Tax free investing with easyMoney
This is a financial promotion and is intended to provide information, not investment advice.
Each year, UK savers and investors are given a golden opportunity: the ability to earn tax-free returns through their annual ISA allowance. For the 2025/26 tax year, that allowance is £20,000 – and how you choose to use it can significantly impact your long-term financial growth.
At easyMoney, we offer a smart, flexible way to maximise your tax-free allowance through the use of our Innovative Finance ISA (IFISA).
What is an IFISA?
An IFISA is a type of ISA that allows individuals to invest in peer-to-peer loans and earn tax-free interest on their returns. Unlike Cash ISAs which offer minimal interest rates, or Stocks & Shares ISAs, which come with higher risk due to market volatility, IFISAs can offer an attractive middle ground.
Through easyMoney’s IFISA, you can invest in property-backed loans, helping to fund professional property developers while earning potential returns of between 5.4 and 10 per cent per annum, all tax-free.
Like all investments, IFISA investing does come with an element of risk. In P2P lending, the core risk is that the borrower will be unable to keep up with their loan repayments, resulting in a default. In a worst-case scenario, a loan default could lead to a loss of capital for the investor. However, easyMoney works to minimise this risk by carrying out extremely strict due diligence on every borrower before accepting them onto our platform; and by taking property as security against every loan.
Property security means that in the event of a default, we have an asset that we can sell to recoup investor capital. While past performance is no guarantee of future success, to date we have maintained a zero-capital loss record for all of our investors.
Why use an IFISA to maximise your allowance?
Using any ISA can boost your tax-free earnings, but the IFISA can offer more attractive returns than most Cash ISAs, and with less volatility than Stocks and Shares ISAs.
With easyMoney, eligible investors can earn target returns ranging from 5.4 per cent to 10 per cent per annum, depending on the product tier and amount invested. And because these returns are within the ISA wrapper, there’s no tax erosion.
Furthermore, any interest earned can be kept within the IFISA and compounded over time. Compound interest is where you can earn interest on your past interest payments, and this allows you to grow your tax-free investing pot much more quickly.
IFISA investing also offers diversification from the stock market, balancing the unpredictability of equities with the relatively stable returns of property-backed lending and offering a haven from the macro-economic volatility that has characterised much of 2025.
Making the most of your ISA allowance with easyMoney
There are a few ways to make the most of your ISA allowance with easyMoney and embrace tax-free investing.
1. Use your full £20,000 allowance
Every tax year your ISA allowance resets. If you don’t use it, you lose it. By allocating some or all of your £20,000 allowance to an easyMoney IFISA, you ensure that your capital is working hard and earning tax-free interest. In recent months, there have been rumours that the government plans to cut the annual ISA limit, so it has never been more important to maximise your allowance.
2. Transfer existing ISAs
If you already have a Cash or Stocks & Shares ISA or another IFISA account with a different provider and you believe that your existing ISA is no longer suitable for your needs, you can transfer it into easyMoney’s IFISA without affecting your current year’s allowance. easyMoney makes the transfer process simple and relatively fast. Learn more about transferring your ISAs.
3. Reinvest your earnings
With easyMoney, you can choose to automatically reinvest your interest, allowing for compound growth within your IFISA – all still within the tax-free wrapper.
Start maximising your tax-free returns today – explore the easyMoney IFISA and see how your money could work harder for you.
Capital is at risk. Past performance is no guarantee for future results.
Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future.