Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more
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
How do returns work?
Dividends
- Net rental income based on shareholding.
Interest
- Competitive fixed interest rate accrued daily
- 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
- Interest usually paid monthly
- See key risks
How can I exit?
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
How repayment priority works
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
What are the fees?
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
- Sell shares 1%
- See key risks
Resale Market
- Sell loans 0.5%
- See key risks
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