20,000 annual tax-free allowance with Kuflink IF-ISA*
Blended LTV & LTGDV 65%*
Invest in a 2 year term
Get started today with just £1000
We diversify your funds across multiple secured loans*

** T&C's Apply

Use your £20,000 annual tax-free allowance with Kuflink IF-ISA*
Blended LTV & LTGDV 65%*
Invest in a 1 year term
Get started today with just £1000
We diversify your funds across multiple secured loans*

ISA Transfer
£15m in ISA Transfer into Kuflink from Major ISA Providers

Innovative Finance ISA (IF-ISA) offered
via the Kuflink platform

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.

How to earn £1m Tax-free
with Kuflink IF-ISA

Our Accountants, Compliance and Tech teams were brainstorming in the boardroom and discovered a way to make over £1m net Tax free interest using the Kuflink IF-ISA model*. Being Tax-Free this boosts your returns, by compounding the tax free earnings grow exponentially over time. Kuflink's IF-ISA fits this model.

The Objective of the education is not to fill a mind with facts; it is to teach how to use mind in thinking - Henry Ford

Consider the following to earn £1M TAX FREE from Kuflink's 3 Year IF-ISA at 9.83%*†. (The concept works on smaller amounts as the percentage return is the same).

Initial and Ongoing Steps 🐢

Invest a New £20,000 each year for 30 years continually in a 3 Year Kuflink IF-ISA at 9.83%*† †Gross annual interest equivalent rate (compounded annually)*
After 30 years you have invested £600,000
Kuflink IF-ISA paying 9.83%*† gross per annum †Gross annual interest equivalent rate (compounded annually)*
All Interest stays compounding in the wrapper for 30 years
3-year terms re-new throughout 30 years
Secured on Property for 30 Years.*
Government policy doesn’t change*

Result - After 30 Years

£600,000 original capital invested by you remains intact.
In addition to the £600,000 you invested, you have just made £2,371,504.34 Tax-free Interest*
Return on investment of 395%*
Slow and Steady really does win the Race
Einstein – “Compound Interest is the 8th wonder of the world. He who understands it, earns it; he who doesn't, pays it.”

Download a Free IFISA Guide

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.

Download a Free IFISA Guide

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 ISA
Frequently Asked Questions

What is an Innovative Finance ISA?

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.

How many IF-ISAs can I have?

You can have multiple ISAs, but you are only allowed to open one new IF-ISA with a single provider per tax year. As of the 2022-23 tax year, you are allowed to invest up to £20,000 into an ISA, collectively accounting for Cash, Stocks & Shares, Lifetime and Innovative Finance ISAs

Can I carry my ISA allowance forward?

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.

What if I exceed my ISA allowance?

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.

What is an ISA?

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.

Who can open an ISA?

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.

How does an IF-ISA work?

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.