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Frequently Asked Questions

What is British Pearl?

British Pearl operates a property investment platform facilitating share and loan investments in UK property. Our platform is helping to revolutionise the way people invest in property by enabling online investment in buy to let and development projects for as little as £100, as either shareholders (which we call Share Investors) or lenders (which we call Loan Investors) or both, while also helping developers to raise equity and debt funding.

How does British Pearl maximise customer protection?

British Pearl Limited is authorised and regulated by the Financial Conduct Authority, the UK's financial services regulator. Our Firm Reference Number is 674693 and you can see our registration on the FCA’s Financial Services Register. Accordingly, we are subject to strict rules and regulations and must operate to the high standards they set. As well as operating within a regulated framework, we seek to go over and above that required by law, including treating our customers fairly; this can be seen in our Code of Conduct found in the footer of the website. In particular, we do our utmost to ensure we are transparent about our fees and the risks of the investments that we offer on our platform. All British Pearl approved property investments are thoroughly vetted by our property team, which provides full details on every opportunity presented on the website. Also, our fee structure has been designed to ensure that our interests are aligned with yours i.e. we make money when you do. Our practices are audited by external chartered accountants and regarding compliance, our internal codes, manual and practices are reviewed by independent compliance consultants. These steps have all been taken to give British Pearl customers the confidence and trust they need to invest through British Pearl. We also have a strict Privacy Policy to ensure your data is stored securely and is never shared. We are registered with the Information Commissioner’s Office, and our registration number is ZA261638.

Please also refer to the sections How do we protect your money and investments? and What would happen if British Pearl ceased trading?

What is our mission?

Our mission is to be the leading property investment platform. We will achieve this by:

  1. increasing access for savers and other investors to property-backed investment in both buy to let and development opportunities;
  2. improving access to capital for developers; and,
  3. creating an investment class in property shares and loans which are tradeable in a liquid Resale Market.

What would happen if British Pearl ceased trading?

We have designed a system which ensures that our customers' investments are protected and would continue to be administered in the event that our service ceases to operate.

Each property investment is owned by a special purpose vehicle (“SPV”), which is a UK Limited Company incorporated for the “special purpose” of buying a single property. This is done so that each individual property is held completely separately from every other property and also from British Pearl. Share investors will be owners of the SPV and Loan Investors lend to the SPV. Should anything happen to British Pearl as an organisation, the individual SPV's will not be impacted financially.

An additional layer of protection is provided by the structure of British Pearl Group. Various functions have been kept separate by incorporating distinct legal entities for each, out of reach of any potential creditors of British Pearl, including estate management and the security trustee.

How can you invest?

Register quickly and easily and you can start investing immediately. You must provide some basic personal details that we will verify with our partner credit reference agency. We do this to verify your identity in order to comply with UK anti money laundering rules and those of our regulator, the Financial Conduct Authority.

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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