Hearth Properties is not licensed or regulated by the Financial Conduct Authority and does not provide financial advice. The information on this website is directed only at persons in the UK and does not constitute advice of any kind (including investment, legal or tax advice). It does not amount to an offer or invitation to buy or sell an investment. It also does not solicit any offer or invitation from companies seeking investment capital in any jurisdiction other than the UK. Persons resident in territories other than the UK should consult their professional advisers as to whether they require any governmental or other consent or need to observe any formalities to enable them to invest in the products described in these pages. Investors should not rely on any information or opinions contained in this website in making an investment or other decision but should obtain appropriate and specific professional advice.

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The value of any investments can go down as well as up and you might not get back what you put in. Some types of investment e.g. property, may not be readily realizable and may take time to sell in view of the nature of the investment.

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Do not invest unless you have carefully thought about whether you can afford to and whether it is right for you. We strongly recommend that you seek appropriate professional advice before entering into any contract.

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Investment products presented by Hearth Properties are not regulated by the Financial Conduct Authority or covered by the Financial Services Compensation Scheme, or the Financial Ombudsman Service.

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Investing in property can be rewarding, but it involves a number of risks and challenges. If you choose to invest through Hearth Properties, you accept that you are aware of and accept five important considerations:

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1. Loss of Capital
Past performance of any investment, including those Hearth Properties Ltd has successfully completed in the past, is not necessarily a guide to the performance of similar investments in the future. Property prices can go down as well as up and different property types or those in different areas may be more or less susceptible to reduced or negative growth. By investing in property through Hearth Properties Ltd, there is a risk that you may not get back what you put in if property prices fall and you should only invest as much as you can afford to lose and as part of a diversified portfolio. You should not invest more money through Hearth Properties Ltd than you can afford to lose without altering your standard of living.

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2. Illiquidity
Any investment you make through Hearth Properties Ltd will be highly illiquid. There is no active secondary market for the shares of the investee company. Even for a successful investment, any return on your investment may be unlikely to occur for a number of years from the time you make your investment. In particular, if you are over the age of 60 at the time of making any investment through Hearth Properties Ltd you should consider the effect this illiquidity could have on your lifestyle.

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3. Central risks of real estate development
The development or re-development of properties may exceed their budgets. Unforeseen events such as changes related to building permits, planning errors or other aspects of the development and re-development, shortage of necessary equipment, or adverse weather conditions, or other unforeseen events may cause cost overruns and delay or frustrate completion of a project. There can be no assurance that any overrun resulting from any occurrence will be adequately covered by insurance policies or that such insurance will continue to be available. In the event of a budget overrun the investment may need to seek additional financing from outside sources in order to complete production. No assurance can be given as to the availability of such financing or, if available on terms acceptable. In addition, in the event of substantial budget overruns, there can be no assurance that such costs will be recouped, which could have a significant impact on the investment results. There can be no assurance that the proposed investments by Hearth Properties Ltd will achieve their investment objectives.

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4. Diversification
Investing in property should only be done as part of a diversified portfolio. This means that you should invest relatively small amounts in multiple asset classes as opposed to a large amount in one or a few. It also means that you should invest only a small proportion of your investable capital in this asset class, with the majority of your investable capital invested in safer, more liquid assets.

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5. Tax
You are responsible for the administering of your own tax affairs, which may include capital gains and/or income tax. We do not provide tax advice and you should seek this independently before investing if you are unsure of your position. It is your responsibility to ensure that your tax return is correct and is filed by the deadline and any tax owing is paid on time. If you are unsure how this investment will affect your tax status you must seek professional advice before you invest.

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