Six IFISAs that target returns above inflation

Inflation is expected to hit 8% in April, hitting savers and investors struggling to find anti-inflationary returns from traditional providers.

But look no further than Innovative Finance ISAs (IFISAs), which have consistently outperformed the stock market over the past four years, and some of which may even exceed the dreaded 8% figure.

So News Peer2Peer Finance has compiled a list of IFISA providers that aim to deliver inflation-beating returns this year.

This list is made up of vendors who specifically target eight percent or more in returns. This list does not include platforms that offer a range of target returns, where the bottom value is less than 8%. For example, this includes those who aim for returns between 5 and 12%, or those who offer targets “up to” a certain number like 10%.

Platforms that may offer investors the opportunity to achieve eight percent or more returns but do not meet these criteria include Abundance, ArchOver, CrowdProperty, Crowd2Fund, Crowdstacker, JustUs, Fund Ourselves, HNW Lending, LandlordInvest, Unbolted, Proplend , Share Credit , Shojin Property Partners and Tifosy.

Right here News Peer2Peer Finance lists IFISA providers that specifically target returns above eight percent.

Read more: P2P lenders fight over £500m of Zopa money and Funding Circle IFISA

Read more: Which IFISAs are still accepting money for the 2021/22 tax year?


Peer-to-peer lending platform Ablrate is targeting returns between 9% and 15% this year.

The platform offered an average interest rate of 13.4% in 2021.

Simple crowdfunding

The P2P home lending platform is targeting an 8% average return for lenders this year.

Simple Crowdfunding resumed P2P lending in March, with changes to its business model and a live project for homebuilder Acorn Property Group on its website.

to lend

Lendwise is a new addition to the IFISA family, having launched its IFISA in January this year.

Lenders can invest in the platform’s student loans, which are primarily used by postgraduate students looking for a fixed rate loan to fund their studies. The platform is already targeting returns of 9% on average this year.

Rockpool Investments

Rockpool Investments aims for average returns of 8-10% per year.

The firm focuses on profitable and growing businesses that are still under the radar of traditional private equity funds. Lenders can invest in IFISA to build a portfolio of loans to private companies.

Shojin Real Estate Partners

Shojin Property Partners is aiming for an average return of 10 to 15% this year.

Last year, the P2P real estate platform offered an average annual return of 12% to its investors.

original capital

Sourced Capital is targeting returns of 10% in 2022, after generating 11.92% on average last year.

The P2P property lending platform said in March it had already developed a £12.3million loan pipeline, just a month after being directly authorized by the city regulator.

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