Together we build a better future for all.

Our vision and values.

Our vision at CrowdProperty is to build a more rewarding and secure financial era whilst making a positive contribution to society.

We push the boundaries of technology so that, unlike banks, we efficiently bring together thousands of individual investors to directly back small, professional housing developers.

Our founders are leaders in the property industry. Using our expertise, we ensure we select and oversee only the very best residential property development projects for investment.

Millions of pounds of housing refurbishments, conversions and new builds have been successfully completed and sold, generating income for everyone and helping to address the housing supply imbalance in the UK. Since our inception, CrowdProperty has funded millions of pounds worth of refurbishments, conversions and new builds. Our development loans play a key part in helping meet a rising demand for quality homes, whilst helping investors achieve interest far beyond that which the banks can offer. We all share in projects’ success, keeping true to the original fair ethos of peer-to-peer lending.

Together we have a huge impact.

Our story.

CrowdProperty was one of the first specialist property peer-to-peer lending companies to be established. Founded in 2013 and lending since 2014, we have swiftly become one of the UK’s leading property specialist peer-to-peer lenders, facilitating more than £20 million of short-term loans to SME property professionals, making possible a wide range of successful development projects.

CrowdProperty has been FCA Authorised since the 1st November 2017 having proven that our processes are robust, our platform stable and our due diligence rigorous, as well as confirming our commitment to transparency and client focus. CrowdProperty is also an HMRC-approved ISA manager offering tax-wrapper ISA benefits to lenders through the CrowdProperty ISA.

The Government recognises the important contribution that peer-to-peer lending makes to the UK economy and, as part of this pioneering industry, CrowdProperty are proud to be a completely independent marketplace, doing our bit to boost the residential property sector.

Our CEO’s view

On appointment to CEO, co-founder Mike Bristow shared his views on CrowdProperty with the press, saying: “I am delighted to take up the CEO position at this exciting time in the company’s development. We are investing across all levels and functions of the business, with the aim of becoming the number one place for SME property professionals to easily raise finance for development projects. We have more than 5,000 registered lenders and it is my responsibility to ensure that we maintain our 100% payback record to them, realising the 8% annual return on the projects they lend to. As CrowdProperty grows, our strategy is to keep true to the original ethos of P2P, by giving our lenders the autonomy to choose which of the wide range of quality projects on our platform they wish to invest in.

“Lenders tell us that they keep coming back to us for three big reasons: the expertise of our board in only selecting quality projects; the level of security we offer and the recoverability of our lenders’ funds. Our founding team shares almost 100 years’ property experience – which means we undertake stronger, quicker and more relevant due diligence and so only independently approve and list the best and most secure projects. We insist on first charge security on all projects we finance (just like the security and rights a mortgage company holds over a residential home) and, in the unlikely event that a default occurs, we would manage the project to completion or find the best alternative options to recover our lenders’ capital and interest. We don’t blindly repossess and fire-sell which other finance companies might do.

“Our experience also gives us a critical edge in truly understanding our customers and their needs, especially as surprisingly few lenders in both the traditional and peer to peer markets have direct, hands on experience in what they’re lending against and where they have, not many are independent of the projects offered. The system we have built over the last 4 years is proven, robust and now delivering the exponential growth that we know we can achieve. It also boasts superior economics to almost any peer to peer lending platform in the market and further benefits from our specialist focus on property – the highest growth peer to peer lending sector in the UK, which leads the world in property P2P lending.

“Fundamentally, we are solving major pains being experienced on both sides of our marketplace. On the one hand, property professionals are receiving appalling service from traditional funding providers, especially in terms of ease, speed, expertise and access to decision makers, all of which are pivotal to our proposition. On the other hand the general public are mostly getting sub-inflation returns on their savings – according to the Bank of England there is £1.3tr in savings accounts earning on average 0.8% interest. The big reason we can offer higher returns of 8%, is because of our structural cost advantage. We don’t have the high cost bases of traditional lenders, which include, for instance, their branch networks, origination costs and legacy IT systems. The CrowdProperty ISA then adds a tax-free cherry on top of the cake.”

Six reasons to use CrowdProperty

We live and breathe property.

Collectively, our team has almost 100 years' experience in the UK property market and we know what makes a great deal. This expertise in property is one thing that we believe sets us apart from other peer-to-peer loan providers. It means we can spot a good deal where some other lenders can’t. Our carefully curated list of projects only get approved when we can secure a first charge on the property for our lenders.

Each project is given our stamp of approval.

Every property project you see on CrowdProperty has been put through our extensive screening process, and we will only ever approve a project that we strongly believe will be a successful project. We want to ensure projects deliver, to maintain trust and certainty with our lenders. We are very careful which projects we approve.

Potentially better returns than other investments.

The world is getting more expensive. Making a good return on your money can be difficult and you naturally want to get the highest return you can on your investments. You could potentially receive 8% per annum* gross return on the money you lend. CrowdProperty is all about making your money work harder for you.

* Returns are not guaranteed. See our full risk warning for more information.

No hidden fees.

We charge an arrangement fee of between for our services direct from the borrower once the project has successfully reached its funding target. Unlike some other funding platforms, we do not take any fees from the lenders. This is because our overheads are low and we don’t believe we should take fees from both sides.

It’s all or nothing.

Projects will be funded if they reach the full funding target. Despite us giving every project our own stamp of approval, it’s up to the crowd to decide what gets funded. Fortunately, from our own time in the property business we know lots of professional and sophisticated investors who trust our opinion that we can contact to help with funding if a project ever looks like it might not reach its funding target.

It’s up to you.

We do everything we possibly can to make sure every project on CrowdProperty is a reliable opportunity for our lenders. As well as completing extensive due diligence before approving a project, we also make sure we have the first legal charge over a property just in case anything doesn’t go to plan. Our primary concern is making sure that our lenders loans are secure, but as with all loans for property our expertise does not absolve the lender from risk. We actively encourage all of our lenders to complete their own research or seek advice from an Independent Financial Adviser if they are ever unsure about funding a project.

Returns are not guaranteed and your capital is at risk. See full risk warning for more information.

Meet key members of our team.

All of our people share our vision to provide a simple, fair and transparent investment platform that gives greater benefits to investors and borrowers alike.

Our skilled in-house personnel are led by professionals with deep expertise in the property industry, and who all have hands-on experience developing their own property portfolios.

Our founders are leaders in the property industry. Using our expertise, we ensure we select and oversee only the very best residential property development projects for investment.

Our founding team shares almost 100 years’ property experience which provides us with a critical edge - we understand the intricacies of projects and developers, which enables us to complete stronger, quicker and more relevant due diligence and to lend more on occasion than traditional lenders.

Photograph of Mike Bristow

Mike Bristow

CEO and Co-founder

Mike Bristow is responsible for CrowdProperty’s overall strategy and development, bringing a wealth of business building, private equity and strategy consulting expertise in addition to considerable property investment, alternative finance and technology experience. He has more than 18 years’ strategic advisory experience across a wide range of leading international companies and private equity funds and has particular expertise in consumer, B2B2C, digital and real estate sectors, which makes him the perfect choice to lead CrowdProperty in fulfilling its huge growth potential.

Mike was, most recently, Managing Partner at the Strategy, M&A and Ventures consultancy, Growth Strategy, a very active investor in property technology (proptech) early-stage businesses and is also a mentor and investor at Pi Labs Property Innovation, Europe’s first venture capital platform exclusively investing in the proptech sector. He is also Co-Founder and Chairman of The Cooperative Property Company, a property investment company focusing on acquiring, developing and operating high yielding residential property in London, complemented by 16 years of experience in building his own property portfolio. As an active venture capital investor, Mike is particularly focused on proptech and the potential that marketplace solutions have in the property sector alongside other scalable tech-driven businesses with talented founding teams cracking material problems with sustainable competitive advantage.

Having co-founded CrowdProperty in 2013 and being on the Board as a Non-Executive Director since it was established, he was appointed CEO in 2018 with fellow co-founder, Simon Zutshi, becoming Chairman.

Mike obtained a First Class Masters in Mechanical Engineering from the University of Birmingham, completed an MBA at London Business School and recently the FT Non-Executive Director Diploma.

Outside his diverse professional activities, Mike is a father of two who enjoys playing and watching sport, travelling and savouring gastronomic delights.

Photograph of Andrew Hall

Andrew Hall

Property Director and Co-founder

Andrew is responsible for building our capabilities in appraising development opportunities. It’s a role perfectly suited to his rich background in property and highly detailed, analytical and professional approach.

Andrew has around 30 years of investment and development experience spanning commercial and residential property both in a personal capacity and as a trained Chartered Surveyor. He joined the Royal Institute of Chartered Surveyors (RICS) in 1988 and has worked for prestigious firms such as BNP Paribas Real Estate, GVA Grimleys and Severn Trent PLC in a variety of roles, with responsibility for developing and project managing over c£150m worth of property.

Needless to say he has a full understanding of many different property development structures and deal types both as a sector professional and in his own right as a private investor and developer, currently holding a personal portfolio of c£1m value.

When he’s not working on property related projects, Andrew is a family man and otherwise can be found watching or taking part in number of sports, particularly football, cricket, rugby and skiing.

Photograph of Simon Zutshi

Simon Zutshi

Chairman and Co-founder

CrowdProperty is the result of Simon’s vision to make it possible for anyone to make money from property and giving experienced property developers a superior platform to finance their projects.

As Chairman, Simon adds expertise in what makes a great deal and is widely recognised as one of the top mentors, educators and influencers in UK property.

Simon has been a property investor since 1995, when he was a graduate trainee at Cadburys. He founded the Property Investors Network in 2003, which has grown to become the largest network for property investors in the UK, and he also created and runs one of the most successful property education businesses in the UK.

Simon has been a property investor since 1995. As a graduate trainee at Cadburys, he founded the Property Investors Network in 2003 which has grown to become the largest network for property investors in the UK. He also created and runs one of the most successful property education businesses in the UK.

Since 2011 Simon has been focused on larger development projects with GDV between £800k and £2.2 million, whilst holding a personal multimillion-pound portfolio built over the years. Outside of property he is a keen skier and enjoys good food and watching films.

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