We lend your money out to other borrowers looking for short-term and medium term loans. All borrowers must pass credit and affordability checks prior to approval – and you can earn 5% to 15% per annum based on the level of risk you are willing to take.
What is an Alternative Investment?
An alternative investment is considered an investment in any product that is not available at your local bank and can offer much greater returns.
Saving accounts, are a very low risk and popular form of investment offered by most UK banks, but often come with very low rates of just 1% or 2% per annum.
Alternative investments could involve putting money into a new but untested market, such as investing in forestry, renewable energy or cryptocurrencies.
At Fund Ourselves, we specialise in the alternative investment strategy of peer to peer lending
. This is where you lend your money out to other people who are looking for loans – and when they pay back, you earn interest. It’s just that simple.
You can choose your risk classification and decide to lend money to people with good credit scores (offering a return of 5% pa) or bad credit scores (offering a return of up to 15% pa).
Why Should I Use Fund Ourselves as an Alternative Investment?
Fund Ourselves is likely to provide a better return than the low risk and low yielding cash ISAs and is likely to be more stable than the volatile, high return stocks and shares ISAs.
We operate in the peer to peer lending industry which is tried, tested and safe. We have an Innovative Finance ISA
product that allows you to make use of your ISA allowance and earn up to £20,000 worth of savings, tax-free.
We are a team of techies and credit geeks and use a range of technology to match your investment with the right borrowers and provide a good level of diversification.
We have an operations and customer service team to follow up on any bad debts and also have a provision fund in place to which aims to give extra protection to our investors subject to the availability of funds.
Invest from £1,000
You can invest with Fund Ourselves from as little as £1,000 and top up or withdraw money as you need it. You may need to let your investment mature for a total of 12 months to see earn maximum returns.
Choose your risk
You can choose your classification of risk based on good credit and bad credit customers. Your investment is sorted by interest rate and matched with borrowers using the Auto-match™ system based on their risk profile.
Matched and diversified
Each investment will be matched with different customers and go to at least 10 borrowers to automatically diversify your portfolio.
Protected and safe
Your invested is protected by our own provision fund which aims to cover any principal investments subject to the availability of funds. Any bad debts are followed up by our in-house customer service team.
Check your results
Use our online portal to check your results and returns, 24 hours a day, 7 days a week.
Alternative Investments – Frequently Asked Questions
What am I Investing in?
You are investing in a peer to peer loan which involves other borrowers applying for short term and medium term loans of 2 to 12 months.
Can I Use My ISA Allowance?
Yes, you can use your ISA allowance and earn up to £20,000 in tax-free savings. You may only be allowed to have one ISA open per year – and this will be checked upon registration.
Can I Withdraw My Money at Any Time?
Yes, you may request to withdraw your money at any point, however, you may require your investment to be open for a full 12 months to earn the desired rate.
Is My Investment Protected by FSCS?
No, we are not protected by the Financial Services Compensation Scheme, but we have other measures in place to protect your investment. This includes having a provision fund which aims to refund any loss of principal investments subject to the availability of funds and a customer service team to follow up on any bad debts.