Put your money to work in a Downing IFISA and earn interest rates of 3-7% p.a. tax free

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Banyers House, supported by the Hedderwick Pub Bond

Capital at risk and returns are not guaranteed. Our bonds are not readily realisable and are not covered by the Financial Services Compensation Scheme (FSCS).

What is an Innovative Finance ISA?

The Innovative Finance ISA (IFISA) allows you to invest in our bonds while keeping the tax advantages of traditional ISAs - an attractive prospect in the current low interest rate environment.

With the annual ISA allowance now at £20,000, many investors are looking for ways to diversify their portfolio, and with our bonds offering on average 5.53% p.a.* this really sets the IFISA apart for savers and investors happy to take more risk.

The Innovative Finance ISA is not the same as a cash ISA, your capital is at risk and is not covered by the Financial Service Compensation deposit scheme. Tax treatment depends on the individual circumstances of each investor and are subject to change.

*weighted average interest rate of all investments made in the first 43 Bonds.

Open a Downing IFISA in three simple steps

Open

Open an IFISA online in 60 seconds

Fund

Transfer money from your bank or another ISA

Invest

Select bonds that suit you and earn tax-free interest

Open IFISA Read IFISA FAQ

What am I investing in?

Downing Crowd is a community of investors lending money to UK businesses that own real assets such as care homes and solar farms.

Once you have opened and funded your IFISA, you can take your time to choose from three different types of bond. Bonds are issued throughout the year by a range of different businesses, allowing you to create your own tax-free investment portfolio, without being exposed to the stock market. For investors who like to keep control of their money and see how it is being used, these bonds may be appealing in the current low interest rate environment.

Bagnall Energy Bond

7-day access bond

Fixed 3% p.a. interest rate
13% Loan to value
Senior debt but unsecured
Access your money within 7 days

DDF Property Bond

Crowd bonds

Typically offer a fixed interest rate of 4-7% p.a.
Typically secured against assets
Loan to value ratio typically <75%
Typical term is 3 year or less

Pelham House Bond

Bonds with equity

Target IRR of typically c. 10-11%
Share in potential upside on exit
Higher LTV or LTC <75%
Typically 3-6 year terms

Browse bonds

Download this simple guide to IFISAs by Good with Money

Download guide

Five reasons to choose a Downing IFISA

Tax-free interest. The current average interest rate on Crowd Bonds is 5.53% p.a.*
Invest up to £20,000 this year or transfer as much cash as you like from previous ISA years.
It's free to open an IFISA and we won't charge you to transfer existing ISAs.**
Keep control: choose your own Bonds to invest in.
Remember, Downing's monitoring fees are contingent on you getting your capital paid in full.

*weighted average interest rate of all investments made in the first 43 Bonds.

**some other ISA providers may charge penalties or fees for transferring money out – please check before you transfer.

Need help? Call or chat to us

020 7416 7780 or click live chat below to talk to our customer service team in Cardiff. We’re on hand to help.

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Matthew O'Keefe Customer Services / Operations Manager