Earn up to 7.75% p.a. tax-free with the CARLTON Bonds IFISA.
The Innovative Finance ISA is not a Cash ISA. Your capital is at risk and returns are not guaranteed. The CARLTON Bonds product is aimed at experienced investors who are classified as either sophisticated or high-net-worth individuals. You will need to choose which bonds to hold in your IFISA - returns can be earned tax-free. Tax treatment depends on the individual circumstances of each investor. Investment is not covered by the Financial Services Compensation Scheme (FSCS). To view the full risk statement click here.
Choose your preferred bond series, investment term and rate.
Select the amount you would like to invest into your IFISA.
Invest online. Its quick, easy and all completed in a matter of minutes.
You can invest from £1,000 and choose a bond series with interest paid quarterly or for a higher potential return, choose a bond with interest paid at maturity.
up to 4 Years
Capital at risk
up to 2 Years
Your capital is at risk, investment is not covered by the Financial Services Compensation Scheme (FSCS)
Download our investor guide to find out everything you need to know before making your investment decision.
CARLTON Bonds provide experienced investors with access to fixed term investments by generating returns from making loans available to the UK property sector.
There are four main types of ISA in the UK; the Cash ISA, Stocks and Shares ISA, Innovative Finance ISA (IFISA) and Lifetime ISA.The IFISA is an investment account allowing investors to hold bonds, loan notes, peer-to-peer loans and debentures. As with all ISAs, the returns are tax-free.Every UK adult is permitted to invest up to £20,000 (as of 2020/21) tax-free in an ISA in each individual tax year. This is known as the annual ISA allowance. It's also possible to split this allowance between different types of ISA. Please note that the Lifetime ISA is subject to certain restrictions.Read more about 'what is an Innovative Finance ISA' here, or download The Innovative Finance ISA guide.
The process to open a CARLTON Bonds IFISA is straightforward. You can apply online in just a few simple steps. Just click the ‘open IFISA' button below. You can then choose your preferred IFISA bond - either two year or four year fixed term with interest paid quarterly or at maturity. All you will need are your bank account details and your national insurance number, and the whole process takes just a few minutes.
With an IFISA, you simply add funds to your IFISA account and then choose your preferred IFISA bond series.Your funds are then deployed by our experienced lending team into a range of property assets and development projects across the UK. Your investment is repaid at the end of the two year or four year fixed term, with interest paid quarterly or at maturity.
To be eligible to subscibe to an IFISA, an investor must:
Investors can subscribe to one Cash ISA, one Stocks and Shares ISA, one IFISA and one Lifetime ISA in a single tax year. You can only subscribe up to £20,000 (as of 2020/21) in any given tax year. For example, you could choose to invest your full £20,000 allowance in a Cash ISA. However, if you were happy to take more risk in search of potentially higher returns, you could choose to split your £20,000 annual ISA allowance across ISAs. To find out more about how many ISAs you can have and how to make the most of your ISA allowance, download our free ISA guide.
You do not have to declare income or gains from an ISA on your tax returns - unless the ISA subscription has been made void.The key tax benefits of an ISA are;
With CARLTON Bonds, you will be investing for a fixed term - typically up to two or four years. Each bond series has a fixed maturity date, and you can not withdraw your funds before this date.
All IFISA applications must be made by the investor. The exception is that CARLTON Bonds may accept an application from someone holding a Lasting Power of Attorney (LPA) which has been registered with the Public Guardians Office and which gives the attorney the power to make the decision to open an ISA.CARLTON Bonds will need to;
How you decide to allocate your annual ISA allowance is entirely up to you, and the overall ISA allowance of £20,000 in the 2020/21 tax year can be split between the following;
Yes, you can transfer from your Cash ISA and/or Stocks and Shares ISA into your CARLTON Bonds IFISA.You can find a step-by-step guide on transferring into a CARLTON Bonds IFISA here, or if you're ready to get started, click on the 'transfer ISA' button at the top of this page and follow the online process.
Under the current rules set out by HMRC, it is not possible to open more than one IFISA in any given tax year. This is the same as the rules set out for the Cash ISA, Stocks and Shares ISA and Lifetime ISA.
The CARLTON Bonds product is available solely to experienced investors who are certified as Sophisticated, High Net Worth or Professional investors.
Investment through CARLTON Bonds plc places your capital at risk and returns are not guaranteed. Past performance is not a reliable indicator of future performance. CARLTON Bonds does not make personal recommendations or give advice. Before investing, you should make sure that you fully understand the risks which are set out in the Information Memorandum and determine whether the investment is suitable for you on the basis of all the information contained therein. Bonds are not readily realisable and are not subject to the same protection from the Financial Services Compensation Scheme (FSCS) as deposits. Tax treatment depends on individual circumstances of each investor and may be subject to change in future. If you are in any doubt about the contents associated with the CARLTON Bonds platform and Information Memorandum or the action you should take, we strongly recommend consulting an independent financial advisor.
The content of this promotion has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000. Reliance on this promotion for the purpose of engaging in any investment activity may expose an individual to significant risk of losing all of the property or other assets invested.
CARLTON Bonds PLC is a company registered in England and Wales (no.11786534) with registered office at 15 Parsons Court, Welbury Way, Aycliffe Business Park, County Durham, DL5 6ZE.
CARLTON Bonds, 15 Parsons Court, Welbury Way, Aycliffe Business Park, County Durham, DL5 6ZE, United Kingdom
0330 124 1590
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