GetGround

GetGround is a UK property services platform that supports landlords and buy-to-let investors through company formation, accounting and cash management services. The company presents itself as managing over £3 billion of assets and serving 30,000+ investors on its website; these are company-stated figures and should be treated as such. GetGround's UK operations are carried out through several legal entities with different FCA registration categories: GetGround Limited operates as an Appointed Representative (AR) (FRN: 1005044); Terranova.Network Limited (trading as GetGround) is registered as an Electronic Money Directive (EMD) agent (FRN: 902747); and other GetGround group entities operate as Appointed Representatives of directly authorised firms for mortgage, credit-broker and other services. Company incorporation and some product terms are shown on GetGround's help pages (Terranova.Network Limited — company no. 11273793).

GetGround's core service is enabling property investment via UK limited companies (SPVs). Customers can register a company through the platform and use GetGround's services for bookkeeping, tax filings and corporate administration, and to hold rental income and expenses in a business account. The platform also offers an 'Investment Pot' (a General Investment Account) into which client company cash is placed and invested in a BlackRock money market fund (BlackRock ICS Sterling Government Liquidity Fund — Class Premier Accumulating GBP).

Regulatory note: several GetGround entities are Appointed Representatives, meaning they carry out some regulated activities under the permissions of a principal firm that is directly authorised by the FCA (for example, RiskSave Technologies Ltd for certain Investment Pot services). Terranova.Network Limited acts as an EMD agent of Modulr FS Limited for e-money/payment services and does not itself hold Electronic Money Institution authorisation. This structure affects who is directly authorised by the FCA and which permissions are held by which principal.

Primary services and features (summary):

• Company formation for property SPVs and ongoing company administration (registration, Companies House filings).
• Accounting, bookkeeping and tax filing services for limited companies, including support for Making Tax Digital (MTD) where applicable.
• Mortgage brokerage and remortgage services (provided through appointed/principal relationships).
• Property sourcing and analytics tools including an AI Property Analyser for deal analysis (company product claim).
• A business account/payment services provided through Modulr (Terranova as EMD agent) and an Investment Pot (GIA) invested in a BlackRock money market fund.
• Subscription tiers marketed as Basic (free), Core and Complete with varying service bundles; company pricing pages reference tiered monthly fees but some plan prices depend on number of properties and other factors.
• Transaction and currency fees for payments and exchanges (company-stated charges).

Investment Pot specifics: funds in the Investment Pot are invested into the BlackRock ICS Sterling Government Liquidity Fund (Class Premier Accumulating GBP) and are not covered by the Financial Services Compensation Scheme (FSCS) because they are client monies invested into a fund rather than deposits with a bank; GetGround and its principal firms provide the distribution/agent services for these products. The platform charges an Investment Pot fee (company-stated 0.9% annualised on balances — deducted monthly). Reported historical annualised yields have been published at points in time on GetGround's materials, but these should be treated as historical snapshots and not forecasts.

GetGround targets buy-to-let landlords and property investors who prefer to hold property through UK limited companies (SPVs). This includes domestic and international investors (the company states service to clients in 70+ countries) who want corporate administration, bookkeeping and cash-management arrangements combined with property tools. Why this matters: holding property via a company can have tax and liability implications that differ materially from personal ownership; investors should seek independent tax and legal advice before restructuring ownership.

Strengths:

• End-to-end operational service: GetGround combines company formation, bookkeeping, tax filings and cash management, which can reduce the operational burden on landlords who choose corporate ownership. This matters because administrative mistakes in company ownership can create tax and compliance headaches.
• Separate regulated relationships: some services are provided under principal firms that are directly authorised by the FCA (e.g. Modulr for payments; RiskSave for certain Investment Pot permissions), which places those specific services within FCA oversight when properly documented.
• Money market cash option: the Investment Pot invests in a BlackRock money market fund, which is generally used for short-term cash management rather than capital appreciation; it may offer higher yields than basic business deposit accounts in certain rate environments but is an investment rather than a deposit.

Risks / limitations:

• Appointed Representative model: several GetGround entities are Appointed Representatives; their regulated permissions come from principals. Investors should understand which firm is providing which regulated service and who is directly authorised by the FCA — this affects complaint routes and regulatory responsibility.
• No FSCS protection for Investment Pot: funds invested in the BlackRock money market fund are not covered by the FSCS; investors bear the investment risk of the fund and could lose capital in adverse scenarios.
• Market and property risks: buy-to-let property investments carry market, liquidity and tenant risks; GetGround's services do not remove these fundamental investment risks.
• Secondary market and exit liquidity: public information about any platform-run secondary market for company shares or SPVs is limited; investors should not assume there is an active, liquid exchange for selling SPVs listed or managed via GetGround unless explicitly documented.

Regulatory / complaints handling: GetGround publishes a complaints procedure and indicates routes to The Property Ombudsman and the Financial Ombudsman Service where applicable depending on the service and the authorised firm in the chain; investors should check which entity provided the service to determine the correct escalation route.

No regulatory enforcement actions or FCA warnings specifically naming GetGround or its named entities were identified in the supplied research material. Watch points identified in online forums and customer feedback include: occasional feature regressions following product updates, limitations or changes in business account functionality (for example, missing physical cards reported by some users), and inconsistent messaging about whether a single company can hold multiple properties (company guidance suggests it can, while some users reported lender restrictions) — these are practical issues rather than regulatory findings and should be investigated by prospective customers with specific lenders or advisers before acting.

Also note: there are minor inconsistencies in publicly cited company numbers and references for some group entities (for example two similar company numbers have been seen for GetGround Commercial Finance Limited). Prospective customers should confirm company details on Companies House and the FCA register for the most current information.