statistics

at crowdproperty we are proud to
support the building of great british homes

£103.43m

property funded

626

homes funded

£40.57m

lent

7,935

investors

100%

payback

£14.46m

repaid

together we build great british homes

Investing through crowdproperty supports small and medium sized property businesses. By investing, you play a valuable part in addressing the nation’s undersupply of housing by financing the building of the estimated 300,000* new homes required each year for the united kingdom.

In 'Fixing our Broken Housing Market', the main housing white paper published in February 2017, the UK Government specifically identified small and medium sized property businesses as having a key role in solving the housing crisis. Proposals focused on unlocking sites, planning constraints, construction barriers and funding for this segment. They committed to 'make more land available for homes in the right places by maximising the contribution from brownfield and surplus public land, regenerating estates, releasing more small and medium sized sites, allowing rural communities to grow and making it easier to build new settlements'. 

Crowdproperty is committed to providing sustainable finance through our investors to together build great british homes by addressing a broken and inefficient source of funding for property professionals.

performance transparency

At CrowdProperty we follow the principles and guidance of the Peer-To-Peer Finance Association (P2PFA), the leading regulatory body for peer-to-peer lending in the UK. CrowdProperty is the only property development/bridging member of the P2PFA and we publish thorough performance data to promote transparency and accountability, a principle core to our values.
All our previous loans are available to view on our website with the overall and annual key statistics shown below.
Our insistence on transparency and best practice in every way has resulted in us working with Brismo (formerly Altfi Data), the leading provider of standardised loan performance data. Brismo scrutinise every loan and loan cashflow to derive independent, like for like platform comparability.
This has validated our 100% track record and underlines our commitment to be held accountable for the performance of every loan we originate both historically and going forward.
detailed statistics by year
2015 2016 2017 2018 2019 (ytd) total
Total Originated £2,287,500 £4,026,000 £5,171,500 £15,378,392 £13,710,986 £40,574,387
Average Size of Loan £326,786 £335,500 £517,537 £480,799 £390,653 £421,995
Number of Loans 7 12 10 32 36 97
Total GDV funded £4,486,000 £11,713,500 £11,677,000 £46,550,500 £29,003,440 £103,430,440
Total Units Funded 30 71 83 301 141 626
Average Loan Term 10 months 12 months 15 months 15 months 14 months 14 months
Loan to current market value1 60.0% 64.2% 66.8% 59.7% 59.9% 60.8%
Loan to GDV Excluding Interest2 55.1% 47.4% 48.9% 52.7% 57.0% 53.0%
Loan to GDV Including Interest3 60.2% 52.3% 57.3% 60.2% 61.5% 59.0%
Total Loans > 180 Days Late4 1 2 0 0 0 3
Total Loans > 180 Days Late Repaid 1 2 0 0 0 3
Actual Defaults 0% 0% 0% 0% 0% 0%
Expected Defaults5 0% 0% 0% 0% 0% 0%
Total Capital Paid Back £2,287,500 £4,026,000 £4,843,581 £2,051,858 £0 £13,208,939
Total Interest Paid Back £243,708 £404,763 £476,706 £112,710 £11,449 £1,249,336
Total Paid Back £2,531,208 £4,430,763 £5,320,288 £2,164,567 £11,449 £14,458,275
Borrower Contract Rate6 11.71% 10.00% 10.00% 10.00% 9.83% 10.05%
Borrower Actual Rate7 15.66% 10.17% 10.25% 10.00% 10.00% 10.46%
Lender Contract Rate6 9.71% 8.00% 8.00% 8.00% 7.91% 8.08%
Lender Actual Rate7 13.03% 8.17% 8.07% 8.00% 8.00% 8.42%
  1. Loan to current market value is the average of the first release of capital to the borrower divided by the Current Market Value of the property being offered as security. In 2019, we introduced serviced bridging loans with up to 75% LTV. This means that the average LTV in 2019 may be higher than in previous years.
  2. Loan to GDV Excluding Interest is the planned total capital facility divided by the RICS assessed Gross Development Value (GDV) averaged over all projects.
  3. Loan to GDV Including Interest is the planned total capital facility plus interest divided by the RICS assessed Gross Development Value (GDV) averaged over all projects.
  4. Total Loans > 180 Days Late As per P2PFA policy, Brismo methodology and FCA proposals, technical default of a property development loan is 180 days which must be disclosed. CrowdProperty has recovered all > 180 days late loans fully in terms of both capital and interest.
  5. Expected Defaults are 0% due to retaining 1st Charge security on all projects we fund through the platform. Defaults are defined in this case as any loss of Capital or expected Interest. Retaining the 1st Charge on behalf of lenders means that in the case of a borrower not being able to complete a project CrowdProperty would be able to take over legal control and complete or sell the project.
  6. Contracted Rates for Borrower and Lenders are the averages across all loan agreements.
  7. Actual Rates show the real returns for Lenders and the actual paid by Borrowers. This is based on the actual interest paid for all projects. Some actual rates will be higher than 8% for Lenders as some loans have run late and will be subject to a higher rate. In 2015, higher than normal Actual rates were achieved due to a Loan being paid back early which was subject a minimum interest payment that resulted in a high annualised rate. For the overall actual rates the outlier in 2015 has been excluded to better represent the usual performance of CrowdProperty Loans. If the outlier was included, the overall rate would represent a higher than expected rate.
  8. All reporting is based on the year of origination.
    For all averages, subsequent raises are not included in the averages to ensure no double counting.
    RICS – Royal Institution of Chartered Surveyors

This material contains statistics that have been prepared by CrowdProperty. The underlying data is based on past projects, however this information should not be construed as legal, tax, investment, financial, or accounting advice.

Any future forecasts that are shown combine our knowledge, with a number of risks, uncertainties and assumptions about any future states, many of these are beyond the control of CrowdProperty.

Nothing contained within the information provided is or should be relied upon as a warranty, promise, or representation, express or implied, as to the future performance of any loan through CrowdProperty. Any historical information contained in this statistical information is not indicative of future performance.

Independent performance verification by brismo
Data sourced from https://brismo.com.

Scrutiny and verification of our loan book over the full history of the platform by Brismo independently verifies our 100% track record and the significantly higher returns delivered by CrowdProperty versus the overall UK peer-to-peer lending returns index.

Brismo’s methodology is explained in detail on their website, but in summary, Brismo analyse every loan, tracking loan cashflows against initial capital, expected interest and the loan term originally contracted. Loans which are later than the FCA proposed and P2PFA definition of technical default (180 days for property development), or otherwise marked as defaulted for any other reason by CrowdProperty, have industry standard capital write down assumptions applied to them, thereby supressing return accruals. The early-to-mid 2017 dip in the CrowdProperty returns line shows this effect from the 3 loans extended by more than 180 days (from our 2015 and 2016 loan cohorts). The recovery in the CrowdProperty returns line is then caused by 100% recovery of the capital and interest for these late-running loans.

As full supporters of the FCA’s recent call for improved and consistent disclosure in the peer-to-peer lending sector, in addition to ongoing best-in-class disclosure on this page, CrowdProperty now provides Brismo with monthly updates on each loan at a cashflow level. Such independently verified performance metrics bring efficiency to the investment process, support our segment-leading disclosure standards, validate our 100% track record and strong returns performance, and underline our commitment to be held accountable for the performance of every loan that we originate both historically and going forward.

£40.57m

invested

7,935

investors

100%

payback

£14.46m

repaid

Your capital is at risk. No FSCS protection. Past performance is not an indicator of future results. Tax treatment depends on individual circumstances and may change. full risk warning.

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Peer2Peer Financing Association
UK crowdfunding
UK Proptech Association
Brismo