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Glossary

Her Majesty’s Revenue and Customs ('HMRC')

A government department that administers and collects major taxes such as Income Tax, Corporation Tax, and Capital Gains Tax.

House in Multiple Occupation ('HMO')

A property rented out by at least three people who are not from one 'household' (for example, a family) but share common facilities like the bathroom and kitchen.

House Price Index ('HPI')

An official statistic provided by the Land Registry that captures changes in the value of residential properties in England and Wales. We use the HPI to revalue the properties regularly based on the data for the particular borough or region and type of property (this is updated annually with a valuation undertaken by a surveyor). At present the HPI contains details on over 19 million sales and the data is analysed on ‘like for like’ comparisons between properties. For more information please see the HPI website.

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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