This calculation is a simulated historical performance. Past performance is not a reliable indicator of future performance.
Where available, actual Bricklane performance used. Prior to launch of each fund, house price growth assumptions based on
Hometrack Cities Index (accessed 08/10/2017). Net rental income on each fund is based on estimated average rental yields across
each portfolio. Assumes all investments are held in an ISA, funds maintain REIT status, and normal Bricklane fees apply.
Cash ISA rates are based on 1 year fixed accounts over last five years using data from Bank of England.
Figures shown after all taxes, fees and costs have been deducted.
As with all investments, the value of your Bricklane investments can decrease as well as increase. It could take the time it takes to sell a property, or longer, to get your money back at an acceptable price.
Rental yields and dividends may be lower than estimated.
A Stocks and Shares ISA may not be right for everyone and tax rules may change in the future. If you are unsure if an ISA is the right choice for you, please seek independent financial advice.
Register through our secure website. This takes about 10 minutes. You will be asked how much you want to invest and how you wish to fund your account (one or more of: ISA Transfer, single payment, or monthly recurring payment). We then perform identity and anti-money laundering checks and action your payment. Once this is complete, you can choose which funds you want to invest in, or opt to split your investment equally. After this your money is invested in each fund at the next investment cycle (within 2 weeks of when we receive your payment, which can take up to 7 days to reach us). With Bricklane, you invest in funds that own houses and flats. The properties are let to tenants and professionally managed on your behalf.
Over time, the value of Bricklane customers’ investments in each fund tracks movements in the properties owned, plus rental income is earned on top.
Once invested, customers can view the performance of their investments from their dashboard when logged into Bricklane. From there, customers can add more money, change their monthly contribution, and see more information about the properties they own a share of. They can also request to exit their investments, with no minimum holding period or exit fees.
An ISA (Individual Savings Account) is a tax efficient way to save. UK residents can invest up to £20,000 (in the 2019/20 tax year) tax-free. It means that you won’t pay tax on any increase in the value of your investments or income received. The tax year ends on the 6th of April each year.
To make your Bricklane investments through an ISA, you must select this option during sign up. Please note that the tax advantages of ISAs depend on your individual circumstances and may change in the future.
If you are a new customer, you will be given the option to transfer in an existing ISA during the signup process. All you need to do is print, sign and return a form letting us know the details of the ISA you want to transfer, and we handle all communication with your existing ISA manager on your behalf.
If you are already an existing Bricklane customer and wish to transfer in an ISA, please login and generate your ISA Transfer form from your Dashboard.
Your savings are invested in funds of properties, owned by you and other Bricklane customers and let and managed on your behalf. You can choose which funds to invest in (currently London or Regional Capitals) after signup. In the long term, the value of your shares in each fund reflects the value of the properties owned; when the properties change in value, so does your investment. Alongside, the properties generate rental income. This rental income can be reinvested in Bricklane, generating further rental income, or distributed to your bank account. You can choose either way during sign up. Please note that your capital is at risk.
Customers can request to exit their investments in a few clicks at any time from within their Dashboard. During normal market conditions, you can exit within 2 weeks by selling to another customer.
If, in exceptional circumstances, there is ever a shortage of buyers for your shares, you will have the option of waiting for a buyer to sell at market value, or offering them at a discount to incoming investors to sell them faster. You will be given this choice in your dashboard, with the opportunity to set the maximum discount at which to sell your shares to an incoming investor.
If you choose to wait for a buyer, and we take the view that there is likely to be a sustained imbalance of supply and demand in a given fund, the fund may choose to downsize and buy your shares back from you. If there is no money available for this purpose, the fund in question would sell property in order to generate it, which is the reason we make reference to 'the time it takes to sell a property, or longer' in relation to how long it can take to get your money back.
As with all investments, investing with Bricklane carries risks.
If you want to sell shares, there is no guarantee that you will be able to find a buyer for your shares within a reasonable timeframe at a price that is acceptable to you. The REITs invest in residential property, which are not highly liquid assets. Rental yields and dividends may be lower than estimated.
Tax rules and allowances depend on individual circumstances and may change in the future. A Stocks and Shares ISA or SIPP may not be right for everyone and tax rules may change in the future. If you are unsure if it is the right choice for you, please seek independent financial advice.
Before you complete sign up, you will be asked to read—and indicate understanding of—a detailed list of risks. For a full list of risks, please consult the REIT prospectus (London, Regional Capitals).
The value of your investment can go down as well as up. If you want to sell shares, there is no guarantee that you will be able to find a buyer for your shares within a reasonable timeframe at a price that is acceptable to you. The REITs invest in residential property, which are not highly liquid assets. Rental yields and dividends may be lower than estimated.
Tax rules and allowances depend on individual circumstances and may change in the future. Bricklane does not give financial advice. If you are unsure about whether investment is right for you, you should seek independent advice before investing, including tax advice.