GILTs

Add fixed-income exposure with gilts

Now on Freetrade. Add steady, fixed income to your portfolio with these low-risk government bonds.

Mobile screen showing a financial app interface for buying 1/4% gilt maturing 31/01/25 with £500 entered and 92 units estimated, and a purple button to review order.

When you invest, your capital is at risk. The value of your investments can go down as well as up and you may get back less than you invest. Freetrade does not give investment advice and you are responsible for making your own investment decisions. If you are unsure about what is right for you, you should seek independent advice.

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Diversify with gilts

A low-risk option for your portfolio, gilts are UK government bonds that offer:

A fixed dividend or coupon every six months
A repayment of the face value of the gilt at maturity

For added flexibility, you can hold gilts until their maturity or sell at any time.

While dividends and repayment at maturity are known, market prices fluctuate. Your return will vary depending on the timing of your trades and market interest rates.

Gilts are available to all Freetrade customers.

Get stable, predictable returns

Gilts pay out regular, fixed dividends every six months.

Backed by the UK government, gilts are considered secure investments. To date, the British government has never failed to make interest or principal payments on gilts.

Trustpilot reviews

Join over 1.6 million users

Very easy to use and very cost effective way of managing an ISA.

RUSSELL PICKETT

It’s been a good experience the first time I am in control of my investments in my isa and general investment. Education that comes with the app and the community to help.

JENNIFER

I used Freetrade for my Stocks and Shares ISA for several years. It is the best looking platform out there (you can easily track your performance over a custom period, super easy to make trades and navigate throughout). The customer support chat is very easy to use and response time is very quick. Would highly recommend.

IGOR MASA

It's such a straightforward trading platform app, easy to use and navigate, the communication is almost instant if you want to query a problem or require assistance, I'm currently investing in my isa!

CLINTON JONES

A charge (£0) free ISA, that’s easy to use with a wide range of investments offered. It seems to good to be true, but I’ve used it now for 18 months without a glitch. The customer care is responsive to questions and very positive and helpful when you need assistance. I’ve just transferred more cash into my account and it was a doddle, just use the button in Freetrade and it fills in its details for the bank transfer so there are no mistakes, the transfer took seconds.

MARK M

Fantastic experience! Really enjoy using the App. Very user friendly. Easy to navigate. Recently moved my old ISA to Freetrade. There were process was seamless and I was kept well informed through our the process. All together very pleased.

MAHEEN MATHEW

Easy way to manage a stocks and shares ISA. Dividends can be used to buy further shares instead of being hit by yet more tax. Tax efficient for your yearly allowance.

DHANOR

Great app - very intuitive & easy to use. Constantly improving the app, features and listing more instruments to invest in. Very excited specifically about the latest changes in the paid plans and making ISA free.

SAMI

I've used freetrade for a few years now. I'm using it to give me one of a variety of incomes as i head in to retirement,(mostly uk dividend shares in my modest portfolio). My basic isa account is free to use, what's not to like!

ROB MC

I have been using Freetrade platform to invest my ISA for the last 5 years. They have made easy to buy and sell shares. Their fees are reasonable. In my opinion they are far better than any other platform.

MAHER

Fund your financial goals

Choose from a range of maturities to match your savings timelines. Get predictable income in the meantime.

Symbol

TR32

TG61

TG33

TG46

TR28

TN28

T53

Maturity

7 Jun 2032

22 Oct 2061

31 Jul 2033

31 Jan 2046

7 Dec 2028

31 Jan 2028

22 Oct 2053

Annual coupon rate
(paid semi-annually)

4 1/4%

1/2%

7/8%

1/8%

3 3/4%

Coupon dates

7 Jun/Dec

22 Apr/Oct

31 Jan/Jul

7 Jun/Dec

31 Jan/Jul

22 Apr/Oct

Explore gilts

always do your own research

Invest tax-efficiently

You can hold gilts in your ISA or SIPP to save on UK tax.

Used up your allowance? Even in a GIA, there’s no capital gains tax applied when you sell or redeem a gilt. However, in a GIA, dividends may be liable to income tax.

Always do your own research. ISA and SIPP eligibility rules apply. Tax treatment depends on personal circumstances and current rules may change.

A SIPP is a pension designed for you to save until your retirement and is for people who want to make their own investment decisions. You can normally only draw your pension from age 55 (57 from 2028), except in special circumstances.

At present, Freetrade only supports Uncrystallised Fund Pension Lump Sums (UFPLS) for customers who wish to withdraw funds from their SIPP after their 55th birthday. We strongly encourage you to seek financial advice before making any withdrawals from your SIPP.