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  • FAQs
  • Regulation, Security, Data

Regulation, Security, Data

  • Is TM home investor fund FCA authorised?

    TM home investor fund is authorised by the Financial Conduct Authority (FCA) as a Non-UCITS Scheme (NURS).

  • How does the online investment legal contract work?

    To invest in TM home investor fund through the online portal, you will enter into a legal agreement with WealthKernel and their custodian bank, Winterflood. WealthKernel will facilitate the investment portion of this process and Winterflood will facilitate the safekeeping. This means Winterflood are responsible for holding your cash and investments safely. The two are separated for enhanced safety of your cash and investments. In addition to being regulated by the Financial Conduct Authority (FCA), Winterflood is part of Close Brothers Group, who have been trading for more than 130 years. 

    The full terms and conditions for investing through the online portal, powered by WealthKernel, are available to view at

  • What happens to my investment if Hearthstone stops operating?

    The Authorised Corporate Director (Thesis Unit Trust Management Limited) and the Depositary (NatWest TDS) will decide how best to proceed to protect everyone’s investment in the fund, and whether to appoint an alternative Property Investment Advisor. If the fund is unable to meet its obligations to investors, you may be able to claim for any financial losses under the Financial Service Compensation Scheme, more details of which can be found at 

  • Who audits the fund’s accounts?

    The fund’s auditor is Grant Thornton UK LLP, 30 Finsbury Square, London EC2P 2YU

  • How secure is the WealthKernel portal and my account?

    WealthKernel considers the security of your personal information to be of the utmost importance and they take several measures to ensure it is kept safe.

    Any information you provide them is transmitted using secure SSL technology with 256-bit encryption. Where they store sensitive information, such as passwords and bank account numbers, they use strong encryption algorithms similar to those used by the major high-street banks.

    They also insist on a minimum password length and require you to use upper case letters, numbers and special characters in your password to make it more secure.

  • What do Hearthstone and WealthKernel do with my personal data?

    Hearthstone and WealthKernel both collect and hold your personal data separately.

    WealthKernel uses your personal data to arrange investments into the TM home investor fund. For example, this means sharing your personal details with a custodian bank to arrange the safekeeping of your investment. From time to time, WealthKernel will also facilitate information and promotional communications on behalf of Hearthstone. You will be given the option to manage these communications in the WealthKernel portal.

    Hearthstone, for example, will use the personal data you provide through the 'contact us' page to provide the information you have requested.

    This website also places cookies on your device which  are used to collect information in an anonymous form about how visitors use the site. We use the information to compile reports and to help us improve the site.

    Terms and conditions and information on data privacy can be found here for Hearthstone and here for the WealthKernel portal.

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    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.

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    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.

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    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.

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    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.

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    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.

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    Start growing your investment today

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