Successful Close Of A-Rated 8% Property-Backed Loan - And More To Come!


We are pleased to announce the closure of our latest A-rated loan offering. This property-backed offer had a term of five years and a fixed yield of 8 per cent. More loans will be on site soon. Below, we examine just how attractive the returns are in today's environment. Cash deposits that qualify for Individual Savings Accounts offer an average return of 1.03 per cent, according to research carried out by Money&Co. Our lenders, in the four years we have been facilitating peer-to-peer (P2P) loans, have achieved returns of over 8 per cent. Inflation in the UK is running near the 3 per cent mark. Money&Co. brings individuals looking for excellent returns on capital together with carefully vetted small companies seeking funds for growth. We believe it is time to wake up your money and make it work for you. Here's how to lend. See more, and watch a short, instructional video here.
  • Register your details, including bank account details, to transfer money for lending and for receiving interest and capital repayments.
  • Once you've been accepted (the law requires us to check you are who you say you are) go to the loan auctions page and look at the businesses seeking funds.
  • Decide which borrowers you like and place a bid. You can bid to lend as little as £10 per loan until the auction closes. Prudent lenders will lend small amounts to several companies to spread risk.

A Process Guide To Innovative Finance ISA Investment

All loans on our site can be held, tax-free, via an Innovative Finance ISA (IFISA). So here's our guide to the process of getting hold of that tax break:
  • Step 1: Register as a lender. Go to the login page, and go through the process that the law requires us to effect. This means we have to do basic checks on you to comply with money-laundering and other security requirements.
  • Step 2: Put money into your account. This is best done by electronic transfer. We can also process paper cheques drawn in favour of Denmark Square Limited, the parent company of Money&Co.
  • Step 3: Buy loans in the loan market. Once you've put cash in your account it will sit there - and it won't earn interest until you've bought a piece of a loan. It's this final step that requires lenders and IFISA investors to be pro-active. Just choose some loans - all loans on the Money&Co. site can be held in an IFISA - and your money will start earning tax-free interest.
The ISA allowance for 2018/19 is unchanged from last tax year at £20,000, allowing a married couple to put £40,000 into a tax-free environment. Over three years, an investment of this scale in two Money&Co. Innovative Finance ISAs would generate £8,400 of income completely free of tax. We're assuming a 7 per cent return, net of charges and free of tax here. Once you have made your initial commitment, you might then consider diversifying - buying a spread of loans. To do this, you can go into the "loans for sale" market. All loans bought in this market also qualify for IFISA tax benefits.

Risk: Security, Access, Yield

Do consider not just the return, but the security and the ease of access to your investment. We write regularly about these three key factors. Here's one of several earlier articles on security, access and yield.

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Disclaimer: Money&Co.™ is the trading name of Denmark Square Limited, Company Number 08561817, registered in England & Wales, authorised and regulated by the Financial Conduct Authority (FCA). The company is identified on the Financial Services Register under Reference Number 727325. The registered office is 58 Glentham Road, Barnes, London, SW13 9JJ where the register of Directors may be inspected. Denmark Square Limited (ISA manager reference number Z1932) manages the Money&Co. Innovative Finance ISA.