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Land Registry

Her Majesty's Land Registry is a non-ministerial government department created to register the ownership of land and property in England and Wales. It is one of the largest property databases in Europe.


There are two ways of owning land in England and Wales: Leasehold and Freehold. Leasehold means that the owner has a lease from the freeholder (landlord) to use the property for a number of years. Leases are usually long term – usually 90 to 120 years but sometimes as long as 999 years. The lease is the contract with the freeholder, which sets down the legal rights and responsibilities of both sides. Leaseholders normally pay an annual 'ground rent' to the freeholder and are responsible for paying maintenance fees, annual service charges and their share of the buildings insurance. The freeholder will normally be responsible for maintaining the common parts of the building (e.g. entrance hall and staircase) as well as the exterior walls and roof.


A property capable of being rented (let) or leased.


Describes the degree to which an asset can be bought or sold in the market without affecting the asset’s price. Liquidity is characterised by a high level of trading activity. Assets that can easily be bought or sold are known as liquid assets (e.g. cash). It is safer to invest in liquid assets than illiquid assets since it is easier for an investor sell their investment.

Loan Investor

Lends money to the property owning SPV.

Loan To Value ('LTV')

The amount loaned to the SPV divided by the estimated value of the property. The lower the percentage is, the lower the perceived risk to the lender.

Example: Property value is £100,000, the loan is £50,000 secured against the property. £50,000 (loan) divided by £100,000 (value) equals 50%. Therefore the LTV is 50%.

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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