A Home for your Savings

Property ISAs are the smart new way for everyone to benefit from the property market

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Start from £100
Zoopla Trusted Partner
Bank-grade security

How it works

Invest
Invest in a fund of expertly chosen homes, tax-free, with a Property ISA
Grow
See your money change with the properties’ value, and earn rental income
Withdraw
No notice period — exit by selling your shares to another investor
 

As with all investments, the value of your Bricklane.com 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.

One investment, multiple properties

Your investment is automatically spread across all properties as they’re added

  • ✓ New properties added regularly
  • ✓ Expertly chosen for you
  • ✓ Independent monthly valuations
Regional Capitals fund

100+ years of property expertise

From the highest levels of the industry

Learn more

London

Coming soon

What would £4,000 invested in a Property ISA 5 years ago be worth now?*

High St. Bank Cash ISA
£4,366
1.8% /year
 
Bricklane.com Property ISA
£5,485
6.5% /year
Capital at risk
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Bricklane Regional Capitals fund, featuring properties in Manchester, Birmingham, and Leeds. Figures shown after all taxes, fees and costs have been deducted.

 

This calculation is a simulated historical performance. Past performance is not a reliable indicator of future performance. Bricklane.com calculations based on the following assumptions. Investment applied equally across Central Leeds, Birmingham and Manchester. House price growth based on data from Zoopla area guides, accessed 30/08/2016. Gross rental income based on current average sales prices and rental listings of 2 bed flats in each area, with property related costs at 30% of rental income. 10% of Bricklane.com investments held in cash, with a return of 0.5%. Assumes all investments are held in an ISA, and normal Bricklane.com fees apply.

The UK’s first online property ISA

Hop on to the first rung of the property ladder

Property ISAs offer tax-free returns on investments

Saving for a home shouldn’t be an uphill struggle

A typical first time buyer could buy a property four years sooner when saving with Bricklane.com^

Investments keep up with house prices, and receive rent on top, meaning people can keep pace with the market while they save, rather than falling behind

 

Projections are never a perfect predictor of future performance, and unlike with a Cash ISA, your capital is at risk. The projection includes the effect of fees and assumes income is reinvested.

Assumes customer is aiming for the average UK first home at £200k, with a deposit requirement of 17% (Halifax, May 2016), with £3,300 acquisition costs and stamp duty. Customer has £10k of existing cash to invest, and has a recurring payment of £250/month.

House price growth at 3% per year. Gross rental income of 5%, with property related costs at 30% of rental income. 10% of Bricklane.com investments held in cash, with an interest rate of 0.5%. Rental inflation set at 3% per year. Property transaction costs offset by purchasing properties at below market value. Assumes all investments are held in an ISA, that the fund receives REIT tax status, and normal Bricklane.com fees apply.

Cash ISA returns are determined by reference to data from Bank of England cash interest rate data accessed in August 2016, and current premium of ISA rates. Rates beyond ten years are assumed to equal the ten year rate.

Simple, low fees

2% Platform fee + 0.85% Annual management fee

For every investment of £100.00
Invested £98.00
Platform fee £2.00
+ Management fee (monthly) 7p

…with two ways to fund your account

Debit card

Get started with just £100 by adding a debit card to your account.

There is no maximum investment size, and you can set up a monthly investment amount easily during signup, or after you have joined.

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ISA Transfer

Easily transfer existing ISAs into property, in a few.

We handle all communications with your existing ISA supplier, and are always on hand to answer any questions you may have.

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Get started with Bricklane.com

By joining Bricklane.com you agree to our Terms and Privacy Policy

Already a Bricklane.com customer? Log in

 

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, action your payment, and invest your money in Bricklane.com's 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). You invest in a fund (a plc classified as a Real Estate Investment Trust or REIT) that owns houses and flats. The properties are let to tenants and professionally managed on your behalf.

Over time, the value of Bricklane.com customers’ investments tracks movements in the properties owned, plus rental income is earned on top.

Once invested, customers can view the performance of their investment from their dashboard when logged into Bricklane.com. From there, customers can add more funds, 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 a fund of properties, owned by you and other Bricklane.com customers and let and managed on your behalf. In the long term, the price of your shares 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 investment 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, the fund may choose to downsize and buy your shares back from you. If there are no funds available for this purpose, the fund would sell property in order to generate them, which is the reason we make reference to 'the time it takes to sell a property, or longer'.

 

An ISA (Individual Savings Account) is a tax efficient way to save. UK residents can invest up to £20,000 (in the 2017/18 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 investment ISA-eligible, 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.

 

We look for properties that renters will love, and that we would aspire to live in ourselves - homes with character in great areas.

We will consider both new build and existing properties in areas with strong local economies, vibrant cultural and a real sense of community, within easy commuting distance of the city centres.

Through our expertise in residential property and smart, proprietary data modelling, we make sure we only target the best areas, with strong rental demand and potential for price rises.

All Bricklane.com’s property is available online for our customers to explore whenever they want.

Learn more about our experienced real estate team.

 

As with all investments, investing with Bricklane.com carries risks.

The value of your Bricklane.com 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.

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.

 

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

Capital at risk

As with all investments, the value of your Bricklane.com 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.