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How it works

You find a property that you want to invest in

We aim to source the best property deals so you don’t have to. All of the Piggyback investment properties have been handpicked by our team following extensive research and in accordance with our strict criteria, so you can be confident about the investment opportunities we offer and pick a property that is right for you.

Invest with the crowd

Your investment is completed through our secure platform and your money is safely held by a regulated third party custodian in a client account until the property is fully funded. We accept investments in increments of £1,000, in exchange for which you will receive shares in the property. You can check the performance of your investment portfolio by logging into your Personal Property Portal at any time, day or night.

Share in the returns

We manage your property investment for you, from finding tenants, carrying out inspections, supervising contractors and repairing boilers. Any returns are paid out to you as monthly dividends, based upon the shares you own. The amount you receive is dependent on the property you choose, the amount you invest and the tenancy secured.

Sell your share

Every property has a defined investment period. At the end of this period, the property is sold and you receive your share of the proceeds, including any capital gain from the sale. If you wish to exit before the end of the investment period, we will assist in finding another investor to buy your shares in the property. The sale of shares is contingent on finding a willing buyer at the desired price.

Risks

All investments involve risk, including the total loss of the capital involved. Property investments include some specific risks detailed below.

1. Loss of Capital Investment

Property prices can go down as well as up and different property types or those in different areas may be more or less susceptible to reduced or negative growth. By investing in property, there is a risk that you may not get back what you put in if property prices fall. You should not invest more money through the platform than you can afford to lose without altering your standard of living. Investment on Piggyback Property is not covered by the Financial Services Compensation Scheme.

2. Illiquidity

Any investment you make through the platform will be highly illiquid. There is no active secondary market for the shares of the investee company. This means that you are unlikely to be able to sell your shares until and unless the investee company is sold or the property is sold at the end of the investment term.

3. Rarity of Dividends

If a property receives rent this will be paid to the investors as a dividend net of any fees, costs and expenses. However, should a property not produce rent, or the rent be insufficient to cover the costs and expenses of operating the property, no dividends will be paid and you will be unlikely to see any return on your investment until the property is sold.

4. Diversification

Investing in property and unlisted shares should only be done as part of a diversified portfolio. This means that you should invest relatively small amounts in multiple businesses rather than a lot in one or two businesses. It also means that you should invest only a small proportion of your investable capital in startups as an asset class, with the majority of your investable capital invested in safer, more liquid assets.

5. Tax

You will be responsible for the payment of your own tax which may include capital gains and/or income tax. We do not provide tax advice and you should seek independent tax advice before investing if you are unsure of your position. It is still your responsibility to ensure that your tax return is correct and is filed by the deadline and any tax owing is paid on time. If you are unsure how this investment will effect your tax status you must seek professional advice before you invest. Each company you invest in will be liable for, and pay, corporation tax and any returns you receive will be paid to you net of any corporation tax due.

6. Past Performance

The value of property may go down as well as up and you may not get back the full amount you invested. You should not consider investing unless you can afford a total loss of your investment. Past performance is not a reliable indicator of future results.

7. Future performance

Any projections of future performance are based on the internal calculations and opinions of Piggyback Property and are subject to change at any time. Forecasts are not a reliable indicator of future results and should not be relied on.

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