Investment Process

    Access to property investments in a few simple steps.

    1. Review Properties

    Create a free investor account in minutes and review detailed information about our carefully selected property investment opportunities. Investors can choose to buy shares in a specific property or make a loan that is secured against the property, or both.

    2. Invest Online

    Invest in property for as little as £100 through our secure site. Manage the quick, straightforward and transparent investment process through your investor account.

    3. Income

    We manage your property investment portfolio with the objective of ensuring Share Investors receive dividends (net rental income) and Loan Investors receive fixed interest payments on their loan that is secured against UK property.

    4. Capital Gains

    Our interests are aligned with our investors’ interests. We profit when our investors do. We have defined investment periods at the end of which we will sell the property to realise gains and we are building a Resale Market to create more buying and selling opportunities.

    Investment Categories

    Examples

    1. Tenant Ready

    Mill Hill East, London
    Langstone Way, NW7

    1 Bed Flat

    Leasehold

    property image
    £318,987
    Project Cost
    5 Years
    Investment Term
    • Share Investor
    • Loan Investor
    • Funding
    • 52%
    • 48%
    • Annual Return
    • 1.5%
    • 4%
    • Total Return
    • 98.46%
    • 20%
    pdf iconDownload Example Info Pack

    2. Refurbishment

    Charlton, London
    Victoria Way, SE7

    4 Bed House

    Freehold

    property image
    £548,719
    Project Cost
    5 Years
    Investment Term
    • Share Investor
    • Loan Investor
    • Funding
    • 62%
    • 38%
    • Annual Return
    • 2.05%
    • 4%
    • Total Return
    • 90.44%
    • 20%
    pdf iconDownload Example Info Pack

    3. Development

    Queens Park, London
    Salusbury Road, NW6

    New Build

    Leasehold

    property image
    £2,699,640
    Project Cost
    16 Months
    Investment Term
    • Share Investor
    • Loan Investor
    • Funding
    • 53%
    • 47%
    • Annual Return
    • 28.15%
    • 6%
    • Total Return
    • 37.54%
    • 8%
    pdf iconDownload Example Info Pack

    Pricing

    Our success is aligned with our investors.

    Participation Fee

    Participation fees contribute to our service administration costs and apply to New Sale and Resale Market transactions as detailed below.

    • Purchase
    • Sale
    Share Investors
    • New Sale
    • 2%
    • n/a
    • Resale
    • 2%
    • 0.25%
    Loan Investors
    • New Sale
    • 0%
    • n/a
    • Resale
    • £5
    • 0.25%
    FAQ

    Performance Fee

    When Share Investors sell their investment, and there has been a net capital gain, British Pearl will charge a performance fee on the gain. Since Loan Investors do not share in any capital gains, performance fees are not applicable to them. Performance fees vary by category of investment:

    • Category 1
    • Category 2
    • Category 3
    • Performance Fee
    • 0%
    • 15%
    • 50%
    • Outperformance Fee
    • 0%
    • 30%
    • 0%
    FAQ

    Benefits

    You control your investment strategy by selecting specific properties to invest in.

    Easy Access

    Property investment is now available to everyone for as little as £100. Investors have access to handpicked deals selected for their potential to outperform the market.

    Dividends & Interest

    Our investments are managed by experienced professionals in order to provide fixed interest income for Loan Investors and dividends (distributable profits generated from net rental income) for Share Investors, who may also benefit from capital gains.

    Control

    You have control of your investment strategy. You can choose which property you would like to invest in and whether you would like to make a secured loan or buy shares in a property owning company (SPV).

    Transparent

    Manage your investments from anywhere using our sophisticated software. We provide easy to understand financial reports on each of your property investments accessible through your investor account.

    Secure

    Our priority is protecting your investments.

    Ring-Fenced
    Investments

    Each property is owned separately and ring-fenced from any liabilities of British Pearl’s other properties and British Pearl itself.

    Each property is purchased by a limited company (special purpose vehicle or “SPV”) incorporated solely for the purpose of purchasing a specific property. The SPV is managed but not owned by us, so is completely separate from the assets and liabilities of British Pearl. In the unlikely event of British Pearl’s ceasing trading, your property investment would not be at risk and could be administered by an alternative manager.

    Segregated
    Client Money

    Pending investment, your money is held in a segregated client account protected by the Financial Services Compensation Scheme (FCSC).

    The money is held in a segregated client account at a leading UK bank, separate to British Pearl’s funds and protected by the FSCS, to a limit of £75,000. For more information please visit the FSCS website. Loans or share investments are not within the remit of FSCS protection.

    FCA
    Authorised

    British Pearl Limited is authorised and regulated by the Financial Conduct Authority.

    The Financial Conduct Authority (FCA) authorises and regulates firms providing financial services in the UK. Commonly referred to as the regulator, it has three main statutory objectives (i) to protect consumers, (ii) maintain market integrity and (iii) promote effective competition. British Pearl Limited is authorised and regulated by the FCA, and operates within its very strict rules and regulations. Our registration can be confirmed on the FCA’s financial Services Register using firm reference number 674693.

    Liquidity
    Protection

    Your property investments are protected from cash flow problems by our contingency funds.

    For each investment a capital reserve, known as the SPV Reserve, will be maintained to cover any unforeseen expenses such as a leaky roof or faulty heating. However, if SPV costs outweigh the rental income and the SPV Reserve, we provide an additional layer of protection through our contingency fund SHIELD. We have the discretion to make SHIELD funds available to any SPV (property investment) in the event it experiences a cash flow problem.

     

    Investment Criteria

    Our investment selection process

    Professional Partners

    British Pearl works with reputable professional partners. These include institutions, investment funds, insolvency practitioners, auction houses, estate agents and developers with excellent track records and forward thinking development strategies which enhance the areas they work in.

    Location Driven

    We focus on locations with high rental demand, good transport connections and excellent growth potential.

    Risk Mitigation

    British Pearl’s experienced Investment and Risk Team employs a rigorous assessment process to minimise risks and maximise potential returns. Where possible we offer property investments under the current RICS valuation to give the highest possible chance of capital gains for Share Investors.

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