From a clean conscience to a clean rent payment.

Name, email, password and a UK phone number. That's it. We don't ask for documents at this step · we just want to know who to write to.

Your account stays free forever. There is no platform fee for browsing, reading deals, or even for joining the waitlist of a property that's already sold out.

• UK residents only at launch (Roadmap: EEA in 2027)
• You'll be a "retail investor" by default · that's fine
• Account is read-only until KYC clears

UK regulations require us to know who you are before you can move money. We use Complycube · a UK identity-verification provider used widely in regulated fintech. For most people it takes less than three minutes.

You scan a UK photo-ID (passport, driving licence or national ID) and take a quick selfie. We run sanctions and PEP screening in the background, then mark your account "approved". You only do this once.

• UK passport, driving licence or national ID accepted
• Sanctions, PEP and address screening in one pass
• A small number of accounts go to manual review · we'll write within 24 hours

You read three short screens and tick three boxes. We tell you in plain English that your capital is at risk, that property is illiquid, and that the platform is not covered by the FSCS for investment losses.

This is a legal requirement under the FCA's financial promotions rules. We don't hide it in a 60-page T&C · it's a wizard.

• FSCS disclaimer · explicitly acknowledged
• Capital-at-risk & illiquidity warning · explicitly acknowledged
• Self-certification as a retail investor

Every property on Paxvori publishes a full diligence pack: Level-2 survey, twenty-year roof and boiler forecast, EPC, planning history, redlined SPV constitution, twenty-four-month letting plan and base-case financial model.

You can read all of this before opening an account. We think trust starts in public.

• L2 survey · downloadable as PDF
• Roof, boiler & lift forecast · 20-year horizon
• EPC certificate · linked from the public register
• Base / upside / downside cashflow models
• Letting plan with two named local managing agents

Each property is held by a dedicated UK limited company · its "SPV". You don't get a token or a synthetic note. You become a registered shareholder of the company that owns the building.

Each SPV sets two numbers, both published on its listing: the share price (anywhere from a few pounds upward, depending on the property) and the minimum investment (typically £100–£500). You can buy more anytime there's capacity. We accept debit cards, open-banking transfer, or standing-order top-ups via Stripe.

• Stripe-backed payments · 3DS & SCA enforced
• Shares registered to your name, in the SPV's UK Companies House record
• Digital share certificate issued instantly
• Shareholder agreement countersigned by Paxvori director

For the first fourteen days after you invest, you can cancel for any reason · or no reason · and we'll refund your capital in full. We don't charge a fee. We don't ask you why. It's built into the platform, not a customer-service favour.

This is your protection against a hot moment in the market, a change in personal circumstances, or simply a gut feeling. After day 14, your shares are firm and follow the SPV's secondary-market rules.

• Auto-refund within 3 business days of cancellation
• One-click cancel button · no calls, no forms
• Cooling-off counts from the moment your share certificate is issued

The SPV's managing agent collects rent from the tenant. We deduct the SPV's running costs · service charge, insurance, agent fees, any agreed maintenance · and pay the rest, pro-rata, to every shareholder.

Distributions arrive on the 5th of the calendar month. Your year-end tax statement is issued in April and is HMRC-ready.

• Paid into your nominated UK bank account by Faster Payment
• Pro-rata to your share count, after SPV expenses
• SA100-friendly tax summary every April
• Live "rent ledger" in your dashboard, line-by-line

You can hold for the full SPV term (typically 5 years) and receive your share of the eventual sale proceeds. Or · once the secondary market launches in Q3 2026 · you can list your shares to other Paxvori investors at a price you set, with a transparent SPV-published NAV.

Property is an illiquid asset class. We are explicit about that. Don't invest money you need access to in the next eighteen months.

• 5-year typical SPV term, with optional 2-year extension
• Secondary market live to all investors from Q3 2026 (Roadmap)
• Sale proceeds paid within 5 business days of completion
• Capital gains reported on your annual tax summary