Standard account

Earn property returns without the hassle of direct ownership

Experience our most flexible account for general investing

Capital at risk

Investments are made through shares in REITs. Tax rules apply to you and may change

Already used your ISA allowance this tax year? Open a Standard account today

Our portfolios benefit from tax-efficient REIT status. Qualifies for a £12,000 tax-free allowance on gains

Your investment may be subject to personal tax on income


The only difference with investing in Bricklane via an ISA compared to a Standard account is the tax liability on your earnings. Returns and fees are all the same.

  • Customers investing via an ISA pay no tax on their earnings.
  • Customers investing via a Standard account may be liable to pay tax, depending on their personal circumstances.

Whilst Bricklane cannot give tax advice, the following information may be helpful:

Bricklane customers can earn a return in two ways:

  1. Change in property value (known as capital gains)
  2. Rental income (paid out as a quarterly dividend)
1. Capital Gains

If you sell your shares for an amount that is greater than that which you purchased them for, you may have to pay Capital Gains Tax on the gain.

UK taxpayers receive an annual tax-free allowance on Capital Gains Tax - this is £12,000 for the 2020/21 tax year i.e. annual capital gains below £12,000 will not be subject to Capital Gains Tax. This may vary in future tax years.

2. Dividends

Since the funds are both classified as a REIT, dividends are split into two parts:

  1. Income generated from property rental
  2. Non-property income

If you invest via a Standard account, profits from the property rental income are paid to investors after a 20% tax deduction, which the REITs pay to HMRC. For UK resident individuals who complete tax returns, the property income dividend from a UK REIT is included as 'Other income' on your tax return.

Non-property profits e.g. interest earned on the cash held in the fund, are treated like a dividend on any Standard investment account. There is a £2,000 annual tax free dividend allowance for dividends paid in the 2020/21 tax year. Income tax is payable on dividends in excess of £2,000 pa.

Please note that all allowances and rules referred to above are subject to future change, and the above does not constitute tax advice.

Invest now and pay 0% investment fee

Zero investment fee

We’ve removed investment fees for all investors, and all account types (terms apply).

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.

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

Capital at risk

As with all investing, your capital is at risk. You may not be able to sell your investment within a reasonable timeframe. Investments are made through REITs. Rental yields and dividends may be lower than estimated.

You should note that tax treatment depends on the individual circumstances of each customer and may be subject to change in 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.