No. All investors get investment exposure to all properties the fund owns. By choosing different property types across a variety of locations with a large number of tenants, Hearthstone’s highly experienced team is able to manage the investment risk for investors. We are specialists in residential property investment and through close relationships with estate agents and housebuilders, and careful property selection and management, we aim to secure the best properties at the lowest cost to offer attractive, stable investment performance. 

Most of the fund’s properties are rented by normal people like you and me. Some are single, some are couples – with and without families. A few of the properties are still used as show homes by housebuilding firms, so those are rented from the fund by the builder.

Legislation for this type of fund means property valuations have to be carried out by an independent valuer. They visit every property at least every 12 months and provide a valuation following that physical inspection. For the other 11 months of the year, the independent valuer provides a ‘desktop valuation’ – meaning that they refer to their last physical inspection and update the valuation according to information they have on properties being bought and sold in the local area. However, property valuation is ultimately a matter of opinion rather than fact. In other words, you can’t guarantee that the price it is valued at will be the price it is sold at.

A selection of the properties can be found here 

The fund’s Property Investment Adviser, Hearthstone, searches for locations offering good rental demand as well as an active re-sale market. We use data from a leading housing research consultancy, and through our strategic partners, Touchstone and Connells Group, we also have access to the trends in rental performance of over 20,000 managed residential properties as well as “grass roots” sales and lettings data from over 500 estate agency branches. Hearthstone’s property team has many years’ experience, and vast professional connections with house builders and developers in order to source suitable properties for the fund. Our  purchase strategy includes: Diversifying the portfolio range with mainstream homes across the UK Typically 2 to 4 bedroom homes or apartments in low rise buildings Preferring to invest in clusters of home from an established quality builder to keep maintenance and valuation costs lower. We are also better placed to negotiate strong discounts Focusing on towns/cities with good infrastructure such as proximity to transport links, leisure facilities, green space, key worker employers and good schooling Identifying homes we wish to keep for the long-term to maximise rental income return and lessen the cost of selling