u/Total_Revolution3324

Asalamalaikum,

I'm a real beginner to investing so had a few questions regarding the afore-mentioned platforms as Nester offer a IF-ISA, Gatehouse offer a Cash ISA, ArRayan do not offer any ISAs! My questions are below:

1- Is it firstly possible to have a IF-ISA as well as a Cash ISA as long as amount is <£20,000?

2- If so, is it possible to have a IF-ISA in 1 platform (like Nester) and a Cash ISA in another platform (like Gatehouse)?

3- Can I also open more than 1 Cash ISAs with different providers?

4- I've checked ArRayan and they don't specify "ISA" anywhere on their Savings Accounts currently, does that mean they don't offer ISA accounts? Or can I assume these are ISAs?

5- On Gatehouse, they explicitly mention products under "Cash ISAs". However their "Notice Accounts" are not listed under here, does that mean if I was to open a "Notice Account" it would be subject to tax?

6- I've been thinking to put £10,000 for 1 year into either Gatehouse or ArRayan. Now if Gatehouse offer a Cash ISA (4.35% annual return) and ArRayan offer a non-ISA (4.65% annual return) which would be more profitable?

7- Suppose I'm correct in assuming ArRayan do not offer any ISAs. If I was to put £20,000 into their 12 month fixed Savings account (4.65%) how much tax would I have to pay?

Thanks in advance.

Edit1: As pointed out, I should mention, Total income is £48,000 for 2025-2026.

Has anyone used the Kalam app? I've recently seen a video by Ismail Arman where he has found good benefit from using it to speak (as an introvert) and thinks its better than ChatGPT. We're talking about MSA btw.

What are your thoughts?

Posting here as my post got deleted in r_HousingUK because I linked the website.

So there's this website in UK (type FindUkProperty in search engine) that claims to be a totally hands-off investment where a person purchases a BTL property through them for around £80k and earns 7% rental profits on this fixed for the first 3 years, after which the person can either sell the property (back to them or list on the market) or continue with them where that 7% is increased with inflation. All the while the person is the sole-owner of aforementioned property.

As someone looking for a totally shariah-compliant investment this seems to tick all the boxes as I don't believe that the market "shariah-compliant" stocks are any more shariah-compliant than the rest. I'm happy with 7%, perhaps I can earn up to 12-13% if I was a hands-on Landlord but for me that extra headache isn't worth it and I'm happy to give up 5%.

After initial contact, the company is telling me themselves that if (for whatever reason) they go bust, the property is still in my name, so I just need to look for another letting agency. They also got some episodes on the BBC show 'Homes under the Hammer".

I feel this is way too good to be true, but I can't fault it. Has anyone else tried this website before, or is there something I'm missing?