The Latest Crowdfunding News – 10/7/16

The Latest Crowdfunding News


Hi guys and welcome to our first crowdfunding news edition for August. As usual we will be taking a look at the latest goings-on in the world of crowdfunding and today we start our round-up by focusing on London’s most exciting crowdfunding campaigns of the summer to looking at why equity crowdfunding matters to small business. Missed our last crowdfunding round-up? If so, catch up here.


London’s Most Exciting Crowdfunding Campaigns This Summer

London Property Prices

Turning to the crowd to fund the latest expansion plans or business venture as we know is becoming an increasingly popular option for businesses of all shapes and sizes, and last year crowdfunding in the UK reached £245m.

This year it continues to go from strength to strength with the likes of SyndicateRoom, Seedrs, and Crowdcube dominating alternative investment.

So what campaigns have excited those in the capital? Starting with Revolut, the London fintech launched a crowdfunding campaign last month in order to top up its oversubscribed £7m Series A funding round.

The fintech startup, which allows users to spend cash abroad on a fee-free Mastercard in conjunction with its app, experienced overwhelming demand with a record £12m pledged by interested parties within 10 hours of its launch according to Business site Bdaily.

We briefly mentioned about Crowdcube being a main player when it came to alternative investment, they too got in on the act and aimed at reaching a 5m raise which they exceeded. Crowdcube attracted £6.2 million of investment on its own platform, 124% more than it originally targeted.

Another exciting campaign that we have stumbled across is from Hire Space.

The London startup that has had big client names such as Facebook and Red Bull, closed its 500k crowdfunding campaign back in June. Their funding came from over 200 venues, event professionals and private investors respectively.

According to Bdaily : “Co-founder Edward Poland has some ambitious plans for the firm following the investment drive, with plans to ‘revolutionise the events industry’ both in the UK and abroad as Hire Space entrenches its position at the forefront of the market.”

We will definitely be watching this space (no pun intended!) for more future crowdfunding campaigns in the capital, here are two more from the Bdaily article that might be of interest, view here.


Crowdfunding App Tilt Adds P2P features

tilt crowdfunding p2p

We would normally add a P2P based story in our P2P news round-ups (if you missed our last one a fortnight ago you can catch up here), however, we previously mentioned Tilt in a December post and thought we would keep you updated about the app.

For those of you who have never heard of Tilt, in a nutshell the app is for groups of friends to pool money together for a group goals such as fundraising or funding a trip for example.

Tilt is now focusing on P2P features, the platform’s owners have opted to launch a formal P2P transfer function through the addition of “pay” and “request” buttons according to Business Insider.

Their 18-24 user base falls directly into the audience most attuned to digital P2P payments. Mainly because of the social nature of the app itself and many users know each other. This could definitely help the application thrive, because P2P applications benefit from engaged users bringing new users into the mix, who continue to refer additional customers and help expand Tilt’s network.

Image source : Tilt Twitter

Brexit Blamed for Fall in Crowdfunding Deals

Brexit crowdfunding

According to research by Beauhurst, they found out that crowdfunding platforms raised £87.4m in the first half of 2016, a drop of just over 4 per cent from the £91.3m raised in the previous six months. (, August, 2016)

In addition, their findings concluded that the uncertainty around the vote to leave the EU and the nature of the UK’s relationship with Europe has contributed to having deals being delayed or even abandoned.

UK Crowdfunding Association (UKCFA) spokesman Bruce Davis mentioned in the FT that the dip in deals is just a pause. In addition he stresses that the market has slowed down due to recent events, however, the UK is still taking a large share of the market.

Mr. Davis said that The UKCFA are confident that the number of deals will grow again, he stated in the FT : “The key to that will be strong signals from the government on strategy to see where it wants to see growth and investment.”


Dave Goes to Rio Thanks to Crowdfunding

RIO 2016 Crowdfunding

This one is for all you Olympics fans out that there! Dave Leach, a coach at Lewes AC has had a string of successful athletes at the Sussex based athletics club, including Rob Mullett who was selected to Represent Team GB at the Rio Olympics for the Men’s 3000m steeplechase.

Dave’s dream was to travel to Rio with Rob (who he has coached Rob since he was 12 years old), thanks to crowdfunding, Dave’s dream came true!

Club members, friends and colleagues used crowdfunding to raise the money to send Dave to the Brazilian host city; sponsors have kitted Dave and Rob from head to toe in Olympic fashion to be ready for all weather conditions there. In fact the funding was so successful, the target was reached and beaten (the initial target was 3k, however, 5k was raised for Dave).

For a coach who hasn’t been paid for 25 years and has never been on a plane before, this is another example of how crowdfunding has saved the day once again!

Image source : The Telegraph

Why Equity Crowdfunding Matters to Small Business – A View from The U.S.

Equity Crowdfunding USA

For those of you who follow our various blog round-ups know that we look at quite a few viewpoints and stories from all over the world, this time we turn our attention to across the pond.

A series of recent laws and regulations have opened the door to three new vehicles for raising investment dollars for small businesses through equity crowdfunding. These new forms of investment crowdfunding may well transform the nature of small business capital raising in the United States, by enabling individual investors to take equity stakes in new companies as Entrepreneur and Yahoo Finance both explain.

Last September, Title IV on the JOBS Act went into effect modifying regulation A of the Securities Act. In layman’s terms this piece of legislation has a very important meaning – growing companies in The States can now go public in a small offering and raise up to $50,000,000 dollars through a streamlined, low-cost alternative to a full public offering.

Companies can now test the water so to speak, meaning that small companies can let the public know that they are thinking of raising investment dollars. In America this form of announcement has been illegal since the 30’s, however, due to transparency levels and openness that these array of online platforms provide, it has now been made legal.

As a result of the legislation, many small business in America have learned to leverage small early stage investments via crowdfunding to increase their bargaining power and get more money from venture capitalists later as Richard Swart mentions in his article and these new rules give multiple financing options available to small businesses across the country.


What Are Your Thoughts?

Which of our chosen crowdfunding stories has interested you the most? We would love to hear from you, feel free to leave us a comment on our Facebook and Google Plus pages. If you prefer to tweet us, tweet @TheHouseCrowd.

In the meantime if you want to know more about Property Crowdfunding do register for our Information Pack which will tell you all about it. 

Register Now for more Info

The Latest Crowdfunding News – 20/7/16

The Latest Crowdfunding News


Hi guys and welcome to another crowdfunding news edition, as usual, we will be giving you a snap shot of the latest news from the crowdfunding world, this week we predominately stay in the UK, however we end our round-up in Africa and look at the latest crowdfunding start-ups to keep an eye on. Missed our last crowdfunding news update? If so, catch up here.

Why Fintechs Are Turning To Equity Crowdfunding For Investment

fintech equity crowdfunding

Quite a few UK fintechs such as GoHenry, Mondo, and Tandem (who have all raised over £1 million from using equity crowdfunding) – but why have they used this approach?

Firstly, using equity crowdfunding is great for brand awareness and customer acquisition, UK fintechs have attracted significant attention in the media and as a result have raised awareness of their innovative ideas and products. From raising awareness, a majority of fintechs have gained potential investors to sign up for their products.

Moreover, due to the fact that scene continues to produce more and more start-ups by the day, it’s become increasingly hard to stand out. Therefore, offering customers the chance to become shareholders, (like Mondo and Tandem did), companies can drive customer engagement and loyalty.

Start-ups also use equity crowdfunding because it gives them control. This is because they can gain a higher valuation compared with traditional methods. According to research by Beauhurst, direct investors seem willing to accept lower equity stakes for the same investment than VCs or Angels. (Business Insider, July, 2016)

They beauty of using this approach is the diversity of investment sources. Crowdfunding offers an alternative to traditional sources of funding, which could be very beneficial if economic turbulence negatively affects VCs’ willingness to invest. Because of the Brexit, we might see more fintech start-ups turn to crowdfunding.

Read more here.

Crowdfunding : A New Era on The Cards?

Crowdfunding News Crowdfunding Finland

Two months ago, new rules* came into play which allow average people to invest in start-ups through crowdfunding sites that reward investors with equity. The new rules usher in a new era of crowdfunding that is accessible to individuals of all economic backgrounds, as mentioned by Crowdfund Insider’s Christian Catalini.

As part of the federal JOBS Act, Title III rules allows the average investor the opportunity to share in the returns of the “next big idea” as Catalini mentions in his recent article.

President Obama has said he sees it as a game-changer, these set of regulations will help all investors—regardless of income or net worth—will be able to invest in high-potential startup companies.

Title III will therefore help funding for small businesses, an essential vehicle for marketing and branding as well as a tool for building a committed user base for new ventures.

*Rules in the USA.


London-Based Crowdfunding Platform Goes Dutch

Seedrs Netherlands

London-based crowdfunding company Seedrs has expanded its international presence with a new office in Amsterdam. (City A.M., July 2016)

Seedrs, which does already has links elsewhere on the continent, a software development office in Portugal, and back in October it announced a new partnership with Benelux-based bank ING.

Chief executive and co-founder of Seedrs told City A.M. : “We have always had a pan-European vision for Seedrs, and the launch of our Amsterdam office brings that vision one step closer to reality.”


Khan Backs Twenty Crowdfunded Projects Across London

London Property Prices

The London mayor is helping to crowdfund 20 ‘citizen-led’ projects aimed at improving local communities across the capital.

The crowdfunding projects include: ‘Kitchenette Karts’ in Tower Hamlets, a healthy, sustainable fish and chip truck, ‘Old Kent Road Studios’ in Southwark, a project which aims at transforming 60 vacant garages into workshops and studios, and ‘Pengelicious’ in Bromley, a food festival. (KCW Today, July 2016).

Sadiq Khan recently mentioned that: “Our crowdfunding initiative is a chance for all Londoners to take part in the regeneration of their neighbourhoods from the grassroots up. Today I’m pledging support to an extraordinary range of local groups, for projects that will help strengthen their local communities and make London an even greater city.”

Interested in the projects? If so, check them out here.


5 African Crowdfunding Start-ups To Keep An Eye On

Africa Crowdfunding

Africa has seen a plethora of start-ups from all over the continent and crowdfunding has bags of potential to solve the continent’s lack of access to finance challenges.

Here (in no particular order) are five of the most innovative African crowdfunding startups to keep an eye out for.

Usizo – Bitcoin startup Bankymoon from South Africa has announced it will launch a crowdfunding platform, Usizo, that allows public schools in the continent to use blockchain technology to crowdsource utility credits.

This revolutionary concept means that anybody from around the world can make a payment directly from using their preferred crypto-currency, and help fund the energy or water needs of the school.

Realty Africa – Is the first crowdfunding platform that’s dedicated to property investments in Sub-Saharan Africa. The company was launched last year, in a nutshell, allows investors from all over the world to invest in the growth and development of the region.

Realty Africa provides investors with access to markets that have been historically out of reach, allowing them to invest amounts from US$1,000 upwards. Moreover, the platform allows communities and project developers to raise capital, without high interest payments or collateral requirements.

ABREC.FinanceUtile – Originally developed by the African Biofuel and Renewable Energy Company (ABREC) and in partnership with French crowdfunding platform FinanceUtile, is a dedicated crowdfunding platform for SMEs operating in the Sub-Saharan African renewable energy sector.

ABREC.FinanceUtile supports entrepreneurs in the renewable energy space by facilitating the transfer of know-how and technology, while also boosting access to reliable electricity generation in sub-Saharan Africa.

Lelapa Fund – Is a niche crowd investment platform dedicated to African companies (as described on their website). Investors can buy shares online in pre-vetted start-ups and small businesses whose products and services are sold on high growth consumer markets across the continent.

Thundafund – The South African start-up is one of the crowdfunding veterans on the continent, launched back in 2013, Thundafund has raised over ZAR5.7 million (US$396,000) from various crowdfunded projects.

They have recently put together work shops to educate fellow South Africans about how the crowdfunding process works.


What Are Your Thoughts?

Which of our chosen crowdfunding stories has interested you the most? We would love to hear from you, feel free to leave us a comment on our Facebook and Google Plus pages. If you prefer to tweet us, tweet @TheHouseCrowd.

In the meantime if you want to know more about Property Crowdfunding do register for our Information Pack which will tell you all about it. 

Register Now For More Information

Property News Round-up 8/6/16

Property News All The Latest Updates


Hi guys and welcome to another property news round-up this week we start off by focusing on the EU referendum and look at whether house prices will go down if we have a Brexit vote. We end our round-up in France for the Euros and take a look at the winners and losers of the tournament if it was based on property. Missed our last property news round-up? If so, catch up here.


Will Property Prices Go Down If There’s Brexit?

Property News Brexit

With less than three weeks to go until we cast our votes at our local polling stations on whether we should leave or stay in the European Union, one question that stands out in the property industry is whether property prices will go down if we leave.

So will it? Well, not exactly. Recent stats from National Statistics indicate that house prices are still rising fast. They increased at a rate of 9 per cent a year in the year to March 2016.Prices are predicted to increase by roughly a further 10 per cent by the end of 2018.

In addition the treasury have mentioned that the Brexit would bring about an increase in the general cost of borrowing across the economy. This, in turn, would crush demand for housing and lead to fewer transactions. (The Independent, June 2016). This would therefore have a negative effect on price growth. Some analysts have even said that leaving the EU would also have a negative effect on foreign investment – this causes problems for the top end of property investments in London and the ramifications would lead to reduced investments.

But we all want cheaper homes right? Some have argued that we should welcome lower prices because that will help make homes more affordable, especially for first time buyers. Pro-Brexit Tory Lead of the House of Commons Chris Grayling, has tried to expand on this topic, and mentioned that staying in Europe will make it even harder for young people to buy a house due to immigration from the Continent which, he claims, is driving up domestic demand for housing (as mentioned in a recent article by The Independent).


London Property : Prices Rise 432% In Two Decades

Property News London Property

Property prices per square metre have risen by 432 per cent in Greater London over the past two decades. This compares to a national average increase of 251 per cent, or £2,216 per square mile according to data that was conducted by Halifax.

In addition, Land Registry data indicates Greater London has gone past the £600,000 milestone for the first time.

Moreover, property investment firm London Central Portfolio [LCP] have said that this new London average price (£600,076 to be precise) is 14 per cent higher than a year ago. This has been linked to low mortgage rates and the falling cost of stamp duty on properties costing less than £937,000.


Survey Claims Student BTL Investment Due For Major Expansion

Property News - HMO

Research from Mistoria Group found that one in 10 student property landlords say their HMOs enable them to offset the new tax rules and remain profitable, while a further 50 per cent do not believe any other asset class offers the same yields and return on investment as student property. (Letting Agent Today, June 2016)

The Mistoria Group’s report which was based on a survey of 500 landlords last month – reveals that 35 per cent of student landlords purchased HMO properties in the first quarter of this year to beat the new stamp duty rise, moreover, a further 43 per cent of landlords plan to acquire between two and three new student properties in the next 18 months.

Student accommodation has been the strongest growing investment property market in the UK and the north west has attracted many investors. For example, a HMO that houses four students, can be purchased for just £160,000.

Want know more about HMOs? Check out our handy infographic.


The North-West Has UK’s Highest Property Yields

Property News North West

According to research from LendInvest, the north-west of England produces the best average rental yields over the past five years. In addition, it is estimated that investors could achieve yields some 200% higher with property outside of the capital.

Manchester and Liverpool were top with regards to yields, Manchester producing yields of 6.02% whilst Liverpool saw yields of 5.15% respectively.

Manchester has Europe’s largest student population and a graduation retention rate of 58%, demand for rental accommodation within the northern city continues to outpace supply and continues to attract a wealth of investors.

Interested in the Northern Powerhouse city? Check out our Manchester guides for more info, (North and Central).


Euro 16 : Winners & Losers Of The Property Championship

Property News - Euro 16

Property prices have changed a lot since the last the Euros in Poland and Ukraine.

Just like the property market in England, in Europe there is also a north-south divide.

Turkey, Iceland, Sweden, and Ireland had the biggest rises, though not all for the same reasons.

The Turks win the property championship with a 65.6% increase, Istanbul has helped The Crescent Stars in the tournament as there is burgeoning young population who are new to housing investment and eager to buy in the city that stretches across two continents.

Other successful nations such as the Republic of Ireland, benefited from a booming economy, with GDP expanding 7.8% in 2015 thanks to huge capital investments from abroad. Moving further north, Iceland has enjoyed a nice recovery since the 2008 financial crisis, with demand for high-end properties since 2013.

The Swede’s property boom was down to negative interest rates, many in the Scandinavian country are concerned that high household debt and low-interest rates could lead to a crash.

The home nations also saw property prices increase. As mentioned previously about London property, The average house price in the capital passed £600,000 mark.

Host nation France and one of the favourites to win the tournament, has experienced negative property price growth between 2012 and 2016. This could be inferred to a decrease in household income and stricter mortgage conditions.

See how other European countries did at the Euro 16 property championship below.

Property News Euro 16 Property

Image Source : Yahoo


What Are Your Thoughts?

Which of our chosen property stories has interested you the most? We would love to hear from you, feel free to leave us a comment on our Facebook and Google Plus pages. If you prefer to tweet us, tweet @TheHouseCrowd.

In the meantime if you want to know more about Property Crowdfunding do register for our Information Pack which will tell you all about it. 

Register Now For More Information

Property News Round-up 20/4/16

Property News All The Latest Updates

Hi guys and welcome to another fortnightly property news round-up, today we once again take a look at the latest goings-on in UK property from looking at why Manchester is a city for Generation Y to looking at how commuters can save £3,000. If you missed our previous property round-up, catch up here.


Manchester Is A Generation Y City


Manchester is rapidly becoming a place where young people migrate to for work and also to study. 22% of the city’s population are Millennials (aka Generation Y), which is more than four times the national average.

Due to an increase in young people, there is now an emphasis for build to rent property investment in Manchester. So what exactly is attracting Generation Y to live in the city?

According to the Complete University Guide, “Manchester is a thriving, prosperous northern hub and considers itself the commercial and cultural capital of the north of England. The city is also probably the most fashionable student location in Britain.” (Select Property Group, April 2016)

Manchester is also known for its universities and is synonymous with higher education. Moreover, over 50% of graduates stay in the city and around 20,000 are enter the job market in Manchester each year. Since Manchester is the country’s second largest economy, Manchester is one of the biggest regional employers.

In addition, with thousands of graduates looking for work, they also need to somewhere to stay and the city attracts Generation Y as accommodation costs are significantly lower compared with London prices. Latest figures from the Expatistan Cost of Living Index show that everyday amenities in the north-west are 37% cheaper than inside the M25.

A graduate living in Manchester would pay around £700-800 a month for rent, in the capital, they would pay over three times the amount for a rented property.

Millennial’s fast paced lifestyle and the need for everything in an instant makes the likes of buy to rent a perfect solution in the city. This also makes the city a great place to invest, not only because of its large millennial population but also being at the forefront of the Northern Powerhouse.

Want to know more about the city? If so, why not check out our free guides (North and Central).


Housing Market ‘To Cool’ As BTL Rush Dies & Brexit worries Increase

UK Property

The UK’s housing market is set for a slowdown as the buy-to-let rush of the first three months of the year dies away, according to the Royal Institution of Chartered Surveyors. (Telegraph, April, 2016)

A lot of confidence with regards to the UK property market has fallen due to uncertainties that surround the Brexit vote, stamp duty charges, a weaker pound, plus the devolved elections in May.

Despite these political uncertainties, in the long term, the imbalance between demand and supply will still exert a strong influence on the market, with house prices expected to rise by close to 25pc over the next five years as Simon Rubinsohn (chief economist at Rics) mentions in a recent Telegraph article.

Halifax recently reported that confidence in the housing market was at its lowest in more than a year and its housing market confidence tracker indicates that 65% of the general public believe that the average UK property prices will be higher rather than lower in 12 months’ time.


Railway Stations ‘Will Deliver Thousands Of Jobs & Homes’

Railway Stations UK


Thousands of jobs and homes are set to be created on what has been dubbed “the biggest programme of rail improvements since the Victorian age”, the government has stated.

Up to 10,000 new homes could be built across the country as part of new railway development scheme. York, Taunton and Swindon councils have already looked at proposed sites that could used for new builds.

Communities Secretary Greg Clark recently mentioned that : “With record numbers of people travelling by train, it makes sense to bring people closer to stations and develop sites that have space for thousands of new homes and offices.” (Yorkshire Post, April 2016)

He also mentioned that railway stations are hub for local communities, connectivity, and commerce and we should be making the most out of their unique potential to attract investment.


More Affordable Homes Needed According To Manchester Businesses

House Buyers UK

From millennials in Manchester to looking at local business views on property.

A recent survey which was conducted by Housing The Powerhouse revealed that the majority of Greater Manchester businesses see building more family and affordable homes as a priority.

Greater Manchester Chamber of Commerce’s Steve Burne told Manchester Evening News that : “Over the past few weeks we’ve seen concerns raised about transport links for the Northern Powerhouse – but the provision of suitable housing is equally as important.”

He stressed that the city is witnessing a boom in business across the city but a focus is needed on providing homes for families. The northern powerhouse needs to cater for families otherwise there will be a major set-back and could see this workforce disappearing down the M56, M6 and M62.

Matthew Good of the Home Builders Federation and member of the Housing the Powerhouse coalition told MEN : “These results show us that the provision of family and affordable housing in the region is already a real issue for businesses.”

The survey results have an eye-opener, and a result, as Matthew explains, the likes of the Housing the Powerhouse coalition are making the case for local councils to take this once in a generation opportunity to set ambitious targets for the mix of homes that the engine room of the Northern Powerhouse desperately needs.


Commuters Save £3,000 On Property Each Minute They Are Further Out Of London

UK Trains

House prices in the London commuter belt fall by more than £3,000 for every minute further away the property is by train from the capital, research has found. (The Guardian, April 2016)

Savills conducted research property prices around 314 stations in places surrounding the capital on direct commuter lines into the city.

They found that average property prices within half an hour’s train ride from the capital were £458,000, compared with £606,000 in inner London.

Moreover, Land Registry data revealed the cost of housing fell sharply to £337,000 for journeys of one hour to 69 minutes, with the saving averaging £3,048 per minute!

However, the research also show that the correlation between distance and price is uneven. For example, an average property in Oxford costs £730,000 for a 57-minute commute. In contrast, an average property in Welwyn Garden City costs 430,000 and takes 21 minutes to reach the capital by train.

Families moving to areas outside of the capital have had to factor in journey times, house prices, quality of life and the high cost of commuting in and out of London, Sophie Chick, who led the research for Savills said savings on house prices usually outweighed the increased travel costs. Read more on the story here.

Image source : The Guardian


What Are Your Thoughts?

Which of our chosen property stories has interested you the most? We would love to hear from you, feel free to leave us a comment on our Facebook and Google Plus pages. If you prefer to tweet us, tweet @TheHouseCrowd.

In the meantime if you want to know more about Property Crowdfunding do register for our Information Pack which will tell you all about it. 

Register Now For More Information

Property News Round-up 23/3/16

Property News All The Latest Updates


Hi guys welcome to our fortnightly property news blog, as usual we will be taking a look at the latest domestic news and will be taking a look back at last week’s budget to taking a tour of a fairy tale castle in Greater Manchester – can you guess the property’s price tag? If you missed our previous property news round-up catch up here.


Budget 2016: What It Means For The Property Industry

George Osborne Budget 2016

Last week George Osborne made a number of announcements in his 2016 Budget that will affect the property industry here in the UK.

The chancellor, (as quite a few were expecting) did not take a u-turn with regards to the additional stamp duty rate. So what does this mean exactly? In a nutshell, it means an extra 3% levy on top of normal stamp duty rates if you buy multiple properties.

In addition, he also scrapped the “slab” system for tax rates on commercial property purchases. According to the IBT, the reform now works like income tax, with the rate only applied to the portion of the property price that falls into its bracket. He also raised rates in the top price brackets and cut them at the lower end. Moreover, only 9% of commercial property purchasers will pay more.

Mr. Osborne also cut Capital Gains Tax (CGT) rates. On the day it was announced that the higher rate will reduce from 28% to 20% and the basic rate from 18% to 10%. If you’re thinking there has to be a catch there, you’ve hit the nail on the head. The catch is the former rates will still apply for sales of residential property. It’s worth noting that Capital Gains Tax is not applied to profit made on your own home. However, if you own any additional properties then CGT does apply to you. This is bad news if you are a landlord as you will be penalised if you decide to sell. This doesn’t apply to all types of property investors. For example, people who have invested via funds will benefit from lower CGT rates on the profits they make.

On the day it was also revealed that property developers must pay tax on their profits. In addition, the HM Revenue and Customs will bring together a task force for targeting offshore developers in the UK. It has been reported so far that the tax office has identified 100 “high risk” developments.

The government stated in the budget that it will work closely with local councils to identify where they can be given more “planning freedoms” to ensure thousands of new homes are built. Additional financial support will be given to councils that plan to build houses on the outskirts of towns and cities (aka garden villages) which consist of 1,500 to 10,000 homes.

Lastly, it was announced that money will be going to the homeless. Osbourne’s budget said that £115m being put towards helping rough sleepers. The majority of the homeless spending will go towards low-cost ‘second stage’ accommodation. However, while many homelessness charities welcomed the government funding, they stressed that the problems run far deeper than a shortage of money.

What are your thoughts on the budget? What other changes would have you liked to have seen Mr. Osborne include on the day?

Image Source : Liverpool Echo

Northern Cities Are Among The Best Places To Invest In Property

Liverpool Property Invest

Northern cities are the hottest up-and-coming areas for UK property investors, according to data released today on affordable homes. (City AM, March 2016)

Research from Which? shows that where property prices are surging, thaey also have an average house price below £200,000.

Liverpool’s city centre takes the top spot for when it comes to affordability. Land Registry data indicates that the average home in the L1 postcode still costs just £120,000 despite house prices increasing 41 per cent over the past year.

Other areas that have seen strong price rises but remain affordable include Bradford’s BD1 postcode which is east of the city’s university.

Manchester’s M12 postcode came fifth on the affordable list with an average house price of £98,000, the area is cheaper than Liverpool’s central district, however prices rises from this postcode have not been as dramatic, rising at 32 per cent.

Are you interested in investing in the north? If so why not check out our guides on Manchester (North and Central) and also our South Yorkshire guide.


Property Prices In Manchester Increased Over 30% In 2015

North of England Property Invest

Staying in the north and looking at property prices a little bit more closer to home (part two of the above if you like), Salford’s M5 postcode recorded the region’s highest rises, with the average value of £127,890 representing growth of 34% in just 12 months.

As Select Property Group mention in one of their recent articles, 2015 was a year in which Manchester firmly established itself as a property investment hotspot. It was named by HSBC as the UK’s number one city for yields, with rental rates being driven by one of the lowest levels of housing supply and a population growing at three times the national average.

Investors have started to whet their appetite when it comes to investing in Manchester due to the fact it has one of the country’s youngest populations, with 60% more 25 to 29-year-olds living in the city. The millennial generation (aka Generation Y) are known for renting and with a vast amount of graduates and others relocating for jobs, Manchester is currently a prime place for property investors.


London Property Prices Rose Almost £500 A Day In January

London Property Prices

Moving from the north to travelling ‘down sarf’- London house prices increased by almost £500 a day in January, according to government figures that provide fresh evidence of a “two-speed” property market. (Guardian, March 2016).

Data from the ONS (office for National Statistics) indicates that London and the South East are still dominating and continue to power ahead with double-digit annual growth rates. In contrast, in other regions of the UK such as in Wales, Scotland and Northern Ireland figures appear to have stuttered to a halt.

According to the ONS, The average London house price hit a record £551,000. This was £15,000 up on December’s figure of £536,000 and an increase of £484 a day.

Dragonfly Property Finance’s managing director Mark Posniak told The Guardian : “This latest annual house price data once again throws into sharp relief the contrast between the housing markets of England, Wales, Scotland and Northern Ireland. They may be geographical neighbours but they could be thousands of miles apart in terms of house prices.”


Fairy Tale ‘Castle’ In Greater Manchester – Can You Guess Its Price Tag?

Manchester Castle

Want to become lord or lady of the manor? Here’s your chance (if you’ve got a LOT of spare cash lying around that is!) Wharmton Tower, in Grasscroft (Oldham) has eleven bedrooms, a separate coach house and even a stone-built summer house – and is just a short drive from Manchester!

Grasscoft has some well-known residents such as Paul Scholes and Dr. Brian Cox and is ideal for those who love to live in a relaxed and quiet surrounding. BUT to live this life of luxury how much will it cost you?


How Much Does The Fairy Tale ‘Castle’ In Greater Manchester Cost? free polls

Image Source : Manchester Evening News

What Are Your Thoughts?

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Property News Round-up 24/2/16

Property News All The Latest Updates

Hi guys and welcome to another fortnightly edition of our property news round-up. As usual we will be looking at the latest goings-on in the property market from looking at what would a Brexit mean for UK property to looking at Robbie Fowler aka “King of the terraces” and how he got into investing into property.

What A Brexit Means For The UK Property Market

Brexit Property

One of the biggest talking points at the moment is about leaving/staying in Europe and as we know in June we will be going to the ballot boxes to cast our votes.

There are so many questions around this topic such as what does a post-EU Britain look like? How long would a formal Brexit take? And that there are plenty of uncertainties in the property market.

Many in the property industry have said that if the UK does stay in Europe business will resume quite quickly, it we leave, well that’s when it gets all a bit misty, we will still be stuck with many uncertainties.

To get some idea, it seems that we would have to break down two buyers, the first being a domestic buyer and second, an overseas buyer.

The Brexit might not have such an impact for the domestic buyer as the market is linked to supply and demand and property prices are linked to people’s incomes. It seems that in this country we have still got this demand and supply imbalance, the demand as we know is definitely there and the supply is still fairly limited. Because of this, many analysts and industry experts think it would therefore not have a significant impact if the “leave” voters prevailed in June.

Moving onto the overseas buyer/investor, areas such as London that have a high percentage of overseas buyers, the Brexit may cost London its “safe haven” status (especially with wealthy Europeans) and look to go somewhere else in Europe, it could also put off a lot of investors altogether.

On the flip side, a weaker sterling could attract more investment in London property. As mentioned in the IBT, when sterling plummeted during the financial crisis, the London market boomed because foreign investors flooded in and bought up property in prime central postcodes at relatively cheap prices. (IBT, February, 2016).

Whether we leave or stay, until there is a relative amount of certainty about what’s going on, for now people will likely hold off from participating in the market.

Want to know more about the Brexit? We recommend reading The FT’s article on What are the economic consequences of Brexit?

NEARLY two million younger people have been locked out of the property market since 2001

Millennials Property

A recent stat we stumbled upon this week via The Express was that if ownership rates among 25 to 34-year-olds were the same as 15 years ago, an extra 1.8million of them would own their own homes in England.

As we all know, soaring house prices, stricter lending criteria for mortgages and the difficulty of saving for a deposit are the main barriers for millennials.

A leading think tank recently warned that the current situation is only likely to get worse as the UK faces a shortfall of 1.3 million homes by 2026.

An economist that we applaud, Katie Evans, is calling on the Government to support more innovative ways of helping young people get on to the ladder, such as through crowdfunding.

Are you in the 25-34 age bracket and looking for an alternative? If so, why not take a look at our Property Crowdfunding How It Works page for more info.

Shock study finds a quarter of homes EARN MORE than their owners

 UK Property

We don’t like to be the bearer of bad news, but another headline that grabbed our attention this week was that UK house prices are rising so rapidly that a number of homes now ‘earn’ more than their owners, according to new research.

Halifax found that more than a quarter of local authority districts property value increases have surpassed average earnings and these areas tend to be in London, the South East and East of England.

Martin Ellis, the housing economist at Halifax told The Express that “Clearly, this is good news for some homeowners. However, it does make conditions tougher for those looking to buy their first home in such areas, with prices being pushed increasingly out of range for many young people.” (The Express, February, 2016)

Council tax is cheaper for millionaires in London than those in terraced homes in Liverpool

London Liverpool Council Tax

Multi-millionaires living in one of the most exclusive and expensive parts of London pay the same or even cheaper council tax than those in a terraced street in Liverpool mentions The Liverpool Echo.

City mayor Joe Anderson described the situation as obscene and stresses that there should be a review on how councils are funded.

An example of how obscene the situation is as the Liverpool mayor quite rightly puts it, can be seen via Zoopla. A seven bedroom house in the heart of Westminster which is near to having a £20 million price tag and council tax costing £1,345.48 a year. In Liverpool, a Band B property, an owner would pay £1,256.65 a year.

Anderson has slammed the tax comparison and mentioned that wealthier areas such as central London need less help than disadvantaged cities such as Liverpool which suffers from high levels of deprivation – which places more costs on the local authority.

The mayor also mentioned that “If there was ever an argument to review the funding and stop it from disadvantaging cities like Liverpool you could not get a clearer example.” (Liverpool Echo, February 2015).

Robbie Fowler – The King Of The Terraces!

Robbie Fowler Property

The former Liverpool and City player is giving lessons on how to be successful in the property market. Beginner landlords get free tips on raising cash, spotting the best deals and negotiating.

The 40 year old Kop legend put his career earnings into property and has been named in a list of the UK’s 1,000 richest people, with a fortune of about £28million.

On his property academy site, Fowler mentions “Off the pitch one of my biggest successes has been investing in property”, he also mentions that he gained valuable property advice from people who understand the ins and outs of how the property industry works.

Fowler retired from football in 2012 and now runs his business with his wife. Want to become the next Robbie Fowler in property crowdfunding? Why not check out our latest investments here.


What Are Your Thoughts?

Which of our chosen property stories has interested you the most? We would love to hear from you, feel free to leave us a comment on our Facebook and Google Plus pages. If you prefer to tweet us, tweet @TheHouseCrowd.

In the meantime if you want to know more about Property Crowdfunding do register for our Information Pack which will tell you all about it. 

Register Now For More Information


Property values can fall. Your capital may be at risk & returns may vary. Read our Risk Warning

The Latest Crowdfunding News – 20/1/16

Crowdfunding News – All The Latest Updates

Hi guys and welcome to our fortnightly crowdfunding news edition, as usual we will be covering an array of interesting crowdfunding topics from the UK and around the globe. If you missed our last edition, you can catch up here.


Corbyn To Donate ‘Dream Bike’ Crowdfunding Money To Charity

Corbyn Bike

Last week we read about that Corbynistas raised money so Jeremy could have his dream bike, a Raleigh Criterium.

His supporters raised £6,000 with over 200 people taking part in the crowdfunding campaign. While the initial idea was to purchase the bike for Corbyn, the MP for Islington North told the Independent on Sunday he will give the crowdfunded donation to charity.

Corbyn mentioned that he would purchase the bike with his own money as a 67th birthday treat, so it looks like he’ll running around for a bit until the end of May!

He has not stated on which charity that the crowdfunding money will go to, but Ian Jordan (who set up the crowdfunding campaign) has suggested it would go to Calais Action – a cause that Corbyn has shown a lot of support to recently.


London Cabbies Set Up £600,000 Crowdfunding Campaign For Anti-Uber Legal Bid

London Cabs Crowdfunding

A London cab driver’s wife has launched a £600,000 crowdfunding campaign to take on cab-hailing app Uber’s license in the courts. (The Evening Standard, January 2016)

Artemis Mercer’s Action for Cabbies group is seeking a judicial review of the licence granted to the company in 2012 by Transport for London (TfL).

Mercer claims claims that TfL have failed to enforce the law on the likes of background checks and disabled access.

Her Action for Cabbies group said that the issue had to be taken in a radical way to save the black cab drivers and the future of the black cab trade.

She said: “When Transport for London granted Uber a license in 2012, it became a law maker instead of the law enforcer it should be.” (The Evening Standard, January 2016)

The app has shaken up the city’s taxi service since it was launched and has led to many protests by black cab drivers.

Last year, the Licensed Taxi Drivers’ Association received bad news when a High Court judge dismissed their claim that the transportation app was breaking the law in the way it calculates fares.

Artemis Mercer hit back saying “When you travel in a black cab, your driver has invested three to four years in training at their own expense – that’s why black cabs are voted the best taxi service in the world”.

If this is something that you also feel passionate about, click here to find out more.


Equity Crowdfunding Platform Crowdcube Targets The Northern Powerhouse

Crowdcube Manchester

Crowdcube is set to open a new office in central Manchester which opens in February. The new Manchester branch will make it easier for local young businesses to obtain finance by using equity crowdfunding over traditional sources. (MEN, January, 2016)

The company’s commercial director Matt Cooper told MEN that they are determined to to put Crowdcube at the heart of the creation of the Northern powerhouse.

He also mentioned that they already have a very vibrant investor community in the north and that there is definitely an exciting opportunity to take the North West start-up scene to the next level.

Ideas Britain CEO Adam Shaw stated in MEN that “Having a top-notch crowdfunding platform in place to support Manchester brings a new dimension of potential for the city’s entrepreneurs, and it’ll help to keep momentum flowing in a region that’s already synonymous with innovation and big ideas.” (MEN, January, 2016)

Does the Northern Powerhouse interest you? If so, why not take a look at our very own Manchester guides (North and Central).


China Crowdfunding Platforms Raised $1.7B In 2015

China Crowdfunding

Even though China’s economy grew by 6.9% last year (its slowest growth in a quarter of a century), according to China Money Network, a total of RMB11.4 billion (US$1.7 billion) have been raised via crowdfunding platforms in China in 2015, up over four times compared to the year before.

However, according to Chinese P2P platform the number is only a quarter of the RMB49.5 billion (US$7.5 billion) that was expected to be raised for the year.

What was interesting to see from the data was that an aggregate of 49,242 projects sought to raise money on crowdfunding platforms in China last year, of which around 69% are reward-based crowdfunding, while charity crowdfunding and equity crowdfunding each took 15%.

The reports forecasts that equity crowdfunding will enter a rapid growth period, while reward-based crowdfunding will become a new model for Chinese consumers going forward.


Crowdfunding Site Indiegogo Announces Its Intention To Work More Closely With The World’s Biggest Corporations

Indiegogo Big Companies

Known for helping smaller scale businesses out, Indiegogo has revealed it wants to help the world’s biggest corporations and crowdfund their own research ideas and get customers to vote with their wallets on which to develop by pledging cash to back their favourites.

Indiegogo said that firms would be able to ask its users to suggest ideas for which it could then seek financial backing and input from potential customers. They could also put out their own projects to gauge the potential market and attract funding and would receive promotional and strategic support from Indiegogo staff, it said. (BBC, January, 2016).

The crowdfunding site stated that their programme was open only to Fortune 1000 and Global 500 companies.

Duncan McCann, a researcher at the New Economics Foundation makes an interesting point about the big players who are entering Indiegogo’s programme. “What you get is the established players moving in once people are comfortable with the concept. It will be interesting to see how it plays out. Will we see people going to other platforms?” (BBC, January, 2016).

His major concern is not so much that big players have a way of doing or achieving something smarter, but more to do with the fact that it could drive out the real entrepreneurs who will be the real future engines of the economy as he puts it.

He goes on to say that Customer loyalty these days is disappearing, so engaging people with products is a huge benefit. The big players really can’t lose.

Image Source : Indiegogo 


What Are Your Thoughts?

Which of our chosen crowdfunding stories has interested you the most? We would love to hear from you, feel free to leave us a comment on our Facebook and Google Plus pages. If you prefer to tweet us, tweet @TheHouseCrowd.

In the meantime if you want to know more about Property Crowdfunding do register for our Information Pack which will tell you all about it. 

Register Now For More Information