Invest in property today

From £100 you can own shares or make secured loans

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. Our automated Resale Market provides investors with the ability to trade property shares and loans delivering valuable liquidity to an illiquid asset class. Here’s how it works when you are a Share Investor or Loan Investor.

Share Investor

You are a shareholder in property

vs

Loan Investor

You are a lender to a property owner

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

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

Share Investor vs Loan Investor

Share Investor

  • You are a shareholder in property
  • Buy shares in a ring-fenced property owning company managed by British Pearl

Loan Investor

  • You are a lender to a property owner
  • Lend to a ring-fenced property owning company managed by British Pearl
How do returns work?

Dividends

  • Monthly net rental income based on shareholding

Profit share

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

Interest

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

Fixed returns

  • Do not receive profits if property prices rise
  • Receive monthly interest income
How can I exit?

Property sale

  • Rental properties held for up to 5 years
  • Development properties held for up to 2 years
  • British Pearl can alter 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

Property sale

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

Resale Market

  • Sellers list their loans for sale, stating a price, buyers can bid
  • Our system automatically executes matched orders
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?
  • Returns are net of fees
  • 2% Participation Fee
  • 20% Success Fee
  • No Annual Fees

Resale Market

  • Sell shares 1%
  • Interest is net of fees
  • No Annual Fees

Resale Market

  • Sell loans 0.5%

How to invest in under 4 minutes

Confirm email

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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.
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Your capital is at risk Investing in property involves risk. The value of your investment can go down as well as up and historic performance is not a guide for future performance. Any projections of future performance are based on all information known at the time of share investment or loan, and internal calculations and opinions of British Pearl. These are subject to change and are not guarantees and should not be relied upon as such. Risks include the total loss of your share investment or loan, variable rental income due to property not being rented or a depressed rental market, and inability to sell your share investment or loan due to lack of a buyer. Investing with British Pearl falls outside the remit of the Financial Services Compensation Scheme. Please refer to the Key Risks section of this site for a more comprehensive description of the risks involved.

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