Compliance & Memberships

At KRM Property Investments Ltd, we take compliance seriously. We want investors, sellers and agents to know who regulates us, how their money and data are protected, and what they can do if something goes wrong.

Compliance & Professional Memberships

Propertymark (NAEA)

KRM Property Investments Ltd is a member of Propertymark, the leading professional body for property agents in the UK.

– Director: Ricardo McCarthy, MNAEA (Member of the National Association of Estate Agents)
– Commitment to ongoing training and CPD ( Continuous Professional Development )
– Adherence to Propertymark’s Conduct and Membership Rules

What this means for you:
You are working with a business that follows recognised industry standards and is committed to professionalism and accountability.

The Property Ombudsman

We are registered with The Property Ombudsman (TPO), an approved redress scheme for estate agents and property professionals in the UK. Our membership covers our estate agency and property sourcing (deal packaging) activities.

TPO Membership Number: T11488

What this means for you:
– If you have a complaint that we cannot resolve together, you can refer it to an independent redress scheme at no cost to you.
– TPO can review your case and, where appropriate, make an award or recommendation.

Our full Complaints Procedure is available here and explains the steps to follow before escalating a complaint to TPO.

Client Money Protection

Where we hold client money, we are covered by a Client Money Protection (CMP) scheme through Propertymark.

CMP Membership Number: C0140221

All client funds we hold are paid into a designated client money account separate from our own business funds.

What this means for you:
– If we hold money on your behalf (for example, certain investor fees held in a client account pending exchange or completion), those monies are protected by a recognised CMP scheme, subject to the scheme’s terms and conditions.

HMRC AML Supervision

KRM Property Investments Ltd is supervised by HM Revenue & Customs (HMRC) for Anti-Money Laundering.

What this means for you:
– We must carry out Know Your Customer (KYC) checks on investors, sellers and (where relevant) beneficial owners.
– We may request proof of identity, proof of address and, for investors, evidence of funds or source of wealth.
– We are required to monitor and, where necessary, report suspicious activity in line with UK law.

This protects both you and us from being involved in financial crime and supports the integrity of the property sector.

Data Protection
ICO Registration

We are registered with the Information Commissioner’s Office (ICO) for data protection.
ICO Registration Reference: ZB742587

What this means for you:

We must handle your personal data lawfully, fairly and securely.
We only collect information we genuinely need to provide our services.
You have rights over your data, including the right to access and request corrections.
For more detail, please see our Privacy Policy.

Professional Indemnity Insurance

KRM Property Investments Ltd holds Professional Indemnity (PI) insurance appropriate to the nature and scale of our business.

What this means for you:
There is an additional layer of protection in place in the unlikely event that you suffer a financial loss as a result of a covered professional error on our part (subject to the insurer’s terms and conditions).

How We Handle Client Money

Where we hold money on behalf of clients, we follow these principles:
Client money is held in a separate client money account with a UK bank.
We maintain clear records of who each payment belongs to and what it relates to.
We do not mix client money with our operating funds.
We follow Propertymark and CMP rules for client accounting, reconciliation and record-keeping.
Full details are set out in our Terms & Conditions and any Client Money Handling wording within our documentation.

Our Role and Important Limitations

To avoid any confusion, here is how we work with investors:
We source, analyse and package property opportunities for investors, using current market data, local comparables and realistic assumptions.
We take great care to ensure that our figures, examples and projections are well-researched and as accurate as possible at the time we prepare them.
However, property values, rents, interest rates and costs can change over time, so our figures should always be treated as informed estimates, not guaranteed outcomes.
We do not provide regulated financial advice, tax advice or legal advice, and we are not authorised by the Financial Conduct Authority (FCA).
We expect and encourage our investors to sense-check our numbers with their own professional team, for example, a solicitor, tax adviser, mortgage broker and/or financial adviser, before proceeding with any purchase or investment decision. Our aim is that the work we do gives you a strong, reliable basis for those conversations and for your final decision.

Professional Memberships