Property Investment Risk Warning

This document (Risk Warning) sets out the principal risks associated with UK residential and commercial property investing. It applies to your use of the NestIQ Wealth platform (the "Service") operated by NestIQ Holdings Limited ("NestIQ", "we", "us").

By creating an account or continuing to use the Service you confirm that you have read, understood and agreed to be bound by this document as in force from time to time.

This document forms part of a wider legal framework that includes the Terms of Service, Privacy Policy, Cookie Policy, AI Disclaimer, Financial Disclaimer and Risk Warning. Where any of those documents apply, they should be read together.

Property values can fall as well as rise. Regional performance varies significantly and past growth is not a reliable indicator of future returns.

Changes in the Bank of England base rate, lender pricing and product availability can materially change the cost of borrowing and refinancing.

Rental levels depend on local demand, tenant quality, legislation and macroeconomic conditions. Void periods, arrears and unexpected repairs can reduce net income.

Ongoing maintenance, compliance (EPC, gas, electrical, fire safety) and periodic voids should be modelled realistically.

Tax rules (Stamp Duty, Section 24, CGT, incorporation relief) and legislation (Renters' Rights, EPC minimum standards, licensing) can change with limited notice and materially affect returns.

Property is an illiquid asset class. Sales can take months and completion is not guaranteed.

Wider macroeconomic conditions, inflation and employment can affect both capital values and rental demand.

This document is governed by the laws of England and Wales. Any disputes are subject to the exclusive jurisdiction of the courts of England and Wales, save where applicable consumer law provides otherwise.

Questions relating to this document should be sent to nestiqholdings@outlook.com.