Question 1

What is the club actually trying to do?

Accepted Answer

Build the ability to complete, not another deal-finding site. Anyone can find a property - what kills a purchase made without a mortgage is everything around the deal: no funded buyer ready at the same moment, no trades you would trust with the refurb, no solicitor who has done it before, nobody local who actually knows the street. So the club assembles that first - verified buyers and partners, and a vetted power team in each outward postcode area - and then goes looking for deals.

Question 2

Why wait for member numbers before sellers and national deals open?

Accepted Answer

Because those numbers are simply the point at which an outward postcode area can transact. Without enough investors on the books and a power team in place, finding a deal we cannot complete is worse than not finding it - it burns the seller relationship we need for the next ten. The thresholds are a readiness test, not a gate on your money.

Question 3

So nothing happens until those numbers are hit?

Accepted Answer

No. We start where the network is already deepest: the outward postcode areas with the most investors and the strongest power team go first, and we prove the model there. Demand picks the order, not a countdown. Everything else - the marketplace, escrow-protected work, outward postcode area slots, introducer rewards - is live now.

Question 4

What am I getting on day one, before sellers open?

Accepted Answer

The network itself. Sourcers, builders, agents, solicitors and landlords who are speaking to vendors and landlords every single day - that is where deals actually come from. Members are in the room while it is being built: claiming an outward postcode area while it is still open, forming their power team, quoting for or posting escrow-protected work, and earning introducer rewards as the network grows.

Question 5

What does the vetting fee actually pay for?

Accepted Answer

The work of assembling the buying side: vetting members properly, building the outward postcode area power teams, and going out to find the investors and the off-market stock. It is a one-off £99 + VAT, not a subscription for a future promise, and membership is billed separately.

Question 6

What does “claiming my outward postcode area” mean?

Accepted Answer

It is a licence, not ownership: one member per profession per outward postcode area (the outward code, such as EN5 or E6). You can pick any UK outcode where your profession is still open, it shows as held on the live map, and work posted in that outward postcode area routes to you first. Slots return to the queue if a membership lapses.

Question 7

Is exclusivity really “for life”?

Accepted Answer

It is conditional, and deliberately so. Every job is rated by the client as part of the payment, and the pro rates the client back. Keep your rating above 4 out of 5 and the outward postcode area stays yours; drop below it and it does not. That cuts both ways on purpose - it keeps pros accountable for their work and clients accountable for how they behave and pay. Exclusivity is only worth having if it can be lost.

Question 8

What if the outward postcode area I hold turns out to be quiet?

Accepted Answer

You are not locked to a dead area. Your held outward postcode area can be changed from your dashboard while alternatives are still open, so you can move to where the demand and the investors actually are.

Question 9

What does “moving up in the queue” mean?

Accepted Answer

Only the order in which we send founding invites as outward postcode areas open. Every person who joins with your link moves you up 100 places. It does not buy priority on deals, better pricing, or any claim over other members.

Question 10

Is the club regulated? What about the FCA?

Accepted Answer

The club is deliberately set up to sit outside the regulatory perimeter: no advice, no pooled or client money, no arranging or promoting investments, and no guaranteed returns. Members transact directly with one another through their own solicitors, and statutory anti-money-laundering and source-of-funds work sits with the conveyancer on each transaction. We are having that position confirmed in writing by a firm that does this work daily rather than relying on our own reading of it.

Question 11

What if I pay and then I'm unhappy?

Accepted Answer

The £99 + VAT vetting fee is refundable within 14 days of payment provided vetting work has not yet started on your application. Membership can be cancelled at any time before the next renewal, with no further charge and no minimum term. Cancelling releases any outward postcode area you hold back to the queue.

Question 12

I invest in several outward postcode areas - am I limited to one?

Accepted Answer

No. The one-per-outward postcode area rule applies to trades and property professionals, because that is the exclusivity they are buying: one plumber, one solicitor, one sourcer per outcode. Investors and buyers are not boxed in - you name a main outward postcode area when you join, then add every other outcode you actually buy in, and you can change or extend that list at any time. You will see deals and members across all of them.

Question 13

I don't want to state how much money I have - it depends on the deal.

Accepted Answer

Then leave it out. Every funding figure on the join form is optional, and there is an “it depends on the property and the deal” option that skips them entirely. Nothing you enter is a commitment, an offer, or a credit check, and it is never shown publicly or to other members - it only helps us judge which outward postcode areas are ready to transact. What you put into a real deal depends on the property, the vendor and the structure, and that is a conversation deal by deal.

Question 14

What do you mean by “without a mortgage”?

Accepted Answer

The purchase is funded with money that is already owned - either the buyer's own verified funds, or the pooled funds of members buying together. No mortgage, no bridging and no other borrowing is used to complete, so there is no lender, no chain and no interest attached to the property.

Question 15

What does “interest-free” mean in practice?

Accepted Answer

Nobody charges or receives interest. Where members put money into a deal together, the return comes from the outcome of that deal - a share of the profit on sale, a share of the rent, or a fixed split of the surplus agreed in advance. There is no guaranteed rate of return, because the money is invested in the property, not lent to someone.

Question 16

What if I only have part of the money?

Accepted Answer

Then you partner. Members regularly buy together through joint ventures: each party's contribution, responsibilities, share of profit and exit route are set out in a written agreement drawn up by a solicitor before exchange. You own a share of the deal rather than owing anybody a debt.

Question 17

What if I have no funds yet?

Accepted Answer

You can still take part. Deploy smaller amounts into other members' deals for an agreed share of the profit, or earn through your trade or profession on the marketplace while you build up your savings and your track record on the network.

Question 18

Who actually holds the money?

Accepted Answer

A regulated solicitor. Purchase funds move from the buyers to their solicitor's client account and from there to the seller - the club never takes custody of purchase money. The only money the platform handles is membership fees and marketplace job payments held in escrow.

Question 19

Is the club lending, arranging finance or giving advice?

Accepted Answer

No. Property Investors Club is not a lender, a broker, a fund or a financial adviser. It is an introduction, verification and coordination platform: it verifies members, matches them into local power teams, and provides escrow for the work. All deal terms are agreed directly between the members involved and documented by their own solicitors.

Question 20

Is this Shariah-compliant?

Accepted Answer

Avoiding interest is core to how the club is built, and profit-and-loss sharing is the default structure. Read the dedicated Shariah page for the detail, and take advice from your own scholar or adviser on your specific transaction.

Question 21

What are the risks?

Accepted Answer

Your capital is at risk. Property values can fall as well as rise, rental income is not guaranteed, refurbishments can overrun, sales can take longer than planned, and joint-venture partners can disagree. Nothing here is a guaranteed return. Take independent legal, tax and financial advice before committing funds.

Question 22

What checks does the platform actually run?

Accepted Answer

Membership vetting: we confirm identity with photo ID and proof of address, verify email and mobile, check trade certifications and public liability insurance, and monitor platform activity for fraud and abuse. Every member has to pass this evidence checklist before an application is approved and before any postcode slot or introducer status is granted.

Question 23

Does the club run anti-money-laundering checks on a purchase?

Accepted Answer

No. Statutory anti-money-laundering customer due diligence, source-of-funds and source-of-wealth evidence, sanctions and politically-exposed-person screening and any reporting obligations on a property transaction are carried out by the regulated solicitor acting on that transaction. Property Investors Club is not a firm supervised for anti-money-laundering purposes, and our vetting does not perform, replace or certify those checks.

Question 24

Why do you ask for ID if the solicitor asks again?

Accepted Answer

They are two different jobs. Ours confirms you are a real, contactable person with the credentials you claim, so other members can safely deal with you on the platform. The solicitor's is regulated compliance work on a specific transaction and has to be done by them regardless of anything we hold.

Question 25

What evidence do trades and professionals have to provide?

Accepted Answer

Photo ID and proof of address for everyone, plus current trade certification or professional qualification and a valid public liability insurance schedule. Company registration or professional-body evidence is optional for sole traders. Documents are reviewed item by item and can be rejected with a reason.

Question 26

What extra checks apply to introducers?

Accepted Answer

Introducers must already be a vetted member: identity verified, vetting fee paid, membership active, and a signed introducer declaration on file. Commission is only ever a share of the club's own fees, never a cut of a property price, and it is held for 30 days to cover refunds and chargebacks.

Question 27

Do I have to sign anything to be an introducer?

Accepted Answer

Yes - a signed introducer declaration has to be on file before any reward is payable. You can sign it online in the qualification centre, or download the printable form, fill it in, sign it and upload it. It confirms you will not give advice, will not misrepresent the club, and understand that rewards are a share of the club's own fees only.

Question 28

Do I need public liability insurance?

Accepted Answer

If you are a trade or provide a service to other members, yes: a current public liability schedule is part of the evidence checklist. If you do not have cover yet, the qualification centre includes a partner link where members can arrange it - and there is a £25 voucher for using it.

Question 29

How do you handle fraud on the platform?

Accepted Answer

Job money moves through escrow and is released against agreed milestones, disputes are reviewed with evidence from both sides, and admin actions are written to an audit log. Suspicious accounts can be suspended and evidence re-requested at any time. Criminal matters are reported to the appropriate authorities.

Question 30

Who holds purchase money?

Accepted Answer

The solicitor. Purchase funds move between solicitors' client accounts. The club never takes custody of purchase money - the only money the platform handles is membership and vetting fees and marketplace job payments held in escrow.

Question 31

How long do you keep verification documents?

Accepted Answer

Only as long as needed to run and evidence membership vetting, after which they are deleted. You can remove a document from your qualification centre at any time, though removing a required item pauses your approval until it is replaced.

Question 32

How do I change my postcode or my outward postcode area after joining?

Accepted Answer

Members change it in the dashboard: your buying postcode and service outward postcode area are both editable there, and the outward postcode area card lets you check availability and switch to another outcode. If you are still on the founding list without an account, use the private edit link in your confirmation email - request a fresh one from the founding-list page if it has expired.

Question 33

Why does “My place” ask for an email link instead of a password?

Accepted Answer

Because most people on the founding list do not have an account yet. Rather than making you invent a password for a list you joined with two fields, we email you a private link that opens your own record so you can check and edit your details. Once you have paid and activated a member account, you sign in normally.

Question 34

My link says it is invalid or expired - what now?

Accepted Answer

Links are time-limited on purpose, because they open your personal record. Go back to the founding-list page and ask for a new one; it is sent to the same email address and replaces the old link immediately.

Question 35

I confirmed my email but nothing seems to have changed.

Accepted Answer

Reload your record from the link in the email - verification is stored against your founding-list entry, so the tick appears there rather than in the email itself. If it still shows as unverified, ask for a fresh confirmation email or message us and an admin can verify it manually.

Question 36

My trade or profession isn't in the list I can see.

Accepted Answer

The profession field is searchable rather than a short dropdown - start typing and it filters the full list of trades, property professionals and service providers. If your role genuinely is not there, send it to us: the list is extended as members ask for roles.

Question 37

How do I know which membership level I'm on?

Accepted Answer

Your dashboard shows your current plan, billing interval, renewal date and whether your vetting fee is paid, along with the outward postcode area you hold. Everything that is still outstanding is listed as a step rather than left for you to work out.

Question 38

What exactly is Property Investors Club?

Accepted Answer

A UK network of verified buyers, sellers and trades who fund property deals without a mortgage, interest or a chain. Members claim an outward postcode area, build a local power team of vetted professionals, and deals are matched to them. Deals are funded by members outright or in partnership, never by interest-bearing debt.

Question 39

Can HMO, serviced accommodation, company lets and lease-option structures be brought through the platform?

Accepted Answer

Yes. All types of deal can run on the platform: outright purchases and buy-and-hold, refurb and flip, HMO, serviced accommodation and short lets, company lets, lease options, exchange with delayed completion (EDC), rent-to-rent, R2SA and R2HMO, commercial-to-residential conversions, mixed use, land purchase and land development - and anything else that needs funding. The only thing the club changes is how the deal is funded: member capital, joint ventures and profit shares, never interest-based loans.

Question 40

Do you only support outright purchases?

Accepted Answer

No. Outright purchase is one route, not the whole platform. Control strategies such as lease options, EDC and rent-to-rent need little or no purchase capital at all, and development and land deals are usually funded as a joint venture between several members. Every structure is documented by a regulated solicitor before anything is signed.

Question 41

What does it cost?

Accepted Answer

The founding list is free for everyone: email and mobile, no card, no account. Becoming a member is paid, and it is the same for investors and for trades - a one-off £99 + VAT vetting fee, plus a membership plan chosen at the same checkout: Starter £7, Member £15 or Pro £40 a month + VAT, with annual billing at ten months for twelve. Lifetime is a single payment of £999 + VAT, or £499 + VAT while founding places last. Beyond that we only take a platform fee on completed jobs, deducted from escrow: 7% for members, 12% for non-members.

Question 42

You said the founding list is free - so why is there a fee?

Accepted Answer

They are two different things. The list is a free queue: it holds your place, registers demand for your postcode and is never auto-billed - we cannot charge you because we never take card details at that step. Becoming a member is paid: a one-off £99 + VAT vetting fee, then a membership plan from £7 a month + VAT. Those paid steps are what let you claim an outward postcode area, take deals, post or win escrow-protected work, get paid and earn referral rewards. You can stay on the free list indefinitely, but you stay on the list - you are not a member until you pay.

Question 43

Vetting fee or membership - what's the difference?

Accepted Answer

The £99 + VAT vetting fee is paid once and covers vetting - identity, address, and trade certification and insurance where relevant - plus confirmation of your outward postcode area. Membership is the ongoing subscription that gives access to deals, the marketplace, escrow and wallet payouts. You need both to be fully active: vetted once, and a live membership. Both are paid up front in one checkout, for investors and trades alike: the vetting fee when you choose to become a member, and your membership plan from that same moment. For a trade, that is also the point your outward postcode area slot is reserved.

Question 44

When do I get paid for referrals?

Accepted Answer

Queue positions move instantly - everyone who joins with your link moves you up 100 places straight away. Money is separate and comes later: an introducer reward is 20% of the vetting and membership fees that person pays the club, plus 10% of the platform fee on their completed jobs. It is never a cut of the job value itself. Until a completion happens the reward sits pending rather than being lost, and it is held for 30 days afterwards against refunds before it lands in your wallet.

Question 45

Why is membership paid?

Accepted Answer

Paid membership keeps the network serious, funds verification and escrow, and pays for the profit-share funds. Introducing members earns you wallet credit rather than a discount on your own fee.

Question 46

How do introducer rewards work?

Accepted Answer

Every member gets a unique link. When someone you introduce goes on to complete a deal or a job through the club, you earn 20% of the vetting and membership fees they pay and 10% of the club's platform fee on their completed jobs - always out of the club's own revenue. Nothing is taken from the job value and nothing comes out of the deal itself. Rewards are single level only - no downlines, no commission on anyone else's introductions.

Question 47

What exactly do the three payments buy?

Accepted Answer

Founding list: free, no card, no account - it holds your place and registers demand for your outward postcode area. Vetting fee: £99 + VAT once, which checks who you are, confirms your outward postcode area on the live map and makes your introducer rewards payable. Membership: the ongoing plan from £7 a month + VAT, giving access to deals, the marketplace, escrow and wallet payouts. The £99 is never the membership price, and the free list is never billed.

Question 48

Is there a lifetime membership?

Accepted Answer

Yes. One payment of £999 + VAT gives permanent Pro access, and while founding places last it is £499 + VAT. Members who already hold a lifetime pass keep it in full, for life, at the price they paid.

Question 49

What is postcode exclusivity?

Accepted Answer

One member per profession per outward postcode area. If you are the electrician holding LS6, no other electrician can hold that outward postcode area while your slot is active. It is a licence rather than ownership and it is conditional on performance: every job is rated by the client as part of the payment, the pro rates the client back, and holding the outward postcode area requires keeping a rating above 4 out of 5.

Question 50

How are buyers ranked?

Accepted Answer

A transparent score built from verified funds, completion history, speed, responsiveness, ratings and club activity. Higher scores see deals earlier.

Question 51

Is my money safe when I book a trade?

Accepted Answer

Payments sit in escrow and release against agreed milestones. Disputes are handled by the club with evidence from both sides before any release.

Question 52

What happens to the platform profit?

Accepted Answer

10% is returned to members as gifts, 10% supports orphans and 10% funds Umrah trips. Allocations and payouts are published.

Question 53

Do I need to be an experienced investor?

Accepted Answer

No. Many members join as tradespeople or first-time buyers and grow into deals through the local team.

Question 54

Can I cancel, and can I get a refund?

Accepted Answer

Yes to both, within limits. Membership can be cancelled at any time before the next renewal, with no minimum term and no further charge. The £99 + VAT vetting fee is refundable within 14 days of payment provided vetting work has not started on your application. Any outward postcode area you hold is released back to the queue when your membership ends.

Question 55

Is this financial advice?

Accepted Answer

No. The club provides tools, data and introductions - it is not a lender, broker, fund or adviser. Property investment carries risk and you should take independent professional advice. See the “How purchases are financed” section at the top of this page for the detail.

Question 56

Is this a pyramid scheme?

Accepted Answer

No. A pyramid scheme pays you for recruiting, through several levels of downline. Rewards here are single level only: you earn from people you personally introduce, and never from anyone they go on to introduce. There are no levels, no ranks and no matrix. What is paid is a flat one-off reward, paid after a deal or a job has actually completed. It is never a cut of a job value, never a cut of a property deal, and never a share of anyone's membership fee. We changed our reward model specifically so that nobody earns from anyone else's membership fee. The test that matters: stop every introduction tomorrow and the platform still works and still charges for vetting, membership, outward postcode areas, escrow jobs and listings. That is a product with an affiliate scheme attached, which is the opposite of a pyramid.

Question 57

What do introducers actually earn - isn't that a lot?

Accepted Answer

It is a flat one-off reward for an introduction, and it is only paid after a deal or a job has completed. It is not a percentage of a vetting fee, not a percentage of membership, and not a share of anything the person you introduced pays to stay a member. For comparison, a mortgage broker is typically paid a procuration fee of around 0.35–0.40% of the loan - £700 to £800 on a £200,000 mortgage, for one introduction. Rewards are paid out of the club's own revenue once the underlying work has completed, are held for 30 days against refunds, and are capped. Nothing is ever added to a member's price to fund them.

Question 58

Why pay for a local team when I can find a builder or plumber myself?

Accepted Answer

You can, and plenty of people do. What the membership buys is not access to a plumber - it is what sits around the plumber. Vetting done once and centrally: identity, insurance, trade registration and references, evidenced rather than assumed. Escrow: job money is held and released against milestones you both agree up front, which no handshake gives you. Ratings that follow the member across every job. One member per profession per outward postcode area, so it is a defined team and not a directory of competing leads. And work flows to them from the public post-a-job board.

Question 59

Won't you only attract a small pool of trades who are willing to pay?

Accepted Answer

It is a fair point today - we are a founding list and we say so plainly, which is exactly why founding pricing exists and why the free list costs nothing until you think the network is worth it. On price: membership starts at £7 a month with outward postcode area exclusivity, against £100+ a month for a directory listing or pay-per-lead credits elsewhere. Trades join for leads, leaflet tools, escrow-protected payment and exclusivity - not for a badge.

Question 60

With a mortgage the costs are calculable and all the profit is mine. Why do this instead?

Accepted Answer

That is true, and the club is not an argument against mortgages. It exists for people who will not or cannot use interest-bearing debt: buyers avoiding riba, buyers who have been declined, properties no lender will touch (no kitchen or bathroom, short lease, non-standard construction), and buyers who want speed with no chain and no lender timetable. On profit: with a mortgage it is yours after interest, arrangement and broker fees, valuation and any early repayment charge. In a joint venture an agreed share is yours after no interest at all. Which is better depends entirely on the deal - anyone telling you otherwise is selling something.

Question 61

Wouldn't closed bridging be a better route?

Accepted Answer

Bridging is a legitimate tool and for some buyers it is the right one. It is also typically around 0.75–1.25% a month plus an arrangement fee, exit fee and legals, with a hard repayment date. It is also the exact product many of our members are unable or unwilling to use, on principle or on eligibility. Bridging and the club are not competing for the same buyer.

Question 62

So ten people each own 10% of a house? That sounds like a legal nightmare.

Accepted Answer

That is not the model. The club is not a fund: money is never pooled into a central pot, we never borrow from members and we never repay members. A joint venture here is usually two to four named parties, structured by a solicitor - a declaration of trust or an SPV, with contributions, roles, decision rights, exit and profit split written down before exchange. Every purchase completes through a regulated solicitor who handles anti-money-laundering, source of funds and the conveyancing. The platform never holds purchase money. And most members never buy jointly at all: they buy outright, sell a property, or earn through their trade.

Question 63

A £10,000 profit isn't £10,000 once you count refurb, legals and stamp duty.

Accepted Answer

Agreed, and that is why the club does not sell returns. We publish no profit projections and promise no outcome; where figures appear they illustrate a structure, not a forecast. Any member presenting gross numbers as take-home profit is breaching the introducer declaration they signed. Report it and we will act on it. Nor is an introducer reward a slice of your deal: it is a flat one-off amount paid by the club after completion, and it never comes out of your numbers.

Question 64

I've looked the company up at Companies House. What should I make of the filings?

Accepted Answer

The club is early stage, and small-company filings for a startup show very little either way. The point worth checking is where money actually sits. Purchase funds never touch the company: they go through a solicitor's client account. Job money sits in escrow and is released against milestones. The only money you ever pay the company is the £99 + VAT vetting fee and your membership - small, visible, cancellable within 14 days, and never a deposit on a property. If you want the detail of the entity, its filings and structure, ask for a call with the founder rather than judging it from a snapshot.

Everything people ask before they join.

Four short answers, on video

The hard questions, answered

The idea, and why joining is phased

How purchases are financed

Compliance: who checks what

Using the site: joining, sign-in and your details