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Tenancy Agreement

A legal contract between the landlord and the tenant. The agreement contains the terms and conditions of a tenancy, including the duration of the agreement and the rental amount payable by the tenant. See also Assured Shorthold Tenancy (AST).

Total Return

The total return on an investment is the total gain or loss it generates. This includes all income received less any costs incurred as well as any capital gain realised on exiting the investment. It is generally expressed as a percentage of the amount invested.

Transaction Costs

This term covers all manner of costs including, but not limited to, British Pearl's fees, legal fees, surveyor fees, taxes, and refurbishment costs.


A person or firm that holds or administers property or assets for the benefit of a third party. They have a fiduciary responsibility to the trust beneficiaries and therefore trusted to make decisions in the beneficiary’s best interests. A trustee is required to uphold a strong level of integrity and impartiality in conducting its duties, they are not permitted to benefit or profit from their position.

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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