How much can I invest?

You can invest from £1,000 up to £250,000. The maximum investment per transaction online is £50,000. The Stocks and Shares ISA (2016/2017) allowance is £15,240 and all Fortress Bonds are eligible.

What does Castle Trust do with the money you invest?

To generate your investment returns, Castle Trust uses the majority of the funds you invest to make loans to UK residential property owners (including landlords) secured by mortgage. The balance is held by Castle Trust in cash instruments to provide appropriate levels of liquidity to the business.

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Is my investment covered by the FSCS?

Castle Trust is authorised and regulated by the Financial Conduct Authority and is a participant in the Financial Services Compensation Scheme (FSCS). Find out more.

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What are the risks?

You risk losing capital should Castle Trust become insolvent.

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Can I redeem early?

You are not able to redeem early except in the case of the death of the bondholder. In the case of death, the investment return will be calculated according to the value of the bond at the time of encashment, according to its interest rate.

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What are the charges?

If you invest directly with us, there are no initial or ongoing management charges. If you invest through an adviser, they may levy a charge to you for their services.

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What about tax?

Returns at maturity are paid to you gross. Tax treatment depends on your individual circumstances and may be subject to change.

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Can I put my investment into an ISA?

You can invest in a Stocks & Shares ISA each year, with all returns free of any UK tax – by investing up to £15,240 during the current tax year. You can also transfer any existing ISA balance into our ISA. This cannot be done online, so please call us on (Freephone) 0800 953 0884 (Monday to Friday, 9am-5pm) for further information.

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What if I die before my investment matures?

If your investment is in your sole name, your executors will need to tell us what to do with your investment. We can either transfer ownership of the plan to one or more of your beneficiaries or, subject to our normal rules, allow your executors to cash the investment in early. If you have invested in joint names with someone else, we’d simply continue the investment in their name until the end of the term. At maturity we will pay the full amount due to the surviving investor.

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This website is for authorised intermediaries only. This information has not been approved for use with customers and is not intended for public or customer use. Please confirm that you are an intermediary before accessing information on this website.

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