Property-backed loans for you to invest in through our tax-free* 'wrapper'

Invest in loans with rates up to 10% and watch your money grow

Funds lent through Relendex are loans and not deposits. That means your capital is at risk.
*Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
Can I open an IFISA?
I am 18 years of age or above
I am a UK Tax Resident
I have a National Insurance number

£100 for each
friend you refer!
As an existing Lender, why not refer a friend to the Relendex ISA and we will credit £100 to your Lender Dashboard.

Just send us an email at Lender Support and once your referee has registered and transferred in the minimum of £500 to the IFISA account you will earn your Referral Bonus.

*Referees from the same household are not eligible.
**They must be completely new to the Relendex platform and not hold any existing Lender accounts.
How to open a Relendex IFISA?
Fill out our IFISA registration form – please have your National Insurance number ready
Subscribe / Transfer
Subscribe new IFISA funds or transfer existing ISA funds from previous years.

More Details
Have a look at our Auction Marketplace and lend on live loans that suit your risk appetite.
Once a loan has been fully funded and drawndown, you will start earning interest (paid out quarterly) on your funds.

Reinvest these tax free funds and let your money grow!
Any Questions?
Relendex IFISA FAQ
What is the Innovative Finance ISA?
In April 2016, HM Treasury gave the green light to the peer-to-peer lending industry to offer investors more choice alongside existing Cash and Stocks & Shares ISAs.

As a FCA fully authorised firm and having received ISA Manager status from HMRC, Relendex is able to offer investors the Innovative Finance ISA (IFISA), providing tax-free investment returns.
Do I need to be a lender to open an IFISA account?
No you can open an IFISA account with Relendex independent of a normal Lender account.
Why do I need two email addresses if I want both a regular lender account and an ISA account?
Existing Lenders (and new Lenders wishing to open both a regular lender account and an ISA account) will need to use an alternative email address to open an ISA account with us. This is because our system recognises each email as a unique ID. ISA accounts are separate from regular lender accounts to ensure a clear separation of funds.

*If you do not have another email address that you check regularly, you can set up another email address and set it to auto-forward all incoming mail to your main account.
Is there a limit to my IFISA?
There are limits on the amounts that you can subscribe or invest in an IFISA in each tax year (beginning on 6th April and ending on the following 5th April of the following year). The maximum you can subscribe in the 2017/2018 tax year is £20,000.

The £20,000 limit is the annual allowance for ALL ISAs (in aggregate) held by an individual. This applies to Cash, Stocks & Shares, Innovative Finance or Lifetime ISAs that you open in the same tax year. It is the ISA holder’s responsibility to stay within the limits.

*ISA Managers report to HMRC, so any individual exceeding the permitted limit will be identified and taxed accordingly.
How many IFISAs can I have?
You cannot subscribe or invest in more than one IFISA in each tax year at any one time, but you can subscribe to multiple types of ISAs in one year as long as you don’t exceed the annual allowance limit.
Can I transfer previous years' ISA subscriptions in?
Yes we accept transfer of existing Cash ISA, Stocks and Shares ISA or Innovative Finance ISA, of which the value of each ISA being transfer must be at least £1000. If we accept a transfer, you will need to sign a Transfer Authority form and send it to:

Relendex Transfer Team

You can download a copy of a Transfer Authority form from your Lender Dashboard, or email your request to

You can see the transfer process here - Transferring an existing ISA
Is it a flexible ISA account?
No the Relendex IFISA is a not flexible ISA. This means that you cannot replace, in whole or in part, cash you have withdrawn from your IFISA and any and all subscriptions made during a tax year will count towards your subscription limit for such tax Year.
What is the minimum investment?
Minimum investment for new ISA funds is £500. For transfer of existing ISAs, there is a minimum limit of £1,000.
Is there a transfer out fee?
No, but we reserve the right to introduce one at a future date.
Are there any limitations to withdrawing from my Relendex IFISA?
Not for cash held in your account. As for Loan Parts that you hold, you will need to sell them in the Resale Marketplace or wait for a repayment to provide the cash for withdrawal.

When withdrawing from your Relendex IFISA always remember that Relendex IFISA is not flexible. This means that you cannot replace, in whole or in part, cash you have withdrawn from your IFISA and any and all subscriptions made during a tax year will count towards your subscription limit for such tax Year.
Can I transfer funds from my existing Relendex non-IFISA account?
No, you may not, as HMRC does not allow such transfers. ISA rules do allow you to sell your Loan Parts in the Resale Marketplace, withdrawal of cash and deposit into an IFISA. However, sales take place on a matched-bargain basis and there is no guarantee your Loan Parts will find buyers.
How can I close my IFISA account?
To close your IFISA you must provide us with written instructions, via email or post, to do so.

Important Notice


Relendex Limited is regulated in the United Kingdom by the Financial Conduct Authority and entered on the Financial Services Register - FRN 723117.


Lenders participating in these arrangements should be clearly aware that any sum lent through the Exchange is a loan and not a deposit and its repayment is not guaranteed. It is in the nature of an investment opportunity. Any investor should consider an appropriate spread of risk. Non-institutional investors should seek professional advice before lending through the Relendex Exchange.
View Notice in full


Relendex Limited is registered in England, Company Number 07486328 Registered Office: Ground Floor, 45 Pall Mall, St James’s London, SW1Y 5JG


Relendex Limited is registered under the Data Protection Act, Registration Number PZ2708231



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