Yielders - Risk and return review
Yielders - Returns and loss rates
Yielders – Pros & Cons
About Yielders
What it is
Yielders is a British property platform built to be Shariah-compliant: no loans and no interest. It is run by Yielders Limited, set up in 2015 and open to investors since 2016. Since 28 August 2025 a new owner, Sama Capital Holdings Ltd, has held more than 75% of the company. Yielders says over 4,000 users have joined (October 2026); it does not publish how much has been invested.
How it works
Yielders buys a let property outright, with no mortgage, and places it in its own small company. You buy shares in that company from £100 and receive a share of the rent each month, plus a share of any profit when the property is sold. Leases run for two to five years, and an investment can last five years or more. Two properties were on offer in October 2026: Meadow Court in Birmingham (5.0% projected net yield, target end August 2031) and Berberis Court in London (4.05%, target end June 2026, a date that has passed without a reported sale). Investors putting in more than £50,000 can join a "Top Yielders" tier.
Returns
Yielders advertises average rental income of over 6% a year after its fees (undated, October 2026), with all figures described as projections. The two current properties project less, 5.0% and 4.05%. In ten years Yielders has never published what investors actually received in rent, or what they got back when properties were sold. Its home page says it has never missed a monthly payment since 2016, but investors' public reviews describe months with no rent, including one who invested in January 2025 and had received nothing by October 2025.
Losses and defaults
There are no loans, so there is no default rate. The figures that would show losses, such as empty periods, unpaid rent, falls in property value or results of sales, are not published. Company records show that 12 of the 32 property companies Yielders set up have been closed (one in 2020, one in 2021, seven in 2024 and three in 2025), with no statement of what shareholders received. Investors' reviews from 2025 and 2026 speak of money stuck for five years and capital not returned.
What secures your money
You own shares, not a loan, so nothing is secured for you. What you own is a slice of a company that owns the property outright, with no bank debt, so no lender can take the property ahead of you. Each property sits in its own company, so one bad property does not affect another. But no valuation method or valuation history is published, Yielders Limited itself acts as director of these companies, and rent can be held back to pay for repairs. There is no compensation scheme for the investment. In plain words: the property is real and debt-free, but you cannot see what it is worth or what it earns.
Who runs it and its licence
Yielders Limited (company number 09757611) is authorised and regulated by the UK Financial Conduct Authority, firm reference 745636, since 2017. The public register shows limits on what the firm is allowed to do: it may receive and pass on investors' orders, may not carry out consumer buy-to-let business, and may not hold client money. These are limits on its permissions, not a penalty. Your cash is therefore held in e-wallets with the payment company MangoPay. You can complain to the Financial Ombudsman Service, which handled a case in 2023 about an investor who could not get money out and did not uphold it. You cannot claim on the Financial Services Compensation Scheme. The company's accounts to 31 December 2024 are filed and nothing is overdue (October 2026).
Fees
A 2.5% set-up fee is built into the property price. Yielders takes 10% of the monthly rent as a management fee and 15% of the profit when a property is sold at a gain. Adding money by card costs 1%, and each direct debit 60p. Selling shares on the secondary market costs a relisting fee whose amount is not published. Projected yields are shown after Yielders' fees.
Getting your money out
Your money comes back when the property is sold at the end of its term, which is not automatic and has run late. You can offer shares on the platform's secondary market, but only after the initial term, not in the last six months before the end date, and not at all when a property is doing badly and rent is kept for repairs. Nobody guarantees a buyer or a price, and sales settle on the first of the next month.
Our view
Return: Low — the level rests on the advertised rate of over 6% a year, not on what was paid, because nothing actually paid has been published. Risk: High (higher means more risk) — no figure for losses has ever been published, so we start from the middle level, Medium, and move it one step worse, to High; investors also report missed rent and money they cannot get out, and Yielders directs the companies that hold your property. Risk-return: Very Low — a low advertised return for high risk, with no record to show it is being met.
Regulation
License / Regulation: Yielders Limited (company number 09757611) is authorised and regulated by the UK Financial Conduct Authority, firm reference 745636. The register shows limits on its permissions: it may receive and transmit investors' orders, may not carry out consumer buy-to-let business, and may not hold client money (checked 25 October 2026). These are limits on scope, not a penalty. Complaints can go to the Financial Ombudsman Service; investments are not covered by the Financial Services Compensation Scheme.
Functionality
For Investors
Useful Information
Yes. Yielders Limited is authorised by the UK Financial Conduct Authority (firm reference 745636). Its permissions are limited: it may receive and pass on investors' orders but may not hold client money or do consumer buy-to-let business. You can complain to the Financial Ombudsman Service, but there is no compensation scheme for the investment.
Cash waiting to be invested sits in segregated e-wallets with the payment company MangoPay and earns no interest. Once invested, you own shares in a company that owns the property.
£100 per property. A "Top Yielders" tier with tailored offers is for investments over £50,000.
Yielders advertises over 6% a year of rental income after fees; the two current properties project 5.0% and 4.05%. It has never published what investors actually received or any figures on losses. 12 of its 32 property companies have been closed with no statement of what shareholders got back, and investors report months without rent.
Nothing secures it in the lending sense: you own shares. The property is owned outright with no mortgage and sits in its own company, so no bank comes before you. No valuations are published, and rent can be held back for repairs.
Sometimes. You can list shares on the secondary market after the initial term, but not in the last six months before the end date or while a property is doing badly. No buyer or price is guaranteed, and a relisting fee of an unpublished amount applies.
A 2.5% set-up fee built into the property price, 10% of the monthly rent, and 15% of the profit when a property is sold at a gain. Card deposits cost 1% and direct debits 60p each. Relisting shares for sale costs a fee whose amount is not published.
Each property sits in its own company in which you hold shares, but Yielders Limited is the director of those companies, so you depend on it to run them and arrange the sale. If a property loses tenants or value, rent stops and your share is worth less; there is no compensation scheme.
Sama Capital Holdings Ltd has owned more than 75% of Yielders Limited since 28 August 2025, and new shares were issued in September 2025. Yielders has not published how management or the offer has changed since.
