Investor FAQs

• Who can invest?

  Individuals aged 18 or over and based in the UK who are classified as either sophisticated investors, high-net-worth individuals or professional clients.

  Unfortunately, at this time, we are unable to accept investors based in the USA, or who are US taxpayers.

   

  To ask a question regarding CARLTON Bonds please use the contact us enquiry form and a member of the team will get back to you.

• Can I invest through an Innovative Finance ISA?

  CARLTON Bonds are IFISA eligible, and if you are an experienced investor (sophisticated or high-net-worth), you can invest some (or all) of your annual ISA investment allowance to receive tax free interest. The current annual allowance is £20,000. 

  It is also possible to transfer funds accumulated within standard ISAs. There is no upper limit on the transfer. This means that if you have saved, say, £100,000 in a Cash ISA with a bank over time, it will all be classified as 'old' ISA funds, and you will be able to transfer some or all of this money into one or more IFISAs.    

   

  To ask a question regarding CARLTON Bonds please use the contact us enquiry form and a member of the team will get back to you.

• Can I invest through a SIPP or SSAS?

  It is possible to invest through a SIPP or a SSAS that allow non-standard assets, subject to approval by the SIPP or SSAS provider/trustees. Please contact us for more details if you would like to invest in this way.

   

  To ask a question regarding CARLTON Bonds please use the contact us enquiry form and a member of the team will get back to you.

• Do I have to pay any fees to invest?

  CARLTON Bonds do not charge you any fees for investing in our bond products. In addition, there are no ongoing management fees.

   

  To ask a question regarding CARLTON Bonds please use the contact us enquiry form and a member of the team will get back to you.

• When will I receive my interest?

  Interest will either be paid upon maturity/redemption, or on a quarterly basis on the following days: 31st March, 30th June, 30th September and 31st December (or the next working day on which United Kingdom clearing banks are open for business).
  
  If you are still within your cooling off period when an interest payment is due, you will not receive this until the next quarter.

   

  To ask a question regarding Carlton Bonds please use the contact us enquiry form and a member of the team will get back to you.

• Can I top up by investment / add extra funds?

  You can invest more capital in the bonds if you choose to, either at the same term or a different one. This will not be by way of a top up of the existing investment, and it will be necessary to place an additional investment. Please note the minimum investment each time will be £1,000.
  
  To invest you must read the Information Memorandum and complete the full online application.
  
  Start application.

   

  To ask a question regarding Carlton Bonds please use the contact us enquiry form and a member of the team will get back to you.

• How is tax managed?

  Tax payments are related to individual circumstances and may change in the future.
  
  If your investment is held within the CARLTON Bonds IFISA, or invested via your SIPP or SSAS, then no income tax will be payable on your interest income.
  
  If your investment is not held in either of these tax wrappers, then your interest income will attract income tax. In this case we are required to withhold 20% of your interest and pass this on to HMRC on your behalf. However, if you are a higher or additional rate taxpayer, then you will have to account for further tax within your self-assessment tax form.
  
  Investments made via UK corporations will be paid without any tax deductions. This income will then likely attract corporate tax where applicable.

   

  To ask a question regarding CARLTON Bonds please use the contact us enquiry form and a member of the team will get back to you.

• Can I get access to my money early?

  It is not possible to access your capital before the end of the investment term, so you must be very certain that you will not require your money until the term expires. The only exception to this is in the event of the death of a bondholder where the Company may agree to a redemption or transfer.

   

  To ask a question regarding CARLTON Bonds please use the contact us enquiry form and a member of the team will get back to you.

• What happens if I change my mind?

  You have the right to cancel your investment account within 14 days after CARLTON Bonds receives funds, or in the case of a transfer when CARLTON Bonds receives your completed application. 

  You will receive an email from us to confirm that you have had your ISA application accepted. After this, you generally cannot get your investment back until the end of the term (please refer to 'can I get access to my money early?' for more information in such cases). 

  To cancel within the first 14 days, please contact us via the following methods:

  • Our online enquiry form
  • Email us at info@carltonbonds.co.uk
  • Call us on 0330 124 1590

   

   

  To ask a question regarding CARLTON Bonds please use the contact us enquiry form and a member of the team will get back to you.

• How do I apply?

  The CARLTON Bonds product is aimed at experienced investors who are classified as either sophisticated or high-net-worth individuals and have the knowledge and experience to make their own investment decisions. Investments are high risk and illiquid, your capital is at risk and returns are not guaranteed. To invest you must read the Information Memorandum and complete the full online application.
  
  Start application. 

   

  To ask a question regarding Carlton Bonds please use the contact us enquiry form and a member of the team will get back to you.