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Knowledge center

 
About RealtyBundles
What is RealtyBundles’ mission? RealtyBundles is a crowdfunding investment marketplace for real estate portfolios. Our mission is to provide investment at a distance with reduced risk
No single point
of assets failure
in a diversified portfolio, the underperformance of any single asset is compensated for by the remaining assets in the portfolio
and improved success. Our marketplace connects investors with real estate portfolios from agencies located all over the world. We provide a transparent service, conduct evaluations of our deals, and supervise agencies’ activities. Using our services, investors can browse, select, invest, and manage their account. 
What is RealtyBundles’ investment model? The RealtyBundles crowdfunding platform offers equity and debt-type investments. The real estate properties that form our Property Bundles are purchased by a special purpose vehicle (SPV) in which investors buy shares and bonds. As a result, investors are joint owners of the portfolio’s assets. The real estate agencies are the service providers who manage the assets so they generate a return, based on the performance of the bundles' assets What services do RealtyBundles provide? RealtyBundles provides services to both investors and real estate agencies by bringing them together in the one marketplace. RealtyBundles selects and supervises real estate agencies and controls the process of buying and selling properties, making sure assets are bought below their market value. We also monitor and control renovations and the day-to-day activities of the agencies, ensuring properties are kept in a good condition, and organise periodic asset evaluations. As a result, investors get turnkey bundles to invest in, and benefit from hassle-free and diverse investments. What regulation and legislation do RealtyBundles comply with? RealtyBundles CFP Limited is an appointed representative of Resolution Compliance Limited, which is authorised and regulated by the UK’s Financial Conduct Authority (FRN: 574048). For more information please visit https://resolutioncompliance.co.uk/
Bundles&Properties
What are Property Bundles?The key innovation of the RealtyBundles service is the concept of Property Bundles. Property Bundles are a curated set of real estate assets grouped together for investors as a single investment package. Property Bundles contain properties brought to the platform and managed by local real estate agencies. Property Bundles can be as small as a single property or as large as hundreds of properties. A Property Bundle can have characteristics such as containing properties in specific or diverse locations, commercial or residential properties, long or short-term rentals, historical or new buildings, and more. Property Bundles provide investors with diverse investment options in a single investment vehicle. What benefits do Property Bundles provide investors? How are properties selected for inclusion in Property Bundles?The real estate agencies that provide services for the Property Bundles are constantly searching for and proposing real estate deals. We engage real estate experts and certified evaluators to analyse the profitability of the proposed real estate deals. The Bundle Manager will select and offer what they deem to be the best assets to shareholders.
Investors markets
USA investors?Unfortunately, we do not currently support investors from the USA. European investors? We support investors from all EU countries, including the UK. The rest of the world?If you come from outside the EU, the local laws, rules, and regulations of your country will determine whether RealtyBundles can support you as an investor.
 
Investment Vehicle and Process
What is the investment process? You can become an online investor in just a few minutes. To make your first investment you will need to complete the following steps:
  • Complete the registration process by categorising yourself as one of the applicable investor types, completing the investor quiz and then providing the anti-money laundering (AML) and know your customer (KYC) documents requested.
  • Browse and select a Property Bundle to invest in.
  • Decide on the amount you would like to invest and pay through the RealtyBundles platform using the MangoPay custodian system (www.mangopay.com).
  • Within 5 business days you will receive the Share Certificate and Bond Certificate to your e-mail address.
Why do investors have to provide AML and KYC documents? To comply with regulatory requirements, investors must complete an identity verification check, which includes AML and KYC processes. This is required by the Financial Conduct Authority (FCA) for all investors. What is a share and bond certificate? After the investment completes, we will send investors share and bond certificates to their registered email. The certificates will specify the number of shares and bonds they have purchased, their purchase values, and the main attributes of the investment.
What securities do investors get when they invest? The investors are granted with both shares and bonds in the SPV that owns the Property Bundle assets. SPVs may have different ratios of shares and bonds based on their respective policies and management decisions. Why provide both shares and bonds?  By offering both shares and bonds, we can provide you with a better service. Shares are an equity-type investment and provide investors day-to-day control over strategic decisions. In contrast, bonds are easy to deal with and allow us to sell assets so we can buy back your bonds from you should you wish to sell them. Additionally, the interest paid on bonds is an expense and reduces the corporation tax payable by the SPV, thus increasing your net income.
Realizing the Investment
How can I exit my investment?  We are very proud of our average selling time, which is less than 10 working days. After a minimum investment duration of 180 days, investors can indicate in their account which investments they wish to sell. The SPV will act as an agent and match the securities (shares and bonds) you want to sell with buyers on the secondary market for their market value. We also offer an additional exit option: the SPV can offer to buy back your securities using SPV money. Please note that we will deduct a 0.5% transfer fee, to be paid to Company House, when you sell your shares. 
What is the minimum investment duration?  The minimum investment duration is 180 days.
How do investors make a profit?  Bundle Managers work closely with local real estate agencies to create value for investors. Investors can benefit from rental yields, flipping and renovation gains, appreciation in property values, and from buying properties below their market value. Please note, income and/or capital growth are not guaranteed unless specified otherwise, and investments may result in losses. We strongly recommend investors diversify their investments and consult an independent financial advisor if unsure.
Do investors receive dividends or debentures?  For each Property Bundle, the decision to distribute dividends or debentures is made by the SPV Directors. The Directors may occasionally develop a dividend plan that will be sent to shareholders for their review and approval via an email voting system.
Fees and Taxes
Investor fees We charge a service fee of 2.5% of the investment plus VAT for arranging deals between the investor and the SPV. This is the only direct fee investors are charged (additional SPV fees are charged by the SPV for the day-to-day operations of the Property Bundles). SPV fees We only charge SPVs success-based fees. If investments do not perform, no fees will be paid.
  • Promotion and regulation fees: the SPV will be charged a success-based promotion fee to be paid at a rate of 3.5% of the investment plus VAT from any invested money. An asset management fee will be charged for managing and supervising the partners and their asset management on behalf of the investors. This fee is 8% + VAT of actual received gross rental income.
  • Buying and selling fees: a success-based fee is charged for working closely with the agencies and supervising the sales and purchases of properties in the bundles. We charge 3% of the gross purchase/sale price for purchases and 1% for sales (plus VAT). Finally, a property renovation fee is charge for creating value for investors via planning and controlling renovations. This fee is 15% plus VAT of the renovation costs.
 
Glossary
What is Property Bundle Liquid Cash Value? Property Bundle Liquid Cash Value is the current amount of cash and other cash equivalents in the applicable Property Bundle, including but not limited to rents, investments, and other profits related to the properties within the bundle. What is Property Bundle Monetary Commitments? Property Bundle Monetary Commitments refer to all the monetary commitments of a Property Bundle, including but not limited to the tax to be paid, commitments and debts to third parties and sellers, mortgages, loans, leases, fees, salaries, and bond debentures to be paid to shareholders. What is Property Bundle Share Value? Property Bundle Share Value is the sum of all Property Share Values for all properties in the applicable Property Bundle plus the Property Bundle Liquid Cash Value and the Property Bundle Receivables, minus the Property Bundle Monetary Commitments. What is Property Fair Value? Property Fair Value is the Property Market Value of the relevant property minus its monetary commitments and plus any set-up costs related to the property. What is Property Market Value? Property Market Value refers to the value of a property as reported by a property valuation performed periodically by one or more external certified real estate experts. What is Property Set-Up Cost? Property Set-Up Cost is a fixed value calculated when a property is included in a Property Bundle and equals the sum of all actual costs paid by the SPV to include the property in the Property Bundle after the Property Market Value is deducted. The Property Set-Up Cost includes but is not limited to the purchase price for the property, tax and transfer costs, renovation costs, legal fees, agency fees, promotion and regulation fees, and other necessary professional services fees. What is the Property Set-Up Cost Reduction Procedure? According to the Property Set-Up Cost Reduction Procedure, the evaluated Property Set-Up Cost will be gradually deducted over time. The full Property Set-Up Cost is applicable at the time the property is included in the Property Bundle, and a reduction in this cost will be accounted for over time so that after five years from the inclusion of a property in the Property Bundle the Property Set-Up Cost will be zero. What is Property Share Value? Property Share Value is the Property Fair Value minus the mortgage, loan, and lease commitments related to a property.
 
 

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