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.
£Kuflink Projection (% APR)
£Return On Investments
%Return On Investments in %
|Year||Total Investment Amount||Total Investment & Interest Amount||Total Interest||Accumulated Total Interest Balance||Accumulated Total Investment & Interest Amount Balance|
IF - ISA (Tax free)
£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 has been 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 investments opportunities, such as IF-ISA products.
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'Individual Saving Accounts' ('ISA's') where you can earn Interest TAX-FREE.
Innovative Finance ISA
Frequently Asked Questions
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.
With an IF-ISA, you are loaning your money directly to borrowers across a range of project types in different industries. Each IF-ISA providers’ offering will differ so ensure you read their product terms before investing.
Kuflink’s IF-ISA is available to new investors or those wishing to transfer in funds, with the option to invest up to £20,000 per annum tax-free. Choose from 1, 3 or 5-year terms, with the interest of up to 7% per annum*. Kuflink’s IF-ISA pays interest annually and does not charge platform or investment fees.
* Capital is at risk and Kuflink is not protected by the FSCS. Past returns should not be used as a guide to future performance. Securing investments against UK property does not guarantee that your investments will be repaid and returns may be delayed. Tax rules apply to IF ISAs and SIPPs and may be subject to change. Kuflink does not offer any financial or tax advice in relation to the investment opportunities that it promotes.
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
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.