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ApportionReal Estate
Pillar guide

Fractional commercial property investment

How to own a share of a UK warehouse, industrial estate, office or shop without buying the whole building.

One warehouse, many shareholdersUNIT 4 · 48,000 SQ FTD1D2D3D4OWNERSHIP OF UNIT 4 LTD · 56,000 SHARES · 100% OF THE BUILDINGJ. Smithowns 12%A. Patelowns 9%R. Okaforowns 6%D. Hughesowns 4%Other shareholdersowns 69%SAMPLE OWNERSHIP · ONE WAREHOUSE, MANY SHAREHOLDERS

What it is

Commercial buildings usually cost millions of pounds, which has kept them out of reach for most individual investors. Fractional ownership splits a building into shares. Each building is held by its own company, investors buy shares in that company, and each investor receives a share of the net rent and of the sale proceeds in proportion to their holding.

Why commercial property

  • Business tenants: occupiers are companies rather than households.
  • Longer leases: industrial and office leases are often several years long, sometimes with fixed or index-linked rent reviews.
  • Tenant-paid costs: many leases are on full repairing and insuring terms.
  • Diversification: commercial property behaves differently from shares, bonds and residential property.

The main commercial sectors

Industrial and logistics

Warehouses, trade counters and multi-let estates. Our main focus. See warehouse investment by location and industrial property explained.

Offices

Demand has polarised towards smaller, high-quality, energy-efficient space in good locations.

Retail and mixed use

Convenience-led parades and high street buildings with homes above can provide a mix of commercial and residential income.

How returns work

Returns come from net rental income paid as dividends and from any change in the building's value when it is sold. Values are linked to rents and to commercial property yields, which tend to rise when interest rates rise.

How it works with Apportion Real Estate

  1. Choose a building and read its full property pack.
  2. Buy shares in the company that owns it.
  3. Receive your share of distributed net rent.
  4. Sell to another investor if a buyer exists, or receive your share when the building is sold.

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Risks

Commercial property values can fall, tenants can leave or fail, and an empty building costs the owner rates, insurance and repairs. Shares are illiquid. Read our risk summary.

Frequently asked questions

What is fractional commercial property investment?

It is owning a share of a commercial building, such as a warehouse, industrial estate, office or shop, by buying shares in the company that owns it. You receive your share of the net rent and of the sale proceeds.

How is commercial different from residential fractional investment?

Commercial buildings are let to businesses on commercial leases, often longer and on full repairing and insuring terms. Residential property is let to households on shorter tenancies with more landlord obligations.

What are the main risks?

The building's value can fall, tenants can leave or fail, empty units cost the owner money, and shares can be hard to sell before the property is sold. You could lose some or all of your investment.

Can I hold fractional commercial property in an ISA?

Shares in unlisted property companies generally cannot be held in a standard Stocks and Shares ISA. Check the eligibility of any specific product.