Investments not covered by FSCS. Capital is at risk. Actual return may be higher or lower

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Fund Ourselves

Earn from 5% to 15% with High Interest ISAs from Fund Ourselves

Earn from 5% to 15% with High Interest ISAs from Fund Ourselves

Looking for ISAs with high returns? Fund Ourselves offers 5% to 15% per annum based on lending your money out to other borrowers, both short-term and medium-term. Create an account and start earning today by investing as little as £1,000. Actual return may be higher or lower and capital is at risk. Investments are not covered by the FSCS.

What is a High Interest ISA?

A high interest ISA is one that offers an annual return higher than the typical 3% offered by high street banks. The ISAs can provide a safe and secure way to invest your money but many are put off by the low rates and therefore seek alternatives with more attractive returns.
Fund Ourselves, offering an innovative finance ISA, where you can invest and earn up to £20,000 tax-free per year using your ISA allowance. We use Auto-Diversity™ to spread each individual investment across a number of borrowers looking for short term loans and are able to deliver 5% to 15% per annum based on your desired level of risk.
Highest rate of return offer highest risk. Please see our investment estimate by risk level and outcome statement from here.

How are High Interest ISAs from Fund Ourselves Different?

Earn 5% - 15% Per Annum

By lending out to borrowers with poorer credit, you are able to maximise your earnings and receive from 5% to 15% per annum. We diversify your investment across a number of borrowers so that you are not putting all your eggs into one basket, and instead benefit from a diverse portfolio of borrowers.

Tax-free

Depending on your circumstances and how many other ISAs you have open, you may earn up to £20,000 per year, completely free of tax. We help you make use of your ISA allowance and maximise your returns.

Short and medium term loans

Investors will lend to borrowers looking for both short term loans with a maximum lifetime of 12 months and medium-term loans with a maximum lifetime of 60 months. All loans are unsecured and each customer will be assessed through the credit and affordability checks prior to funding.

Provision Fund cover

We are not covered by the FCSC but have a provision fund in place which aims to reimburse lenders for their principal losses subject to the availability of funds. In addition, we have a customer support team to follow up on any missed repayments and always aim to deliver the expected returns. See the details from Provision Fund Policy

Easy-to-use reporting

Our reporting system allows you to log in any time to invest more money, check the status of your investments and loans and withdraw money when you need to.

High Interest ISAs – Frequently Asked Questions

How Do You Choose Who I Lend to?

All borrowers are kept anonymous and your investment will be pooled across a number of borrowers based on your risk classification.
We use Auto-Match™ to match each individual investment with different borrowers and Auto-Diversify™ to diversify your portfolio.

How Do You Get the Highest Returns on ISAs?

To earn interest rates of from 5% to 15%, it is based on taking on more risk and lending to people with poorer credit histories.
We are able to diversify the risk so you are not just lending to one person, but multiple people simultaneously.

Can you withdraw you investment at any time?

At any time, you can withdraw your investments that are not lent out and waiting in our lending pool. You can also request to withdraw your investment lent out to borrowers. You will become ineligible to earn interest after making the withdrawal request. The withdrawal process may take some time to complete. You will start receiving the investment back once the lent-out investments are completed, transferred to another lender or purchased by the provisional fund.
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