Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

Risk Warning

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.

What are the key risks?

1. You could lose all the money you invest

It's essential to bear in mind that investing in the property market comes with the risk of incurring losses, which could result in receiving a return on investment that is lower than the original investment amount.

2. You won’t get your money back quickly

The availability of buyers and sellers can affect the ease of selling your shares, and the sale price may be less than what you paid for them initially.
In the event of unfavourable circumstances, it may take a prolonged period of time to recover your investment in certain types of properties.
The payment of dividends is not assured and is dependent on the decision of the property-holding company's directors, who consider the property's financial condition. In the most extreme case, dividends may be halted.

3. Don’t put all your eggs in one basket

Putting all your money into a single platform or type of investment is risky. Spreading your money across different investments makes you less dependent on any one to do well. A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

4. The value of your investment can be reduced

The value of your investment in property can be influenced by various market factors and specific risks, which are detailed in our Key Risks section. As your investment is tied to the underlying property value in your portfolio, it is subject to potential fluctuations in value, both upward and downward.
In some circumstances, properties may require extra funds, which may be raised through the issuance of new shares. If more shares are issued, the proportion of ownership in the property that you originally invested in will decrease. This may result in a reduction in the value of your investment, depending on the extent of future fundraising needed.
These new shares may have additional privileges that your shares do not have, or may be available at a lower price than what you initially paid for your shares. This could further diminish your chances of earning a return on your investment.

5. You are unlikely to be protected if something goes wrong

Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker.
Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated platform, FOS may be able to consider it. Learn more about FOS protection.

If you are interested in learning more about how to protect yourself, visit the FCA’s website. For further information about investment-based crowdfunding, visit the FCA’s website.

How it works

Hassle-free fractional property investment

Our fractional property ownership model provides all of the benefits of traditional buy-to-let, but without the hassle of ongoing legal, financial and property management requirements.

3D render of Cahootz platform user interface components

Purchase process

Investing in property has never been easier

Cahootz investor platform Ui mocked up on iphone

Reserve

Browse our property listings and reserve fractions in your chosen property. This is a non-binding commitment to invest.

Payment

Shortly before the property is purchased we will contact you and ask you to make payment for your reserved fractions via bank transfer.

Purchase

Once all fractions are allocated and payment received, Cahootz will close the listing and carry out the property purchase on your behalf.

Ownership

Once the purchase is complete, Cahootz will distribute the fractions and you will be able to track your property within your portfolio.

Exit process

Property investment on your terms

Hold

Hold your fractions and receive your share of rental income. Track your property portfolio and payments via your online account.

Private sale

Whilst property should always be considered a long term investment, you are free to sell your fractions privately at any time.

Bulletin board

For those looking to exit early, we also offer the ability to list your fractions on our bulletin board twice yearly (September and March).

Full term

We will hold votes on whether to sell the property at years 5, 6 and 7. Once sold, investors receive their share of capital appreciation.

"…[this] new breed of investment property financing can put real estate investing within reach for all types of investors."

Forbes on fractional ownership

Getting started

As an FCA regulated platform we are required to perform certain checks for new users on our platform. This ensures the safety of all of our investors and the integrity of the Cahootz platform.

1. Sign up

Enter your name, email address and create a password to sign up.

2. Investor type

Tell us what type of investor you are based on your past experience.

3. Questionnaire

Answer a few questions to show you understand how Cahootz works.

4. Identity

Complete our KYC checks to allow us to verify your identity before you invest.

4. KYC

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Simplicity

You invest, we do the rest

Traditional property investment can be notoriously complex and time consuming, which is why at Cahootz we take care of all legal, financial and property management requirements on your behalf. A full breakdown of all activity, fees and expenses associated with your properties will be accessible via your online account for complete peace of mind and a truly hassle-free property investment experience.

Structuring fee

Purchase Price

3% Purchase Price

3% of the property purchase price as a one-off structuring fee.

Monitoring fee

Gross Rent*

3% Gross Rent

3% of gross rental income each month as a monitoring fee.

*Not charged during vacancy periods

Transparency

A simple, transparent fee structure

At Cahootz we believe in complete transparency, both in terms of the information we provide to investors and the fees we charge for our services. We do not charge any performance related or selling fees and any capital appreciation earned is 100% retained by the investor.

Structuring fee includes:

Property sourcing and listing

Legal set up and fractionalisation

Property purchase management

Monitoring fee includes:

Investor reporting

Distribution of monthly rental income

Property valuations and re-listing

Flexibility

Stay in control

Whilst you can sell your fractions privately at any time, Cahootz will arrange for an independent third-party valuation of each property after 5, 6 and 7 years. If more than 50% of fraction holders vote to sell the property at the first (year 5) or second (year 6) valuation, then the property will be put on the market and sold. At the third valuation (year 7), the property will be put on the market and sold unless 100% of the fraction holders vote to keep the property, in which event the process will repeat.

This helps to provide investors with some certainty around the length of their investment alongside the flexibility to sell only when the market conditions are right.

Learn more in our FAQS

Young Asian male sitting in front of a laptop and smiling

Investment model

An investment model built around you

1. Fractions listed

Working with established UK developers we source rental properties, divide them into fractions (shares) and list them exclusively on the Cahootz platform.

2. Sale completed

When all fractions are allocated, we complete the purchase of the property through an SPV and distribute fractions (company shares) to investors.

3. Rent distributed

The investor receives regular rental income payments relative to the number of fractions they hold, alongside transparent property management reports.

4. Exit

Cahootz will arrange a valuation after 5, 6 and 7 years following completion, at which time fraction holders will vote to sell or keep the property.

A fraction is one ordinary share in an SPV (Limited Company) that owns 100% of a specific property.

Read our FAQs

FAQs

Questions? We’ve got answers...

What is Cahootz?

Cahootz is an online platform that allows investors to purchase fractional ownership in UK residential properties, making property investment more accessible and affordable. Eligible investors buy fractions in individual properties, earn income from rent, and any capital appreciation that may occur over the period in which they hold the fractions. Cahootz takes care of all the operating responsibilities.

What is fractional investing in property?

Fractional investing is the process of investing in shares in a limited company which holds the legal title to a specific property. This shareholding entitles the owner to a proportional economic interest in the company such as rental income and any capital appreciation. Holding shares does not entitle the owner to live in the property or use the property for personal use.

How does the Cahootz platform work?

Once you are registered on the platform and have passed the investor appropriateness test, you will be able to invest in fractions of residential buy to let investment property. These fractions entitle you to receive the proportional amount of rental income and capital value derived from the specific property in question.

The investment amount you choose to invest is the total you pay and includes all the following:

Stamp duty, legal & other closing costs, 3% Cahootz fee, and a contingency fund.

The following expenses are taken directly out of the monthly rent that the property generates:

Management & lettings, service charge, short term rental costs, refurbishment fund, insurance, SPV admin, Cahootz 3% fee, and ground rent (if applicable).

Depending on the properties you invest in, you will receive your proprtionate share of the rental income as a dividend either monthly, quarterely, or bi-annually.

A full breakdown of these costs for each property is shown on the platform.

Through your portfolio dashboard, you can see all the relevant information regarding the property, including the running costs, maintenance, and tenancy performance.

Cahootz takes care of all this and provides you with a clear view of exactly what is going on with your property at any given time.

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How much does it cost to invest through Cahootz?

The minimum amount you can invest from is £1,060.

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What is a fraction?

A fraction is one ordinary share in an SPV (Limited Company) that owns 100% of a specific property.

How do I exit?

Whilst you can sell your fractions privately at any time, Cahootz will arrange for an independent third-party valuation of each property after 5,6 and 7 years. If more than 50% of fraction holders vote to sell the property at the first (year 5) or second (year 6) valuation, then the property will be put on the market and sold. At the third valuation (year 7), the property will be put on the market and sold unless 100% of the fraction holders vote to keep the property, in which event the process will repeat.

This helps to provide investors with some certainty around the length of their investment alongside the flexibility to sell only when the market conditions are right.

For those looking to exit earlier, we also offer the ability to list your fractions on our bulletin board twice yearly (September and March).

Get in Cahootz

Whether you are looking to manage your account entirely online, or you are looking for a more personal service, we have an account for you.

Standard

Over £1,000

For investors looking to build their property portfolio online, hassle-free.

Online onboarding

Online support team

Online portfolio management

Bespoke

Over £25,000

For investors looking for a tailored investment experience with personal support.

Dedicated account manager

Custom portfolio setup

Source your own property

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