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Hassle-free property Investing to suit your needs

You can spread your investment across any number of properties which vary in type, location and risk profile.

Capital at risk. No FSCS on invested sums. Forecasts are not guarantees and performance may vary. Tax treatment depends on individual circumstances and may change. Before investing read more.

British Pearl has transformed the way people invest in UK property.

We are the first platform to enable people to invest as either a shareholder or lender in properties of their choice. Once an investment is fully sold, our automated Resale Market offers investors a source of liquidity by allowing them to list their buying and selling intentions and automatically executing transactions as they match. See key risks
Here’s how it works when you are a Share Investor or Loan Investor.

Share Investor

You are a shareholder in property

Buy shares in a ring-fenced property owning company managed by British Pearl

vs

Loan Investor

You are lending against a property

Lend to a ring-fenced property owning company managed by British Pearl

Dividends

  • Monthly net rental income based on shareholding

Interest

  • Competitive fixed interest rate paid monthly
  • Eligible for tax-free returns in the British Pearl IFISA

Profit share

  • Receive a share of the net sale proceeds
  • Receive leveraged profits if property prices rise
  • Take first loss if property prices drop
  • See key risks

Fixed returns

  • Do not receive profits if property prices rise
  • Receive monthly interest income
  • See key risks

Property sale

  • Rental properties held for terms up to 5 years
  • Development properties held for terms up to 2 years
  • British Pearl can alter the term if in investors’ best interests

Property sale

  • Rental properties held for terms up to 5 years
  • Development properties held for terms up to 2 years
  • British Pearl can alter the term if in investors’ best interests

Resale Market

  • Sellers list their shares for sale, stating a price, buyers can bid
  • Our system automatically executes matched orders
  • British Pearl provides an indicative share price
  • See key risks

Resale Market

  • Sellers list their loans for sale, stating a price, buyers can bid
  • Our system automatically executes matched orders
  • See key risks

Second

  • Paid after Loan Investors
  • Profit share means potential for greater returns
  • Returns enhanced by leverage
  • See key risks

First

  • Paid before Share Investors
  • Loans secured against the property by a legal charge
  • Eligible to receive interest whether or not property is tenanted
  • See key risks

Fees on Shares

  • Returns are presented net of fees
  • 2% Participation fee
  • 20% Success fee on realised capital gains
  • No annual fees

Fees on Loans

  • Interest is presented net of fees
  • No annual fees

Resale Market

Resale Market

How to invest in under 4 minutes

Confirm email

Confirm your email address to start the account opening process

Accreditation

It is a legal requirement to confirm what type of investor you are and ensure our investments are suitable

Verify ID

We have to verify your identity to open your free account and prevent fraud

Fund wallet

Securely fund your wallet via debit card or bank transfer

Join British Pearl today. Start building your own portfolio.

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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