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

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