We indicate the risk, you set your rate
All loans on rebuildingsociety.com will receive a risk rating from A+ to C, with C rated loans being the riskiest. Each of these bandings has an upper interest rate limit. As a lender you can set the rate you want to lend at, depending on your risk appetite. Rates may be lower where loans are supported by security.
- A+ 11% and under
- B 17% and Under
- A 14% and under
- C 20% and under
Innovative Finance ISA Fees
Free to open
We don't charge you to open an ISA account.
A fee of £40 applies to transfer in an existing ISA from another provider.
A monthly fee of 0.1% of assets (bids + microloans) will be taken from your available balance on the 1st of each month. Defaulted microloans are excluded. Fee is discounted to 0.05% for accounts with assets of £150,000 or more.
A fee of £40 applies to transfer out your IFISA to another provider.
Privately Arranged loans
Customers wanting to arrange a privately syndicated loan pay according to the type of loan:
- Amortising loans: Arrangement fee of 3.25% of loan amount applies
- Interest only: A fee of 13.33% of each interest payment applies
When using the Director's Loan Account ISA, customers are arranging a privately syndicated loan and using an ISA account.
Peace of Mind
You do not pay for legal recovery costs and default fees are levied against borrowers. To finance our legal enforcement action, the firm prioritises the recovery of its costs and fees. This may reduce the recovered funds repaid to you if the recovery is partial.
We also encourage you to read the loanbook performance updates on our blog, which disclose the aggregate lifetime net return performance.