British Pearl is a UK property investment platform that lets you invest in properties as either shareholder or lender.

If you invest as a lender, you’ll receive monthly income from the loan interest payments. As a share investor, you’ll receive monthly dividends from rent income.

You can start investing from 50 GBP, although I don’t know why the website is saying in their FAQ that the minimum investment is 100 GBP.

They’ve opened their platform this year, and I heard about them while they were running a crowdfunding campaign on Seedrs. Since I wanted to invest in them, I also needed to test their product and see what they offer.

Key features:

  • Investment types: Buy-to-sell properties/Rental properties, Development loans
  • Investment terms: up to 5 years
  • Return rates: 4-13%
  • Fees: 2% fee when you invest; 20% success fee from the property sale (only for the price appreciation)
  • Minimum investment: 50 GBP
  • Currency: GBP
  • Secondary market: yes
  • Auto-invest: no

Visit site

My portfolio:

  • Last update: April 2019
  • Started Investing: December 19th, 2018
  • Current value: 614.48 GBP
  • Profit: 14.48 GBP
  • Expected return rate: ~10%

I’ve invested so far in 6 properties with expected annual returns from 8% to 13%. The most part of the expected return is based on expected property appreciation, so in 3-5 years when these properties are sold, it might not produce that much.

The rental dividends for the past 3 months amounted to 5.3 GBP.  My profits also include 21 GBP in unrealised property price gains. And from my gross profit, I had to subtract the 11.78 GBP fees I’ve paid in order to invest in the 6 properties.

As soon as newer properties will appear on the platform, I’ll add some more funds.

How does it work

Each property they put on the market is incorporated into a separated UK limited company, a special purpose vehicle (SPV). In this way, your investment is protected in the case British Pearl goes bankrupt.

Share investors get shares of the property, and the loan investors invest in a loan secured by the property, at a loan to value typically between 50% and 75%.

During the investment, the share investors receive dividends from net rental income and loan investors receive monthly interest.

When the property is sold, the share investors receive any profit resulted from the property price appreciation, after the loan has been paid back to the loan investors.

British Pearl chooses on the platform 2 types of investments: development investments (up to 2 years) and rental investments.


The rental properties chosen are either tenant ready new builds or properties that need some refurbishment to add value to the investment. All properties have typically a 5-year investment term.

I love the fact that you can transfer any amount of money through a debit card. Using my Revolut card, the funds appear instantly on my account and I can invest my funds on the spot.

Who can register

From what I see, anyone can register on the platform. UK residents can also open an ISA account with them.

Share or loan investor

Should I invest as a loan investor or as a share investor? It all depends on the risk you’re willing to take.

Loan investors have a fixed return. At the end of the investment term, they receive their loan back, plus the monthly interest.

Share investors receive a share of the profit gained from the property appreciation after the loan has been paid. If the property increased in value, the profit is higher. If the property decreased its value, they might even lose money.


As a loan investor, you don’t pay any fees unless you want to exit earlier from your investment and sell it on the Resale Market, in which case you pay a 0.5% fee.

As a share investor, you pay a 2% fee at the time of investment, plus a 20% success rate fee from any property price appreciation at the end of the investment term. So, if the property doubled its price during the 5-year investment term, 20% of the price increase is paid as a fee to British Pearl. You’ll also pay a 1% fee if you want to exit your investment earlier and sell it on the Resale Market.

The new sale market

british pearl new sale market

You can see the list of available investments on the Properties page. Each property has listed all sorts of details related to financials, property costs, rental income, expected capital gain.

If you decide on an investment, you can choose to invest in shares or the loan.

british pearl invest in shares

For share investments, the 2% fee is paid at the time of the investment.

Once you invested in a property, you’ll be able to see your investment on the My account page.

british pearl my account

The resale market

The resale market is a bit weird on the British Pearl website because it doesn’t have its own page. Instead, each property that was fully invested has a separate section named Resale Market.

british pearl resale market

There’re only 8 properties on the website so far, and only 2 of them are available on the market because the others are still in the funding phase, but still. A separate page would work better.

From what I see, the offers and bids are disconnected right now, with offers to sell too high and bids to buy too low. I assume for now there’s not much activity on the resale market.

Conclusions on British Pearl

British Pearl platform is only a few months old and there are only a few (8) properties available on the platform for now. I like the user experience the website offers, even though there are some features I’d like them to have, like a separate space for the Resale Market.

I don’t mind that they don’t have an auto-invest tool, as I want for now to test out their products, I bet they’ll be adding that in the future, as auto-invest is the new hype on all fintech platforms.

British Pearl is FCA (Financial Conduct Authority) regulated and this provides an extra layer of trust.

I’ll need to see how my investments are doing in a few months and how the platform evolves to have a more educated opinion about them.

The services they offer are similar to the ones Property Partner offers on the same UK market. You can check out my review about them here.

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1 Comment

Tony@onemillionjourney · December 28, 2018 at 5:34 pm


Thank you for your easy to read and clear review. I didn’t know about British Pearl before. As you say, it looks similar to Property Partner. I find the fees to be a bit extreme (20% success fee?) for the yields offered. Anyway, I will make sure to stick around to check out how it performs in your portfolio.

By the way, I like how your site is organised. I am new into this and struggle to make it look great.

All the best,

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