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.
Earn up to 9.83% gross per annum*†
Use your £20,000 annual tax-free allowance with Kuflink IF-ISA*
Blended LTV & LTGDV 65%
Invest in 1, 2 or 3-year terms
Get started today with just £1000
Diversify your funds across multiple secured loans*
Entire Pool secured against UK Property* (1st & 2nd legal charges)
Over £15m in ISA Transfers into Kuflink from Major ISA Providers Earn up to 9.83%*† tax-free interest by opening a Kuflink IF-ISA today, with a minimum investment of just £1000. You’ll lend to a diverse range of loans, all secured against UK property.
Use your £20,000 annual tax-free allowance with Kuflink IF-ISA*
Blended LTV & LTGDV 65%*
Get started today with just £1000
We diversify your funds across multiple secured loans* 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 was 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 investment opportunities, such as IF-ISA products.
OPEN AN IF-ISA
Invest a New £20,000 each year for 30 years continually in a 3 Year Kuflink IF-ISA at 9.83%*† †Gross annual interest equivalent rate (compounded annually)*
After 30 years you have invested £600,000
Kuflink IF-ISA paying 9.83%*† gross per annum †Gross annual interest equivalent rate (compounded annually)*
All Interest stays compounding in the wrapper for 30 years
3-year terms re-new throughout 30 years
Secured on Property for 30 Years.*
£600,000 original capital invested by you remains intact.
In addition to the £600,000 you invested, you have just made £2,371,504.34 Tax-free Interest*
Return on investment of 395%*
Slow and Steady really does win the Race
Einstein – “Compound Interest is the 8th wonder of the world. He who understands it, earns it; he who doesn't, pays it.” 
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.
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):
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:
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.
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