Innovative Finance ISA
- What is peer to peer lending ISA?
- When can I transfer my ISA from another provider to you?
- What if I accidentally over fund my IFISA account?
- One off Lump Sum or Monthly Contribution?
- Lending through your IFISA
- If I do not make an investment during the tax year, do I keep my ISA allowance?
- How much of my existing ISA can I transfer?
- How do expected IFISA returns compare to Cash ISA returns?
- Can I move cash from my standard account into new IFISA?
- Can I transfer existing investments from my Standard Account into my IFISA account?
- An Innovative Finance ISA, what is it?
- Can an IFISA be held with more than one provider
- How can I set up my Ablrate IFISA?
- How do I make an investment in my Ablrate IFISA?
- How many ISAs can I have in one year?
- What is a Ablrate Standard account?
- What is my annual ISA allowance?
- What is the difference between a cash ISA, a stock and shares ISA and an Innovative Finance ISA?
- Who can open an IFISA?
- When is the tax year?
Lenders FAQ
- Peer to peer lending explained
- My AER calculated against IRR and XIRR don’t agree. Why is this?
- What is the difference between an amortising loan and an interest only loan?
- Who can become a Lending Member on Ablrate?
- What returns can I expect?
- What is the legal status of the Loans I make?
- What is a ‘Scheduled Borrowing Request’ and ‘Pledge?
- What if I have second thoughts about being a member?
- What happens if Ablrate ceases business?
- What fees do I pay?
- What does Ablrate do to prevent fraud?
- What are your estimated default rates?
- What are Instant Returns?
- Is Ablrate Regulated?
- Interest payment is due today, why is it not showing in my account?
- If a borrower is overseas, how do you protect the asset?
- How much can I lend?
- How long will it take for me to start earning interest?
- How do you handle my money when it is on account?
- How do you assess your borrowers?
- How do I withdraw money from Ablrate?
- How do I receive my interest payments?
- How do I lend?
- How do I deposit funds?
- How do I close my account?
- How do I change my contact details?
- How are rates set for loans?
- Have you got any automation tools I can use?
- Does Ablrate have a dedicated Customer Relation/Service Team?
- Do you accept any other currency other than the GBP?
- Can I print off a ‘Tax Statement’ for my account ?
- Can I lend via a SIPP/ISA/SASS?
- Can I change my username and password?
- Can I cancel a bid?
- Can I buy existing loans?
- What is the “AER”?
- How is interest calculated?
- What level of accuracy are you calculating to?
- Becoming a Lender on Ablrate
- Can I access my money before the end of a loan term?
- Can I be anonymous when using the site?
Secondary Market
- Creating an Offer
- Creating a Bid
- What is the Secondary Market?
- Why does my bid need to be fully funded?
- What yield are you displaying on the secondary market?
- What is a paused loan and what does it mean for me as a lender?
- What if I make a mistake when transacting in the Secondary Market
- What are the Bid Price and Offer Price?
- Is the secondary market guaranteed to operate at all times?
- How does accrued interest work in the secondary market?
- How do I place an offer?
- How do I place a bid?
- How do I buy or sell loan parts?
- Secondary Market – Overview
- Secondary Market – Creating Your Own Bids and Offers
- Do I still receive interest on loan parts that I have offered on the secondary market?
- Do I have to accept a bid or offer manually or is it automated?
- Do I still receive interest on loan parts that I have offered on the secondary market?
- Can I amend a bid or an offer after I place it?
