British Pearl is the first property investment platform to offer both share and loan investments in individual properties. Investors can buy shares in properties they select and can also be mortgage lenders in their own right. When making loans, investors receive a fixed interest rate of up to 4.4% p.a. paid monthly. Their capital is secured with a first charge against the property just like a high street mortgage. With Loan-To-Value ratios of between 50% and 70%, investors can expect a safe source of income.