Peer-to-Peer Lending: Invest In Secured Property Loans

Lend direct to developers or property owners. Earn up to 10% p.a.

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Legal charge secured against UK property, however property values can go down as well as up so your capital is at risk and rates are also not guaranteed. Investments are illiquid so you are committed for the full period of the loan, which may be delayed. Not covered by the Financial Services Compensation Scheme (FSCS). Please read our full risk warning.

Invest According To Your Own Preference
For Risk & Reward

Choose the Auto-Invest Product that suits you: Cautious, Balanced or Bold

Here at The House Crowd you can choose from our three Auto-Invest products, all of which you can invest Tax-Free via our Innovative Finance ISA or SIPP. Your investment is pooled with other investors' money and automatically spread across a range of our property-backed secured Peer-to-Peer loans. Auto-Invest gives you all the benefits of Peer-to-Peer lending without the hassle of selecting individual developments or loans. So, just sit back and relax whilst we automatically diversify your funds and collect your interest for you, 7 days a week, 365 days a year. It's the smarter way to invest!

ISA & SIPP eligible

5%

Cautious

Target Rate (p.a.)

Automatically diversify your money across our property-backed Peer-to-Peer loans

  • Max LTV: 65%
  • Minimum Investment: £1,000
  • Minimum Term: 12 months
  • Notice Period: 30 days
  • Interest Paid Out: Twice a year

No Fees Applicable

Invest
ISA & SIPP eligible

6%

Balanced

Target Rate (p.a.)

Automatically diversify your money across our property-backed Peer-to-Peer loans

  • Max LTV: 75%
  • Minimum Investment: £1,000
  • Minimum Term: 12 months
  • Notice Period: 30 days
  • Interest Paid Out: Twice a year

No Fees Applicable

Invest
ISA & SIPP eligible

7%

Bold

Target Rate (p.a.)

Automatically diversify your money across our property-backed Peer-to-Peer loans

  • Max LTV: 80%
  • Minimum Investment: £1,000
  • Minimum Term: 12 months
  • Notice Period: 30 days
  • Interest Paid Out: Twice a year

No Fees Applicable

Invest

How We Perform

* Approximate running total of investment in all products since 2012 - figures last updated 30/10/2020.
** Average returns based on loan portfolio including development loans 2016-2020 (average returns by year (p.a.): 2016=9.3%, 2017=9.7%, 2018=8.5%, 2019=8.2%, 2020=6.64% YTD) Remember past performance is not a reliable indicator of future performance.
*** Capital and returns (interest and dividends) paid to date to investors - figures last updated 15/07/2020

How it works

How To Invest

  1. Read our terms and make sure you are happy to proceed
  2. Register your account to view our live investments.
  3. Select the property investment you would like to invest in
  4. Returns will be paid to your account in accordance with the payment schedule for the relevant investment

Reasons to Invest

Here's What Our Members Think

Trustpilot
Customer Reviews

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Why Bring Peer To Peer Lending
and Property Investment together?

Because both are considered worthwhile ways to generate profit – and because they complement each other more than you might think.

Even highly diversified unsecured peer to peer lending comes with too much risk for a lot of investors, while buy-to-let has a number of barriers to entry: regulation is disincentivising landlords, and in any case, if you’re looking to build a nest egg, it’s very hard to do so when the market is tailored to the needs of high net worth individuals (especially when you’re required to tie up capital in a property over the long term).

At The House Crowd, we combine property investment with secured peer to peer lending to create the perfect blend. You can band together with other investors to fund a single property, a bigger development or a loan for a homeowner with average returns of 8.57% p.a from 2016 to 2020 (average returns by year: 2016 = 8.8% p.a., 2017 = 9.7% p.a., 2018 = 8.9% p.a., 2019 = 8.2% p.a., 2020 = 6.64% YTD. Remember, past performance is not a guide to future performance).

We operate quickly, transparently, and efficiently: we review every loan application thoroughly and we issue offers to applicants that are designed to meet their borrowing needs, while guaranteeing appropriate investment returns. We stay in contact with the borrower throughout the loan term to ensure it is redeemed promptly.

Loans are structured to ensure you won’t pay any fees or penalties, and are secured against the underlying value of the property or the land upon which property is being developed.

Finally, though secured peer to peer lending is one of our primary products, it’s not the only way to partner with us. We also offer an Innovative Finance ISA, property development investment and an auto-invest product designed to take all of the hassle out of portfolio management!

Open your House Crowd account today or contact one of our specialists to review your secured investment options.

Register Now