Housemartin

Product: Fractional equity in UK supported living and social housing properties via SPVs, with monthly rental distributions and potential capital growth from property valuation changes.

Minimum: £1 per unit.

Fees: The platform advertises no platform, commission or trading fees for buying and selling on its Exchanges. Other fees (management, administration, exit, FX spreads) are not clearly disclosed in third-party sources and should be confirmed directly with the platform.

Returns: Housemartin's website displays advertised AERs (for example, 'up to 7.59%'); these are platform-stated headline rates and should be treated as illustrative rather than guaranteed. No comprehensive, independently audited historical return series or default-rate dataset is publicly available.

Tax wrappers: Availability of IFISA or SIPP wrappers is not documented in the provided research and should be verified with the platform.

Housemartin is suitable for retail investors seeking exposure to UK property equity with a low monetary entry point and who accept the risks of: limited liquidity, property valuation volatility, operational risks at the property/SPV/operator level, and no FSCS protection for these equity investments.

The platform's social-impact focus (supported living) may appeal to investors prioritising impact alongside potential income.

Strengths:

• Low minimum (£1) widens access to property exposure, lowering the monetary barrier to entry for small investors and allowing portfolio diversification at small sizes.
• Social impact focus — partnerships with charities and housing associations for supported living provides an impact angle that may attract ethically minded investors and may align investments with stable tenancy arrangements.
• Secondary market exists and the platform advertises no trading fees, which can improve the theoretical ability to exit holdings compared with strictly buy-and-hold models, though buyer demand is the limiting factor.
• FCA-authorised — Housemartin Property Limited is directly authorised and regulated by the FCA (FRN 668931), providing regulatory oversight.

Risks and limitations:

• No FSCS protection: investments in property equity on the platform are not covered by the Financial Services Compensation Scheme.
• Limited public performance data: no independent, audited long-term track record or default-rate data was found, making it harder to assess risk-adjusted returns historically.
• Liquidity risk: secondary market liquidity depends on other investors; in thin markets or stressed conditions exit may be delayed or require price discounts.

• Clone/impersonation warning: the FCA has published warnings about clone firms using the Assetz name and similar digital contact details — confirm you are using the official site and contact details.
• Limited publicly available audited performance data and default statistics for the platform; treat headline AERs as illustrative and request historical performance and property-level data directly from the platform before committing capital.
• Fee transparency: while secondary-market trading is advertised as fee-free, other fees are not clearly documented in third-party sources — request a full fee schedule and examples of net returns after fees.

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