Brickowner Analysis

Brickowner is a fairly new property crowd investment site in the United Kingdom. With GBP 100, you can own a portion of property investment in the UK. The fascinating thing about Brickowner is that they are investing in commercial real estate ventures that small investors may not have access to under normal circumstances. They serve as an aggregator of investors' funds and, with these funds, they invest in sections of major property development ventures. The estimated return on investment starts at about 8% and goes up to 20% per year. The usual investment cycles range from 1 to 5 years.

Key Points

  • Invest in real estate growth ventures at the institutional level
  • Returns from 8 to 20 percent
  • Loan terms of 1 to 5 years
  • Required commitment of GBP 100

Can you invest with Brickowner?

Anyone in the world (with the exception of US residents) may sign up for Brickowner. If you want to make an investment, you'll be asked for proof of identity (passport or ID card copy).

How do you finance the account?

You 're going to need to finance your account either by bank transfer or debit card. Credit cards, like Revolut's cards, don't work.

What's the security of investments?

Brickowner is approved and regulated by the UK Financial Conduct Authority (FCA). So far, the UK is the only country in the EU that has unique regulations on crowdlending and crowdfunding, while the others have common laws that apply to crowdlending platforms as well. Your investments are kept separate from Brickowner in a UK limited company (Special Purpose Vehicle) specifically built for this form of investment. This means that if Brickowner goes bankrupt, your investment will be handled by another company and your investment will not be tied to Brickowner. The money you have in your account is deposited in a separate online wallet by MangoPay, an electronic money institution in Luxembourg. The biggest risk, though, is the actual investment you make in the real estate project. In investment documents, each asset is rated at a risk level of 1 to 7 based on how illiquid the investment is and how much the resources can be influenced by market volatility.

Are there any fees applicable?

Brickowner notes that each investment in property has its own separate fees. The only property I've invested in has a 3.5 percent investment charge and a 0.75 percent annual maintenance charge. No fee applies when you leave your investment.

Withdrawing Your Investment

You can only exit your investment at the end of the investment period. There is no secondary market or option to sell your stock to Brickowner.

Investing on the Website of Brickowner

There is no secondary market or auto-investment device, so the framework is very easy in this matter. You will see the latest and previously funded investments, pick the ones you're interested in, and dive deeper.

Conclusions on Brickowner

There's more to Brickowner than the eye sees. At first, I thought it was yet another UK crowdfunding site, but it turns out it's more than that. Like Property Partner or British Pearl, other UK real estate crowdfunding platforms that I am participating in do not invest in small residential or commercial property, but participate as institutional investors in large ventures that I would usually not have access to and give higher returns. They have some very big fees, and they take it even though the investment is not profitable. On the other hand, British Pearl has a 20 percent success rate at exit, but only on the income you gain from the capital appreciation of the land. Property Partner has no exit fee. Also, the ventures I've seen so far only pay out to investors at the end of the investment period. There are no monthly or quarterly distributions paid that you can cash out or reinvest. Your investment has been locked down for the entire duration.

Brickowner main features and highlights

Bottom line
They have some very big fees, and they take them even though the investment is not profitable.
Fees: -
Min Deposit: $100
Target returns: 8-20%
  • Institutional Real Estate Development Projects

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