Earn tax-efficient property returns

Bricklane’s ISAs and pensions are the most tax-efficient way to invest in UK residential property. Choose from two portfolios with 7.5%+ annualised performance since launch.

From £100. With investing your capital is at risk. Financial adviser? Visit our Advisers section
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Trustpilot Read our reviews
Shariah compliant Learn more
Featured in
Read our press

Strong returns from both portfolios

Your investments earn returns through rental income, as well as property value changes. These charts show the total shareholder returns for each of the portfolios since they were launched.

Regional Capitals

London

Past performance is not a reliable indicator of future performance

Invest
Open an account Setup your account - choose from Standard, ISA and SIPPs, transfer funds and choose which property portfolios to invest in.
Grow
Track your investment Your investment will automatically start earning returns. Track value change and rental income using your dashboard.
Withdraw
Withdraw your money Submit a request to withdraw money online via your dashboard. Money will be deposited in your account once your investment has been sold.
Property portfolios

Regional Capitals

Learn more    Invest now

Properties in vibrant growing cities of Manchester, Leeds and Birmingham offering a blend of attractive rental yields and strong prospects for long-term value increases

Regional Capitals at a glance
Performance to date1 16.0%
Expected net rental income 3.4%

London

Learn more    Invest now

Properties in the global megacity of London, seeking to maximise returns through smart property selection and efficient management  

London at a glance
Performance to date2 10.4%
Expected net rental income 1.6%
Past performance is not a reliable indicator of future returns. 1. Since 09/16; 2. Since 07/17. Learn more about these figures.
Account types

Tax rules apply and may change

Standard

    Highlights
  •   Start from £100
  •   No maximum
  •   £11,700 tax-free gains p.a.
Invest now

ISA

    Highlights
  •   Start from £100
  •   Up to £20,000 p.a. tax-free
  •   Transfer existing ISAs easily
Invest now

SIPP

    Highlights
  •   Start from £10,000
  •   Up to 45% tax relief
  •   Zero SIPP costs
Learn more
Use cases

Name: Stewart & Jayne R.; From: Leicester; Account types: ISA

Stewart and Jayne both have ISA accounts, and use Bricklane.com as an alternative to peer-to-peer lending and high interest accounts, to earn hassle-free property returns.

The tax benefits are great, the company is backed by big names and has helpful staff, in short a great service that my wife and I have recommended several times”

Name: Harry C.; From: Kingston-upon-Hull; Lives: Highbury; Account type: ISA.

A Bricklane ISA is helping Harry to reach his first home savings goals faster.

Investing with Bricklane.com means that my savings mirror the property market, and I get rental income and house price growth, which will help us buy sooner, hopefully by the end of next year”

Name: Duncan M.; From: Lambeth; Account type: ISA

Duncan’s ISA account enables him to earn tax-efficient returns from property — without putting all his eggs in one basket.

Bricklane.com ticks all the boxes. Returns mirror the property market rather than losing value as cash, and I still earn returns from house price increases and rental income, without being tied to one property.”

Why invest with Bricklane.com?

Learn more

Earn real property returns

Our funds only contain residential properties — no commercial, no corporate overheads. Investors’ returns actually reflect rent and property price changes, without the volatility of equities markets.

Simple and transparent fees

We charge straightforward fees, and withdrawals are always free. Our fees are 30% lower than property funds and 17% cheaper than active equities funds over the course of a 5 year investment. More on our fees.

Powered by property intelligence

Compass, our proprietary data analytics platform, supports our expert property team in selecting properties for the portfolios, and shaping our overall strategy.

Strong returns from both portfolios

Both funds have made strong returns for investors to date. The Regional Capitals fund returned a total of 16.0% since September 2016, while the newer London fund has returned 10.4% since July 2017. Learn more about these figures

Creating a fairer market

We are committed to making the rental market work better, offering tenants fairer, more stable contracts that enable them to feel at home.

Make money tax-efficiently

The most tax-efficient way to invest in UK residential property. Through ISAs or SIPPs, combined with REIT status from HMRC, investors pay no tax on property gains or income.

Don’t just take our word for it…

City A.M. Leap 100 Winner

Allow[s] anyone to participate in the housing market

I love earning rental income without needing to manage tenants

★★★★★  — Adam, Trustpilot

Allow[s] individuals to invest in the property market with as little as £100

Financial Times: 10 Companies to Watch

Impressed with the customer service and returns

★★★★★  — Alice, Trustpilot

[Bricklane’s] ISAs offer tax-free returns on investments

Customer service is so far the greatest [among] similar platforms

★★★★★  — Pegs, Trustpilot

Startups 100 2017 Winner

Allows people to invest their pension in bricks and mortar with zero administration fee

Bricklane is a great way to invest money and move forward in the property market

★★★★★  — Toby, Trustpilot

Tax-efficient investments in portfolios of residential property

See more Press or Reviews and awards

 

You might find our How it works page useful.

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.com, 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.com 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.com. 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.

 

Your savings are invested in funds of properties, owned by you and other Bricklane.com 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.com, 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.

 

Bricklane.com has two funds with different geographical focuses. When you invest into each fund, your investment is spread across properties held in the relevant area, and kept separate from the other fund.

The first fund we launched is focused on the Regional Capitals of Leeds, Manchester and Birmingham. The second fund is focused on London and its surrounding areas.

Each fund buys quality properties in the relevant areas (you can find out more about our criteria below) and provides a great service to tenants.

Historically, property in the Regional Capitals has delivered returns more focused on rental yield than price increases, with London delivering returns through strong price growth and lower rental yield. However, past performance is not a guide to future returns. Find out more about our London or Regional Capitals funds.

 

An ISA (Individual Savings Account) is a tax efficient way to save. UK residents can invest up to £20,000 (in the 2018/19 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.com 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.

 

Yes. 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.com customer and wish to transfer in an ISA, please login and generate your ISA Transfer form from your Dashboard.

 

Bricklane.com’s property portfolios (London and Regional Capitals) have been certified as Shariah compliant. The funds have no long-term debt financing, and the only revenue stream is residential rental income, which is not prohibited by Shariah rules.

Learn more, or download our certificate.

 

As with all investments, investing with Bricklane.com 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).

 

Bricklane.com customers’ security is our top priority.

We use the same level of encryption as major banks, transfer data through 128-bit SSL encrypted channels, and keep any stored data on servers stored in secure facilities.

We protect the privacy of your information and will never share your data with any third party without your permission (for more information, please review our Privacy Policy).

More questions? Visit the FAQ page

Past performance and forecasts are not reliable indicators of future performance. Net yields represent an estimated 5-year average rental yield, net of property costs, fees and taxes. Actual yield performance may be higher or lower. Tax rules apply and may change in future.

Fund performance shown net of Bricklane.com’s annual management fee, but gross of transaction fee. Bricklane.com’s standard transaction fee is 2%.

Over the course of a three year investment, the standard transaction fee would have an annualised impact of c. -0.7%. The full transaction fee is charged investment - these figures are shown for illustrative purposes only. Impact would be lower for longer-term investments, and higher for shorter term ones.

Capital at risk

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. If you are unsure about whether investment is right for you, you should seek independent advice before investing, including tax advice.