Capital Adequacy
Hartley Pensions Limited are in full compliance with the latest FCA capital adequacy rules that came into force affecting SIPP providers.
How it affects you ...Choosing the right ISA to meet your current and future savings needs
Our ISA products have been developed to meet the needs of the modern investor. Your circumstances may change, your investment strategy may change but your ISA provider does not need to. We offer a comprehensive range of ISA products to meet your needs now and tomorrow.
Innovative ISA
The Hartley Innovative ISA enables peer-to-peer (P2P) lending and tax-free interest repayments. You can lend up to the maximum annual allowance to an individual or to a company, effectively cutting out the middleman. The borrower repays this loan over time at an agreed interest rate and all loan repayments are tax free when held within the ISA.
Find out moreStocks & Shares ISA
We offer the Hartley Stocks and Shares ISA which gives you the freedom to choose what you wish to invest in and how you would like investment gains to be treated. You can invest in a wide range of HMRC-allowable investments in the UK and abroad and you can make regular payments into your ISA, up to the maximum annual allowance.
Find out moreHartley Junior ISA
It is never too early to save for your child’s future. Our low fees and efficient administration ensures that the JISA is tax-efficient and stress-free. You can choose which platform you want to use and the child can take control of the account when he or she reaches the age of 16. At aged 16 or 17, the young adult can open an adult ISA and concurrently run the JISA. At aged 18, the JISA can be transferred to an adult ISA. There is no tax due on any capital gains or dividends in the JISA and the annual allowance for the 2017/2018 tax year is £4,128.
Find out moreISA charges & key benefits at a glance
The charging structure for all Hartley ISAs is completely transparent. There are no hidden charges. For more information, see our comparison chart below.
| Innovative ISA | Stocks & Shares ISA | Stocks & Shares Junior ISA | |
|---|---|---|---|
| Establishment fee | £150 | £150 | £50 |
| Annual admin fee | £200 p/a | £200 p/a | £100 p/a |
| Clear & low charges | ✔ | ✔ | ✔ |
| Tax-free investment | ✔ | ✔ | ✔ |
| Flexibility to choose investment platform | ✗ | ✔ | ✔ |
| Ability to change investment platform | ✗ | ✗ | ✔ |
| Your own ISA Administrator | ✔ | ✔ | ✔ |
| No transfer out fees | ✗ | ✔ | ✔ |
| Can provide higher interest rates than cash ISAs | ✔ | ✗ | ✗ |
| Flexibility to choose the right P2P plaftform | ✔ | ✗ | ✗ |
All prices are exclusive of VAT
