Newton Heath and Marple Development Updates

Newton Heath and Marple Development Updates

Newton Heath Manchester
It has been a few weeks since our last update for the new build development of townhouses in Newton Heath Manchester.
In fact in the last blog it really did look like a building site.
A few months later and the interior designers have worked their magic and the contemporary living spaces are starting to look like homes.



As you can see from the photographs, the light open kitchen dining areas should prove very popular for those modern families who enjoying entertaining.


The spacious lounge area and bedrooms certainly make these properties stand out from other townhouses in the area.
The bedrooms have been decorated and dressed in soft neutrals to ensure the light airy feel continues throughout.


The team have worked hard to ensure that the finish and specification in the bathrooms have certainly kept our promise of contemporary high specification housing.


Station Road Marple.

Just a few miles away in the leafy village of Marple our project at Station Road is now looking absolutely stunning.

This extensive renovation has ensured that we have kept the character of the property along with the stylish contemporary extension to the rear (photographs to follow of the internal living space).
The property looks incredible and the external landscaping to the rear certainly looks a bit different in these two before and after snaps!


The photograph above shows the new decked area and extensive living room extension. The removal of the tarmac driveway and old fencing has enabled us to extend the lawn and garden.


‘Before’ photograph of the garden requiring a bit of TLC and some turf.

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Bank Chambers, Stockport, Sales Update

Bank Chambers Stockport.

We have just sold another apartment off-plan (the third of nine) at our Bank Chambers, Stockport development. Work starts on the conversion next week (3rd October 2016) so please keep an eye on these blog pages and our social media for project updates.

The CGI images below show the kitchen, living space and contemporary bathrooms.

thc002-_bank_chambers_kitchen_lo-res       thc002_bankchambersint_bathroom_hr    thc002_bankchambersint_apt7_hr


Stockport Market has become the latest place to be with its historic market hall and popular teenage market and is also becoming a foodie hotspot with new eateries popping up along the cobbled streets.

We are looking for a good quality restaurant operator to take the ground floor. It’s in a great location directly opposite the market hall, so if you know of a restaurant owner looking to expand ask them to get in contact.


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July Update-a Month in Numbers


As many of you know we started offering peer to peer secured loans in 2015 in addition to our equity investments.

Here’s a few stats to show how we are doing (correct as of 31st July 2016)


  • Total sum loaned                             £8,339,734
  • No. of loans made                           22
  • No of loan repaid                             5
  • Returns Paid to date                       £ 95,028
  • Av. loan period                                  10 months
  • Av. loan size                                       £379,079
  • Default rate                                        0%
  • Av. Loan To Value                            68%
  • Av. interest rate                               8.95%

To learn more about our secured peer to peer loans download our free guide here

You can always read more about our new peer to peer loans, equity investments and Property Crowdfunding by simply registering on our website


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What is FCA Regulation and Why is it Important in Alternative Finance?

A question put to us most days is whether The House Crowd is regulated by the Financial Conduct Authority?

The short answer is yes…

…but it is important to understand why this matters so much.

If you want to learn more you can refer to the exact wording dealing with our permissions in the footer of our website or the emails you receive from us. Or, you know, just read them below:

In respect of Equity Investments, The House Crowd Limited (FRN 711355) is an appointed representative of Prosper Capital LLP (FRN 453007) (“Prosper”). Prosper is authorised and regulated by the Financial Conduct Authority.  Neither the House Crowd Limited, Prosper nor any of their affiliates or group companies provides any advice or recommendations in relation to this document.  If you have any doubt about the suitability of any investment marketed by The House Crowd Limited, or you require financial advice, you should seek a personal recommendation from an appropriately qualified financial advisor that does give advice.

In respect of Peer to Peer investments, The House Crowd is authorised and regulated by the Financial Conduct Authority under interim permission number 665205 to conduct peer to peer lending activity in the UK.

Investments are only available to certain specified persons who are sufficiently sophisticated to understand the risks. Investments in property and unlisted shares carry risk and you may not receive the anticipated returns and your capital may be at risk.

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So Who Is the FCA?

The FCA has an important role to play in helping to safeguard people when dealing with financial matters, and how the FCA treats crowdfunding plays a crucial role in our business and the way we can operate.

Crowdfunding, as an industry, is still in its infancy. Since The House Crowd first began, the FCA regulation surrounding crowdfunding has evolved to create a regulatory framework in which the industry can flourish whilst protecting investors from being misled.

FCA Regulation


The FCA operates with three statutory objectives:


  • To protect customers
  • To enhance the integrity of the UK financial system
  • To help maintain competitive markets and promote effective competition in the interests of consumers

The FCA provides firms with a number of key principles that they must adhere to and we at The House Crowd always conduct business with these at the forefront of our minds.

The Financial Conduct Authority is responsible for regulating:


  • Loan-based peer-to-peer platforms on which people lend money to individuals or businesses in the hope of financial return in the form of interest payments and a repayment of capital over time
  • Investment-based crowdfunding platforms

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How Does FCA Regulation Impact The House Crowd?

In line with FCA regulation, we always ensure that all of our investments are presented in a way which is fair, clear and not misleading. We always endeavour to provide you with any relevant risks that may impact on the estimated returns.

FCA Regulation

Here at the House Crowd, we are building a team with a varied set of skills and qualifications, which ensures we can competently provide a full investment and financial pack for each of our listed investments. However, it’s really important to acknowledge that we are not investment advisors, and so it is essential that if you do not fully understand any information we present that you seek your own independent financial advice.

Why Must I Register With You In Order to Invest?

Anyone who wishes to access specific investment information on our website must first register with us and certify themselves as one of three acceptable types of investor. These are:


  • “Crowdfunding” (Elective Professional Investor)
  • “Sophisticated” Investor
  • “High Net Worth” Investor

There are more details about these given during your registration process.

The reason for this is that the FCA restrict the promotion of certain investment products to people who fall within those categories, to ensure that anyone investing with us fully understands the investment and associated risks, and therefore have full knowledge of what they are getting into.

That’s why, when you register on our website, we ask that you select the category of investor you fall within, and we ask you to confirm your understanding of the risks involved in crowdfunding.

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Once you have fully registered on our website, we can send you more information about the investments we list on our platform, and you are then free to invest, if you choose to do so.

I Want To Invest From Overseas. Can I?

If you are an overseas investor, you must check the regulations in your own jurisdiction to establish whether your government allows you to invest in UK based crowdfunded opportunities.  This is your responsibility.

Once you’ve established that you can invest with us from your country, you’ll need to provide two separate proofs of address, which can be a utility bill (not a mobile phone bill), or bank account statement, before you can invest for the first time. This is in order to comply with anti-money laundering (AML) legislation.


It’s important to note that this does not mean that there are no risks involved with crowdfunded property investment. As we reiterate wherever we can, there are risks involved with any kind of investment, and The House Crowd is no different. Whilst you can make a good return on your investment, there is always the possibility of loss. It is this that you must fully understand and be mindful of whenever you’re choosing how to invest your money.

We hope that this handy guide has helped to clear a few things up for you, but if you have any further questions, we are always happy to help. For any questions specifically related to compliance, you can get in touch directly with Charlotte, our Legal expert, by emailing her at: [email protected].

Where Can I Find Out More About FCA Regulations?

Well, funny you should say that! We have some useful links for you right here:

FCA Crowdfunding Review

FCA Policy Statement

FCA Discussion Papers

Alternative Lending: A Regulatory Approach to P2P Lending

Happy reading!

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April Update-a Month in Numbers


Last month we paid out a whopping £114,632 in returns to 492 investors.

We also raised an additional £1,660,000 over 3 projects and 133 more people are now earning a very healthy 9% a year on their investment.

If you have money festering in a bank account, perhaps it’s time to get your slice of the pie and put it to work with one of our fixed rate short term secured loans.

Alternatively, if you prefer a longer term deal that produces both income and capital growth you may want to look at one of our fully tenanted properties which have blue chip clients and should produce up to 9.5% in rental yield. The last one of these, HCP165 filled up in just one afternoon and the latest, HCP166, was 50% funded before we even launched it.

We are hoping for another record breaking (and sunny) month in May with more assured rental deals and have the exciting new development project at the landmark Bank Chamber (below) in Stockport launching this week.

HCDC005 ext


You can always read more about of new projects by registering on our website Register Now For More Information

Development updates

Regent Street Town Houses Newton Heath and Station Road Marple,Development Updates.

Both of our development projects are racing on and both have had the tilers in.

Granted they are at different build stages with the Regent Street Town Houses having the roof tiled and Station Road Marple nearing completion of the bathrooms but I am sure that you will agree from both sets of photographs they are certainly flying up compared to our last update.

The project at Regent Street will soon have the roof finished and judging by the speed the contractors are working it won’t be long before these super modern homes will have families moving in.

The photographs of the Station Road Marple project show that the rear extension is starting to really take shape with Velux windows ready to be fitted in what will be a huge open plan family space.
The bathroom tiling is looking great and as mentioned in the last blog the new attic suite certainly does make the most of the once hidden archway and lovely large space to get away from it all.

We are certainly looking forward to seeing photographs of the new development in Alderley Edge which is just starting-watch this space!


You can always read more about of new projects by registering on our website

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Marple Photographs (bathroom, attic suite, family room and feature arch)

marple pics 13.5.16

Newton Heath Photographs 

newton pics 13.5.16

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Why We Believe Investing For Income Is The Best Choice

Why We Believe Investing For Income Is The Best Choice


With UK interest rates stuck at historic lows and showing no signs of increasing any time soon, many investors have come to realise that there’s little difference between a savings account and leaving their money underneath the mattress.

Leaving money in the bank might be the safest option, but it is also one which will see the value of those savings gradually whittled away.

Income investing is becoming increasingly popular – here are seven reasons why we believe it is the best way to secure your financial future.

1. A little risk goes a long way

To enjoy any sort of income from investing it is necessary to accept some risk, however the key is to find that sweet spot where the risk is acceptable given the potential and predicted returns.

Income investing can allow that balance to be found. Whether it is in property or established companies with a history of solid dividends, money can be put into areas which show historic stability.

Areas, sectors and businesses which survive recessions, fashion and the volatility of other markets.

2. There are safe options – major companies with a track record

Income investing does not have to be in risky start-ups or areas tipped for massive growth but with high risk.

In fact, while such options might work out in the short term, in the longer run the established areas tend to be the ones which not only offer stability, but also provide the better returns. You can have your cake and eat it (speaking of which, huge bakers aren’t a bad investment – people always want cake…)

Larger established companies have exited periods of rapid growth and expansion, so rather than reinvesting any capital tend to offer attractive dividends.

3. Potentially have two means of making money, yields and capital growth

When income investing it’s possible for two ways to enjoy a return.

Take property for example – admittedly our area of expertise. Invest in a rental property and there are the yields from rent, but also potential capital growth too.

Two ways to enjoy a healthy return – that beats savings and its big fat zero ways to make a decent return.

4. Helping to grow the economy 

This might not be your key concern, but income investment does help perform an important job. It helps keep the economy moving, it provides funds where they are needed, importantly to well-run businesses.

If investing in the UK, it helps keep our economy healthy and competitive, if investing in property it helps improve the housing stock and provide affordable housing.

Invest wisely and you can go to sleep with a healthy self-satisfied glow to accompany that healthy bank balance.

5. You can have range of different investments, some low risk, others with the potential to offer great returns

When investing, it is paramount to build a portfolio to help spread risk and with it maximise returns.

You can invest for income and do this by investing in a range of businesses, in a range of property or even a mix of the two.

Some industries offer healthy dividends no matter the economic circumstances of the day – pharmaceuticals for example and others providing products and services which are always in demand. Others such as car manufacturers and those producing luxury products are more likely to be affected by the prevailing economic mood.

Property, being in obvious demand, is firmly in the safer camp. That said, a little risk as part of a portfolio can go a long way – would Apple or Microsoft have seemed safe investments a few decades ago?

6. Healthy growth of dividends

The days of living three score year and 10 are long past – with a fair wind there’s a fair chance any of us could now live to our late 80s and beyond.

Great news on one hand, but it does mean those investments made in advance need to keep paying out for longer than you might imagine – especially as who knows what pensions will look like by then…

The percentage  increase in dividend pay-outs could be absolutely crucial – a difference of a few percent could more than double the annual dividend a few years later.

To reiterate a point made higher up, income investment in solid options enables you to tap into dividends which pay out, and pay out, and keep paying out – hopefully for many, many years to come.

7. Bricks and mortar

We’ve hinted at it above, but property can be an ideal investment for those seeking an income.

Traditionally, buy to let investing has been appealing but only available to those with sizeable savings pots – especially given the need to invest in multiple properties to spread risk.

However, the emergence of crowdfunded property investment means that smaller sums can go a long way – for example a £20,000 savings pot could be used for 10 stakes of £2,000 each in different properties.

With crowdfunded property investment also a passive investment, there is none of the red tape of going it alone as a landlord, or the worry around ever changing legislation on Stamp Duty and mortgage relief…or the coming difficulties of getting a buy-to-let mortgage.

With property investing, there is always a tangible asset behind the investment.

As you might have guessed, the House Crowd is a property crowdfunding investment platform.

If you do want any more information on property crowdfunding, please have a look round the site and register for more information.

And however you choose to invest, we wish you the best of luck.

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How You Can Invest in Property with Little Savings

Investing in property make great sense – we all know that; we see the success stories, see rental prices rise and property values soar.

Put money into property and there’s a very good chance you’ll enjoy healthy returns (although don’t be too cocky, a little on the pitfalls in a bit).

Continue reading “How You Can Invest in Property with Little Savings”

5 Reasons Why Manchester Is The Top Place To Invest In Property

mcr salfordIt was great to read this week on the BBC website that the Chinese are investing heavily in the Manchester property market – many of them now preferring it to London. It is bound to help boost the economy and inevitably push house prices higher – which may be good or bad depending on your viewpoint. You can read the article here:

I also read this week the Jones Lang La Salle’s report on The Northern Renaissance and their belief that Manchester is the best place in the UK to invest in property as it provides both healthy yields and excellent prospects for capital growth.

You can access the full report below, but here are just a few key points from their research:

  • Manchester sits at the heart of the Northern Powerhouse, a brand that is gathering real momentum.
  • The residential market is the strongest outside of London and has more growth opportunities over the coming years than any other city in the UK.
  • The ongoing infrastructure investment via the Metrolink extension, the airport and HS2 give the city added momentum going forward.
  • 2016-2020: predicted house price growth of 24.6%
  • 2016-2020: predicted rise in rental income of 22.8%

What this could mean for an investor who currently generates a gross yield of 9% on a property worth £100,000, is that over the next 5 years his/ her rental income will increase from £9000 a year to £11,052 per year and his/ her property will increase in value to £124,600. That makes a forecast gross annualised return of 15.9% (before deduction of the usual costs).


Access the full report here

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Prospects for Property Investors After Bank of England Clampdown on Buy to Lets

Some recent changes are already hitting landlords hard, others will soon. Here we look at the available options in what for many buy to let investors are troubling times.

Continue reading “Prospects for Property Investors After Bank of England Clampdown on Buy to Lets”