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FAQs

British Pearl operates a property investment platform facilitating share and loan investments in UK property. Our platform is helping to revolutionise the way people invest in property by enabling online investment in buy to let and development projects, as either shareholders (which we call Share Investors) or lenders (which we call Loan Investors) or both, while also helping developers to raise equity and debt funding.

British Pearl Limited is authorised and regulated by the Financial Conduct Authority, the UK's financial services regulator. Our Firm Reference Number is 674693 and you can see our registration on the FCA’s Financial Services Register. Accordingly, we are subject to strict rules and regulations and must operate to the high standards they set. As well as operating within a regulated framework, we seek to go over and above that required by law, including treating our customers fairly. In particular, we do our utmost to ensure we are transparent about our fees and the risks of the investments that we offer on our platform. All British Pearl approved property investments are thoroughly vetted by our Investment and Property Teams, which provides full details on every opportunity presented on the website. Also, our fee structure has been designed to ensure that our interests are aligned with yours i.e. we make money when you do. These steps have all been taken to give British Pearl customers the confidence and trust they need to invest through British Pearl. We also have a strict Privacy Notice to ensure your data is stored securely and is never shared. We are registered with the Information Commissioner’s Office, and our registration number is ZA261638.

Please also refer to the sections How do we protect your money and investments? and What would happen if British Pearl ceased trading?

Our mission is to be the leading property investment platform. We will achieve this by:

  1. increasing access for savers and other investors to property-backed investment in both buy to let and development opportunities;
  2. improving access to capital for developers; and,
  3. creating an investment class in property shares and loans which are tradeable in a liquid Resale Market.

Each property investment is owned by a special purpose vehicle (“SPV”), which is a UK Limited Company incorporated for the “special purpose” of buying property. This is done so that each property investment is held completely separately from every other and also from British Pearl (the business that operates the investment platform).

An additional layer of protection is provided by the structure of British Pearl Group. Various functions have been kept separate by incorporating distinct legal entities for each, out of reach of any potential creditors of British Pearl, including estate management and the security trustee whose role is to hold the charged property on behalf of Loan Investors.

In the event of British Pearl suffering financial difficulties, the British Pearl Board will trigger our wind down plan. The purpose of the plan is to ensure a timely and orderly wind down of our activities with a view to mitigating impact on investors prior to British Pearl ceasing trading.

All cash (but not investments) held either in your main or ISA accounts is designated as client money. This means, your funds are held in trust in a segregated bank account. Client money is kept separate to British Pearl’s funds and is protected by the Financial Services Compensation Scheme, up to a personal limit of £85,000.

Register quickly and easily and you can start investing immediately. You must provide some basic personal details that we will verify with our partner credit reference agency. We do this to verify your identity in order to comply with UK anti-money laundering rules and those of our regulator, the Financial Conduct Authority.

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Your capital is at risk. The value of your investment can go down as well as up and you may get back less than you invest. Past performance is not a reliable guide to future performance. Your investments are not protected by the Financial Services Compensation scheme (FSCS). Forecasts are not guarantees and performance may vary. Our Resale Market opens only when investments are fully sold. Exiting early, when you want and at the price you want is not guaranteed. Risks include the total loss of your share investment or loan. Tax treatment depends on individual circumstances and may be subject to change in the future. If you are not sure about investing, seek independent, professional advice. Before investing, read our Key risks.

British Pearl ® is the trading name of British Pearl Limited (Company No. 7151774), a company authorised and regulated by the Financial Conduct Authority (Register No. 674693) and British Pearl Finance Limited (Company No. 10575280 and Register No. 770867), which is an appointed representative of British Pearl Limited. Both companies are wholly owned subsidiaries of British Pearl Group Limited (Company No. 9701436) and all are registered in England and Wales at 4th Floor, 7-10 Chandos Street, Cavendish Square, London, W1G 9DQ