Skip to main content


  • FAQs
  • How does the WealthKernel portal work?

How does the WealthKernel portal work?

  • Do I have to be a UK citizen to invest through the online portal?

    Yes. The online portal provided by WealthKernel only accepts customers over the age of 18 who live in England, Scotland, Wales, Northern Ireland, or the Channel Islands. You will be asked to provide a valid National Insurance number during signup. Note that you should only open a Stocks and Shares ISA if you are resident in the UK and have not opened one this tax year. Otherwise please open a regular account.

    If you’re unable to invest via the online portal, you may still be able to invest through a third-party platform or through your financial adviser. You may also contact us for an application form to invest directly into the fund. 

    TM home investor fund does not accept US citizens, regardless of the potential method of investment

  • Do you have a minimum investment?

    You can invest from as little as £100 through the WealthKernel portal.

  • How do I add funds to my online account?

    You can add funds at any time by clicking the “Add funds” button on your account summary page within the WealthKernel portal.

  • How can I track and manage my investment?

    You can track your performance at any time by visiting the summary page within the online portal powered by WealthKernel.

  • Can I automatically reinvest dividend income?

    The portal only offers ‘accumulation’ shares, so all income is automatically reinvested and is reflected in the value of the shares you hold in TM home investor fund. 

  • How do I withdraw my available funds?

    You can apply to cash-in some or all of your investment on any UK business day from your account dashboard when you're logged into the WealthKernel portal. Under normal circumstances, the money will be cleared into your bank account five business days later. 

    The fund aims to hold 10% to 15% of assets in cash to cover withdrawals and also has a stream of rental income that can be used to meet withdrawals in the short term. Note that in unusual market conditions, there may be a delay in withdrawing money if properties need to be sold. For more information, see this page 

  • How do I close my online account?

    You can request to close your account via the live chat within the client portal. WealthKernel will contact you to confirm your request before starting the process of closing your account. It can take up to 10 working days to complete.

  • What information will I receive after investing online?

    After you have invested through the online portal, Hearthstone works with WealthKernel to ensure you’re kept up to date with the fund’s progress. You will receive regular email updates, and there is a chat service for further questions. Should you wish to opt-out, please check your settings dashboard to manage communications.

  • +

    Looking to retire?

    The TM home investor fund can provide returns which are less volatile than stock market investments, with the option to draw down capital as you need it.

    Find out more

    Saving for your first house?

    TM home investor fund invests in real 'bricks and mortar' properties, so it can give your savings a chance of keeping pace with house prices.

    Find out more

    Get your child on the property ladder

    Over the long term, cash based savings often don't keep up with house prices. That's where TM home investor fund is different because it actually invests in the UK housing market.

    Find out more

    Diversify your investment portfolio

    Whether you're an existing or potential buy-to-let investor, TM home investor fund can help spread the risk of your investment portfolio.

    Find out more

    Start growing your investment today!

    Now it’s simple to invest in residential property online in a tax-efficient ISA. Start today and make those savings goals a reality.

    Get Started
    Start growing your investment today

    You are now being re-directed to WealthKernel