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Hassle-free property investing

Earn up to 4.30% p.a.
on our property investments.

Capital at risk. No FSCS on invested sums. Tax treatment depends on individual circumstances and may change. Before investing read more.

We’re British Pearl, a property investment platform.
We specialise in fractionalised property investing. We offer people who may not have the time, resources, or appetite to fully fund a property investment a way to take advantage of the benefits of property investing - with none of the hassle.

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.

Calculate the interest you can earn on your ISA savings with our investments

  • Enter your investment amount
  • Select your property investment
  • See returns by month, year and term
  • See how much your savings could grow
I want to invest:
Select investment:
624 months
Rate p.a.
First months' interest£15.62
Average annual interest£578.65
Total interest return£30,089.74
Investment + return£35,089.74

Calculations are a guide only, based on investment for the full term and assuming that all interest earned is reinvested in a similar loan (subject to availability).

What are British Pearl
share investments?

Our share investments offer you a way to buy into a property, without buying the whole property.
You receive monthly dividends made up of net rental income, and a share of any property appreciation when it’s sold.

  • Earn an attractive rate of up to 4.30% p.a.
  • Loans secured with a first charge over UK property
  • Register and invest in minutes
  • 3-5 year investment terms available
  • Interest accrues daily, paid monthly into your wallet
  • Diversify loans across multiple UK properties
  • Option to exit early through our Resale Market
  • Available with tax-free earnings in our IFISA

Capital at risk. No FSCS on invested sums. Tax treatment depends on individual circumstances and may change. Before investing read more.

Choose to invest in any number of our properties

Property loanLTVTerm Ratep.a.
Halifax50%3yrs years3.75%
Hereford50%3yrs years3.75%
Portsmouth No. 260%5yrs years4.20%
Lincoln65%5yrs years4.30%

Investments subject to availability.

Follow these easy steps to invest

Confirm email

Confirm your email address to start the account opening process


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 & invest

Securely fund your wallet via debit card or bank transfer. Then pick a property to start earning interest.

Frequently asked questions

What is a share investment?
Share Investors buy shares in a property, giving them monthly dividends and a share in any property appreciation when the property is sold.
What is a loan investment?
Loan Investors provide a portion of a secured loan against a property. They are paid monthly interest during the term of the investment and receive their capital back once the loan matures and / or the property is sold.
How does it work?
British Pearl enables people to invest in buy to let and development projects for as little as £100, as either shareholders, lenders, or both.

We source and manage all our properties, taking the pain out of property investing and management. Our robust, easy-to-use platform gives you access to an exciting market, plus flexibility and control over your investment.
What will I earn?
We can’t guarantee what your earnings will be. Each of our properties has a unique share and loan return, based on a number of factors including loan-to-value. For our latest returns, check out our site.
What is the British Pearl IFISA?
With a British Pearl ISA, you can invest savings of up to £20,000 p.a. and transfer your existing ISAs tax free in loans secured against UK property. Just like a bank providing a mortgage, your capital is secured with a first charge.

At the moment, it’s only available for our loan investments.

Find out more about our IFISA.
Capital at risk. No FSCS on invested sums. Tax treatment depends on individual circumstances and may change. Before investing read more
Can I access my money early?
Yes. Just because it’s a property investment doesn’t mean it has to be illiquid. If you need to access your money before you investment matures, you can sell your loans or shares on to other investors in the Resale Market. This is subject to demand and fees.

Join British Pearl today.
Start building your own portfolio.


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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