Property Investment Risk Analysis | Zisk Properties



Zisk Properties will source an estate or property which we believe to be lucrative by way of the income generated and/or the potential capital gains achieved. However, investing in real estate or property comes with various risks, whether you invest directly or via an investment platform such as Zisk Properties. The properties and their associated special purpose vehicles (SPV’s) will be managed by Zisk Properties in line with the Prospectus, Terms of Service and Investor Terms. The investments which you subscribe to are all fixed term investments as specified within the Prospectus and as such you will not be able to leave or redeem your investment prior to the end of the investment term.


The value of your investment with Zisk Properties can go down as well as up and historic performance is not necessarily a guide to future performance. So, the value of your investment may decline with the possibility of all your capital being lost. A fall in the value of your investment may be due to a number of reasons, such as a fall in the underlying value of the property, a problem with the property that will need to be funded from future rental income or for any other unforeseen eventuality. Investing in properties directly or via Zisk Properties, carries certain risks and you should ensure that you have obtained the appropriate advice.

In relation to any such investment opportunities, it is your responsibility to:


    Satisfy yourself that you understand all involved risks and seek any professional financial, tax or legal advice before investing;


    Carry out your own independent due diligence to ascertain the risks involved;


    Ensure the risks involved are acceptable to you prior to investing;


    Ensure you are comfortable with the total amount you are investing given the risks involved.

You acknowledge that, by making any investment with Zisk Properties, you may not get all or any your money back.


While Zisk Properties provide gross rental income estimates for property investments on our platform, these are not guaranteed in any way as they are the opinion of Zisk Properties and is likely based on information we have been provided with. The rents actually secured for your invested property are reliant on several factors outside of the control of Zisk Properties.

It is also worth highlighting that various laws can be used by a tenant at any time for their protection, and this can mean that their lease is terminated and rejected. As a result, the tenant may no longer make any more payments on time, or any payments under its lease at all.


Investments with Zisk Properties constitute private transactions with the aim for long term investment. Currently, any of your Zisk Properties investments cannot be sold prior to the actual sale of the property, which is usually 1-5 years (as specified within the prospectus). Whilst Zisk Properties will do everything reasonably possible to ensure suitable and efficient exit for each investment, Zisk Properties cannot guarantee that the property you invest in will be sold or at any particular estimated or guaranteed price unless a suitable buyer can be found, and even then, property transactions can take several months to complete. As such, you should consider the possibility that you may need to hold an investment until the property is sold (as per the Investor Terms) which may be a longer time period than you originally anticipated or was listed on the Website. However, Zisk Properties will take all reasonable care to ensure that the property is sold by the end of the Investment Term.


Changes in market conditions including, for example, changes in economic conditions, interest and/or inflation rates, investor or consumer confidence, industry conditions, competition, political events and trends, regulation, tax laws, unforeseen incidents, event beyond our control like acts of God or terrorist activities or fraud and other factors can substantially and adversely affect real estate investments in general and your particular property investment.


Any property investment opportunities offered by Zisk Properties that are located overseas (outside of the UK) will carry additional risks. You must ensure that you understand all such risks inherent in such opportunities. These risks include but are not limited to additional political and economic risks associated with these jurisdictions, accepted local practices in respect of property investments (e.g. off-plan or under-construction properties may only offer a contractual agreement with the property developer as the legal titles aren’t registered until the completion, additional tax liability and fraud.


Zisk Properties is not authorised to offer any form of guarantee to its investors. Only for the investment opportunities where Zisk Properties has made a “No-Loss Offer”, Zisk Properties promises to refund any loss you make on a particular investment opportunity from its next five years’ profits (for details on the “No-Loss Offer” and how it operates, please read the Investor Terms). There is a risk that Zisk Properties does not trade in the future, or may not be making a profit over the five year period, or the profits made during this period are only sufficient to meet in part the amount of loss you made. As a result, while:


    you will have beneficial interest in the property itself through the independent SPV that safeguards your investment in that particular property from Zisk Properties’ circumstances, and


    where Zisk Properties has made the “No-Loss Offer”, we, Zisk Properties, make this offer in good faith and fully aim to honour it by refunding any losses our investors make through our profits,the “No-Loss Offer” can not guarantee that, if the property prices fall, you will not make any loss on that particular investment opportunity for the reasons outlined earlier.