Raising property project finance has never been simpler

you stay focused on growing your property business,

we'll focus on your funding

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what we fund

how do i get funding

why borrow from us

case studies

Fast, simple and transparent property project finance for property professionals by property experts.

CrowdProperty offers a full suite of property project funding, catering for all your project finance needs including development finance, refurbishment finance, bridging finance, development exit finance and auction finance. We will review any situation and can develop blended product or customised funding proposals based on the specific needs of a project (no project is too complex for us).

One of our in-house property specialists will get you an illustrative offer within hours and a formal offer typically within 24 hours based on our 5-minute online proposal form here and following up to ask you just the relevant and important subsequent questions. We know that speed and certainty is important to securing good deals - just one of the benefits of dealing with experts who have been there and done it. Together we build your vision.

hear from a decision maker within 24 hours of your application

apply for finance

How is crowdproperty different?

We are property experts and understand your need for speed, ease and certainty
Speak directly to our expert decision makers
Hear from a decision maker within 24 hours of applying
No hidden fees, (there are often so many), complexity nor profit share
No last-minute changes

We work directly with you and in partnership with you, we all want your project to be a success
Up to 100% Loan to Cost (project dependent)
Interest structure tailored to your project
Fast, easy drawdowns
Loans from £100k - £5m+

Crowdproperty finance products

Development Finance

Development Finance

Our Development Finance product helps you complete a new build development or project that significantly adds to an existing property. A drawdown and raise structure will be carefully and knowledgeably designed with you and your project timeline to achieve the best project outcome. Up to 70% LTGDV including interest based with up to 70% LTV on initial purchase/value and 100% of development costs, secured by First Charge.

Heavy Refurb Finance

Our Heavy Refurbishment Finance product helps you complete a major refurbishment project which is not adding significant floor area to the existing property with costs of up to c.50% of the market value of the asset (location dependent). If best for the project, a drawdown and raise structure will be carefully and knowledgeably designed with you and your project timeline to achieve the best project outcome. Up to 70% LTGDV including interest based with up to 70% LTV on initial purchase/value and 100% of refurbishment costs.

Light Refurb Finance

Our Light Refurbishment Finance product helps you complete a modest refurbishment project with costs of c.15%-50% of the market value of the asset (location dependent). In additional to residential improvement projects, conversions to HMOs and other end-usage types are most likely to fall within this product. Up to 70% LTGDV including interest based with up to 70% LTV on initial purchase/value and 100% of refurbishment costs.

HMO & Co-Living Finance

Our HMO & Co-Living Finance product provides temporary finance of 6-18 months to enable you to secure the purchase of the property and fund necessary conversion works to adapt to a qualifying HMO. Within this period, you will be able to complete the works, obtain the HMO licence, let the rooms and process the refinance onto a long-term mortgage. We particularly excel at funding this type of project, working in partnership with you to put together the perfect package and working alongside you throughout to help your project get completed.

Planning Gain Finance

Our Planning Gain Finance product enables you to secure developments which have not yet received the benefit of planning permission, helping to fund asset acquisitions, planning surveys and applications costs in arrears. All applications will be appraised by our in-house planning team, who will advise on the likelihood of planning permission being granted. As part of risk management, Developers may be required to enter into an abortive planning costs insurance policy to protect LTVs in a planning refusal scenario. Once planning permission has been granted, you can migrate onto a CrowdProperty Development Finance loan to progress the project.

Bridging Finance

Our Bridging Finance product can help you secure a property purchase quickly, span stages through a property project, unlock capital from an asset or fund a moderate level of works. It is structured in a single drawdown and can be serviced with monthly interest-only payments with an option for rolled up interest if appropriate. Up to 75% LTV, secured by First Charge.

Auction Finance

Our Auction Finance product fast-tracks completion to guarantee delivery of the finance you need within tight auction timescales. Often the funding purpose will align to one of the products above where the asset is to be developed or refurbished with speed and certainty even more important. Up to 75% LTV.

Development Exit / Development, Finish & Exit Finance

Our Development Exit Finance product helps you to bridge the period between finishing (or almost finishing) a development project, releasing the commitments of a development finance loan and providing breathing space to achieve the most successful exit for your project, whether a sale or a refinance onto long-term finance. Up to 75% LTV.

Airspace Development Finance

Our Airspace Development Finance product enables SME developers to pursue ambitious and creative opportunities by unlocking the potential development space above existing buildings in desirable locations. Airspace development projects are an innovative solution to the UK’s housing crisis, often using methods at the cutting edge of construction such as modular structures. We have successfully funded projects using this novel approach, and expect this market to grow in order to deliver much-needed housing supply.

Modern Methods of Construction Finance

Our Modern Methods of Construction Finance caters for new methods of construction, Modular, SIPP, ICF etc. As property experts we understand new methods at the cutting edge of construction and are able to structure a loan to suit the unique cashflows required for these complex projects. One such example is an air-rights modular build successfully funded on our platform, we have also successfully funded SIPP projects.

Development Joint Venture Finance

Our Development Joint Venture Finance caters for situations where you, the developer, and an asset owner work together. As property experts, we know using joint ventures in property development allows you to ease cashflow demands, share and spread knowledge with other parties, unlock development opportunities and find specialist skillsets to help you complete your deal.

Special Situations Finance

Our Special Situations Funding product caters for unique, often complex projects that may not fall naturally into the lending categories above. As experts, we will review any situation and can develop blended product or customised funding proposals based on the specific needs of a project. No project is too complex for our in-house property specialists. One such example is the acquisition of a portfolio of properties with a plan to undertake rolling conversions into HMOs and exit property by property onto long-term commercial finance.

Scope of lending

CrowdProperty will lend against both residential and mixed-use end product including HMO, Affordable Housing, Serviced Accommodation, Co-Living and other emerging living formats; commercial to residential conversions and modern construction methods (eg modular) freehold and leasehold (60+ years);

purchases and refinances in England, Wales, Scotland and Northern Ireland. CrowdProperty funding is for investment reasons only and not for personal residential purposes.

Rates

CrowdProperty rates and fees are very competitive with the rest of the market within a range of 0.62%-0.88% per month, primarily depending on level of debt, project economics and developer experience. We work directly with our property professional borrowers meaning that not only are there no intermediary fees but most importantly we develop a close partnership through the application, pre-completion and project phases. There are no hidden or excessive hard costs and working with our experts at CrowdProperty means that your funding will be realised quickly and easily, saving time and effort that can be used growing your property business quicker

Our borrowers say they come back to us time and again because we give much more than a fast, simple and transparent route to finance. They say we are different because we really understand the property project journey, working in expert partnership. They trust and value the close, direct and efficient relationship they have with us that gets closer and closer over time and multiple raises. Together we'll build your vision.

How do i get funding?

apply
online

Fill in our simple 1-page form in less than 5 minutes

speak to
our experts

Discuss your project with a decision maker

We approve
your project

We’ll give you a formal offer if it meets our requirements

the crowd
pledges money

Members of the public fund your project

we work
alongside you

Throughout the process our experts are always on hand to assist

together we build your vision

apply for finance

why borrow from crowdproperty?

we understand that speed and certainty are critical to securing, completing and executing the most profitable property projects. that's why we've worked hard to streamline the process of raising project finance.

short & simple application

Fill in our project proposal form in less than 5 minutes

informal offer within 24 hours

A simple yes or no answer within 24 hours of your proposal. Speak to a decision maker and we will give you a figure of what we could loan

get your finance fast

On giving a formal offer, we can raise finance from our thousands of investors and have the money with you in days*

always transparent

With CrowdProperty there are no hidden fees and no added complexity

speak to the experts

Our team has almost 100 years experience in property and is always on hand to help

*Assuming necessary legal work has begun and the RICS valuation has been undertaken promptly

£345.23m

property funded

£206.67m

facilities agreed

£160.54m

lent

1,746

homes funded

15,955

investors

100%

capital & interest payback

Leading

Industry

Recognition

We are excited to announce that CrowdProperty has been named a finalist in not just one but two categories in the prestigious Property Week Property Awards 2019.

We are finalists in both 'Financier/Lender of the Year' & 'PropTech Innovator of the Year' and are amongst many of the biggest and best-known players in UK and Global Real Estate across the award categories. The awards are the UK’s leading and most prestigious annual awards dedicated to the full spectrum of the property industry.

This is leading industry recognition of excellence in the two categories that together are core to us creating a technology-enabled, innovative business that is disrupting the funding of property projects like no other, delivering a better deal for both borrowers and lenders and enabling property professionals like you to build your property businesses quicker.

Source: CrowdProperty UK recognition and awards.

We are proud to have raised finance for many property professionals, funding the building of 1,746 homes worth £345,233,990 across 183 projects.

We fund every type of property project and on the case-studies page you can view videos from some of the people and projects that we have funded. On our project photo wall further down the case-studies page you can find out all about any of the 388 projects - simply scroll through the photos and click on the image that looks like your project - from a £100,000 loan on a student HMO development through auction purchases to £10,000,000 new build projects.

Whatever your project is, ask our experts to take a look and give you a view on it - we're here to help. Simply complete our 5 minute application form here.

video case studies

Source: Borrowers (Property Developers) in the CrowdProperty UK platform.

view all case studies

p2p lending is the future

Personally, I think P2P lending through trusted sites like CrowdProperty is definitely the future, we're moving away from centralised banks with all the money and people want to lend each other money to do great projects.

Mo Haykir

property developer
london

trusted lender

CrowdProperty are now our go to lender so we consider them for everything we borrow money on.

Peter Dabner

Property developer
turnbridge wells

a true partnership

We felt that we had a second pair of expert eyes looking at the deal with us so that was a safety net that someone else from CrowdProperty was looking at it assessing the deal.

Billy Turriff

property developer
liverpool

Game changer

Throughout the whole process CrowdProperty were incredibly easy to work with - the customer service and care was so refreshing after decades of dealing with cumbersome processes at traditional lenders that would take up 90-95% of my time. Working with CrowdProperty means that I can focus on what I’m great at and they can sort the finance, quickly and simply. It’s outstanding, they’re a game changer.

Karim Ladhu

Property Developer
Somerset

Great to work with

I have used other platforms in the past but I like funding through CrowdProperty because of your speed and responsiveness. I like the way you do business.

Dennis Pagdin

Property Developer
West Yorkshire

Property Experts

CrowdProperty is different to bank lending as the team behind it are experienced developers themselves, so they really understand what you’re going through when you’re doing the initial due diligence to projects.

Mo Haykir

Property Developer
London

Trusted Lender

We had such a good experience with working with CrowdProperty with this project, that we’re now bringing another project onto the platform.

Mo Haykir

Property Developer
London

Understand Property

The primary difference between CrowdProperty and a traditional lender is they look far more at the people behind it and the quality of the deal.

Philip Bailey

Property Developer
London

Property Professionals

We are dealing with somebody who has experience generally in property development and our business as well as just lending. Commercial lenders are specialists in lending not necessarily project development or property.

Peter Dabner

Property Developer
Tunbridge Wells

p2p lending is the future

Mo Haykir

property developer
london

trusted lender

CrowdProperty are now our go to lender so we consider them for everything we borrow money on.

Peter Dabner

Property developer
turnbridge wells

a true partnership

We felt that we had a second pair of expert eyes looking at the deal with us so that was a safety net that someone else from CrowdProperty was looking at it assessing the deal.

Billy Turriff

property developer
liverpool

Game changer

Karim Ladhu

Property Developer
Somerset

Great to work with

I have used other platforms in the past but I like funding through CrowdProperty because of your speed and responsiveness. I like the way you do business.

Dennis Pagdin