Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong.
1. Your capital is at risk
Property investments can fall as well as rise in value. You may get back less than you invest, or lose the entire amount. Past performance is not a reliable indicator of future results.
2. Returns are targets, not guarantees
Any target ROI, yield, IRR, cash-on-cash or coupon figure shown on this site is a projection based on our underwriting assumptions and is not a promise or guarantee of return.
3. Illiquidity
Property is illiquid. You will typically not be able to withdraw your capital until the project completes or is refinanced. Exit timelines can slip due to market conditions, planning, construction delays or tenant issues.
4. No FSCS protection
Proinvestos Ltd (trading as Vestos Property) is not authorised by the FCA. Investments arranged through this site are not covered by the Financial Services Compensation Scheme (FSCS) and you will not be able to complain to the Financial Ombudsman Service.
5. Concentration risk
You should not invest more of your net investible assets in high-risk investments than you can afford to lose. As a rule of thumb, most investors should limit exposure to less than 10% of their net investible assets.
6. Specific risks
- Construction / refurbishment overrun and cost inflation.
- Void periods, tenant default, changes to short-let regulation.
- Changes to interest rates, mortgage availability and refinancing terms.
- Changes to tax, SDLT, ATED and landlord regulation (including the Renters' Rights Act).
- Counterparty risk (builders, letting agents, joint-venture partners).
7. Take advice
If you are unsure whether an investment is right for you, seek independent financial advice from a firm authorised by the FCA.