"If things go wrong (and they can), then a property-backed Isa at least means that there is a tangible asset that can be sold to recover your money,” says Frazer Fearnhead, chief executive and founder of property peer-to-peer lending platform, The House Crowd. “While it’s not a guarantee, it does mean that the secured property would have to suffer a significant fall in value before any of your capital was lost.” Ultimately, having your investment secured against a physical asset gives investors significant downside protection.