How it works

No matter if you are an experienced investor or not, our online investment platform lets you get started investing in councils in minutes. And our simple online platform gives you all the options you need to manage your investments without any hassle, whether you want to invest £5 or £500,000.

our purpose hero header icon
list icon

Earn competitive fixed long term rates

The interest rate for a council loan is closely related to the cost of borrowing for the UK Government. As market interest rates rise, the cost of borrowing usually increases for all including Government, councils, businesses and us as individuals.  The reverse is also true. That means our council investments will generally always offer rates of return that are competitive with other comparable savings and investment products.

The interest rate and payment dates on our council investments are fixed for the life of the investment. As well as giving you certainty on how much you are due to get back and when, you can watch how your nest egg is helping to fund real climate projects around the country.

list icon

Regular returns across the investment term

All our council investments offer regular six monthly interest payments across the investment term, and you start earning interest from the day you invest. Some also pay back some of your invested capital every six months as well,so you won’t have to lock your money away for years before you receive any returns.

What you do with this regular income is up to you. You have the choice to withdraw your returns as income, with no charges for withdrawals, or reinvest them into new council investments to grow your portfolio.

list icon

An alternative low risk investment for your portfolio

Low risk investments are an important element of a diversified portfolio. All investments carry some risk, and you can read more about them for our council investments on the link below. But investing in councils is low risk, comparable with the risk of investing in a UK Government Gilt. In fact, no UK council has ever failed to pay back a loan made to it.

list icon

No fees, whatever amount you want to invest

It is important to us that everyone gets the opportunity to invest, regardless the amount. That means no fees to investors, whether you are investing £5 or £500,000. And when we say no fees to investors, we mean it - no fees for investing, opening an ISA, using our marketplace to sell an investment, or anything else. Instead, we charge a fee to the councils who raise money on Abundance.

list icon

Get tax free returns through an Innovative Finance ISA

Our council investments are eligible to be held in an Innovative Finance ISA. That means you can invest using your annual tax free ISA allowance of up to £20,000 and pay no tax on the interest you receive.

list icon

Trade on our marketplace

Our council investments are fixed term investments so your money is tied up until it is repaid. However, we understand that circumstances can change and you may need to access your money earlier than planned. That’s where our marketplace can help. It lets you put up your investment for sale for other Abundance investors to buy, letting you exit when you need to.