Invest in Real Estate Bonds from $1,000

Each bond is a fixed-income security backed by a specific property. You earn a fixed rate of interest, paid on that bond's schedule out of the property's rental income, and the bond's face value is repaid when it matures — without buying an entire property or taking out a mortgage. You do not own the property, so you do not gain if it rises in value.

BondBricks is a marketplace platform connecting investors with licensed financial partners in your jurisdiction. You browse bonds on BondBricks, complete KYC verification through our identity verification partner, and complete your investment through the platform. The structure is designed so investor funds are held in trust by licensed trustees, with partner details published for each offering. Your portfolio gives you a unified view of all your investments.

The platform is structured so real estate bonds are issued by licensed institutions and investor funds are held in trust by licensed trustee companies. BondBricks acts as the marketplace and information platform and never takes custody of your funds. The issuing partner and trustee for each offering are named in that offering's documents before you invest.

You can start investing with as little as $1,000, which buys one whole bond unit — the smallest amount any listing can sell, since bonds are not divisible. That is far below the deposit a property purchase would require, though it is not a sum everyone will have spare, and some listings set a higher minimum of their own. Bonds are priced and charged in the currency of the underlying property, which is US dollars for every current listing, so any figure shown in your local currency is an approximate guide and your card or bank will be debited in US dollars. Note: Identity verification (KYC) is required before your first investment to comply with financial regulations.

You earn interest at the rate published on each bond's listing, paid to your account on that bond's schedule out of the property's rental income. When the bond matures, its face value is repaid. That is the whole return — these bonds do not pay you more when the property rises in value. Interest is not guaranteed: it depends on the property earning enough to pay it, and you can lose money if the borrower defaults.

BondBricks operates as a two-sided marketplace. Property developers submit projects for fundraising, which our team thoroughly vets for quality, location, and growth potential. Once approved, these properties are listed for investors. Developers complete KYB (Know Your Business) verification, submit detailed documentation, and must meet our strict criteria before their projects go live.

BondBricks is a technology and marketplace platform. It is not itself a licensed financial services provider, it does not issue bonds, and it does not hold your funds. Bonds will be issued by licensed partner institutions in your jurisdiction, and investor funds will be held in trust by an independent, regulated trustee. Neither partner has been appointed yet — both will be named before any offering opens, and no money can be invested until they are. This separation means regulated entities handle the financial product while BondBricks provides the technology. All investing carries risk and your capital is at risk.

For investors: a 1.75% transaction fee when you buy or sell bonds, a card processing surcharge if you pay by card, which passes through the Stripe processing cost (2.9% + $0.30 of the total charged) at cost, and a 2% early redemption fee if you sell within 90 days. There are no monthly fees, and every fee is shown before you confirm a transaction. For developers: tiered listing fees ($5K-$35K based on raise size) plus a 1% success fee on capital raised.

You can request to sell your bonds at any time at face value. Sale requests are reviewed and processed, your bonds are returned to availability for new investors, and proceeds are transferred to your verified bank account once settlement completes. You'll be notified at each step. A 1.75% transaction fee applies, plus a 2% early redemption fee if you sell within 90 days of purchase. Processing times vary and liquidity is not guaranteed.

Interest income and capital gains are subject to applicable tax laws in your jurisdiction. We provide annual tax statements and comprehensive tax reporting tools to help you manage your obligations. Consult a tax professional for personal advice.

Real estate bonds carry investment risk like all bond investments backed by real estate, and your capital is at risk. The structure is designed so bonds are issued by licensed institutions and funds are held in trust by licensed trustees, which addresses custody risk but does not remove investment risk. Diversifying across multiple properties can help reduce risk.

There is no minimum holding period. You can request to sell your bonds at any time, though a 2% early redemption fee applies within the first 90 days and processing times vary. Bonds are designed to be held to maturity for their full return. Tax treatment varies by jurisdiction, so consult a tax professional in your region.

Property managers handle tenant defaults and vacancies. Short-term vacancies or defaults may temporarily reduce your interest payments, but the impact is spread across all investors. Professional management minimizes these risks.

Investment through tax-advantaged retirement accounts (such as IRAs in the US, SMSFs in Australia, or similar structures elsewhere) may be possible depending on your region's rules. Check with your financial advisor or account administrator first.

BondBricks operates a two-sided marketplace with transparent revenue streams: Platform Revenue (BondBricks): • Investors: 1.75% transaction fee on buy/sell (plus card surcharge at cost) • Developers: Listing fees ($5K-$35K based on raise size) and a 1% success fee on capital raised Partner Fees (Licensed Financial Institutions): • Any fees charged by the issuing partner or trustee are set by those partners and disclosed in each offering's documents This structure separates technology services (BondBricks) from the regulated financial services provided by licensed partners, and keeps costs transparent.

The structure is designed so your funds are held in trust by licensed trustees (not BondBricks) and bonds are issued by regulated institutions. If BondBricks ceased operations, the trustee would continue managing existing bonds under their original terms, independent of BondBricks. Investment risks (such as issuer default) remain, as with any bond.