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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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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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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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”

Unfamiliar With Bridging Loans?

Here are our two most frequently asked questions about these types of loans:

Why do borrowers choose bridging finance?

Borrowers choose bridging finance for a variety of reasons. We have listed some below:

  1. Speed of funds – bridging loans can be up to 12 weeks quicker to complete than a conventional mortgage. This can assist the borrower in a number of ways such as:
    a) 28 day exchange/completion for an auction purchase.
    b) Maximising a business opportunity
    c) Repayment of a tax bill
    d) The renovation and sale of an investment property
  1. Mortgage criteria – most mortgages are based on income multiples, however as all of the costs of a standard bridging loan are deducted from the gross advance there is much less emphasis on how much the borrower earns.
  1. Credit profile – if a borrower has a poor credit history they are unlikely to obtain a standard mortgage. Where a borrower is looking to repay a bridging loan via the sale of the security the credit profile of a client has less impact.
  1. Where funds are only required for a short period of time, typically 6 to 12 months.

What happens if the borrower defaults?

If the borrower fails to repay we would enforce the legal charge and take possession of the security. We would look to sell the property to recover any monies owed plus interest and default sums. To ensure the security is adequate the Loan to Value is always 75% or below calculated on the loan plus interest to reduce the risk of capital losses.

You can download our comprehensive full “Guide To Peer to Peer Loans” by clicking here.










10% p.a. Tax Free With An Innovative Finance ISA


10% p.a. Tax Free With An Innovative Finance ISA

You may well have read about the introduction of the new Innovative Finance ISA that is being launched in April.

This means that you will be able to invest in peer to peer lending products tax free. And, if you choose to do so via The House Crowd, you will be able to earn 9% tax free on our standard peer to peer loans or 10% tax free on our peer to peer new build development loans.

The fixed interest rates compare favourably with investments offered on other peer to peer platforms.

As with all loans, your capital is at risk, however, we mitigate the risks, as our loans are all secured against property*, whilst many other platforms make unsecured loans to businesses with no security.

At present, we operate under an FCA interim permission. Our application for full permission, which we submitted in October, is still being processed by the FCA and we will not be able to offer the ISA until the FCA have finished doing that.

Once we are fully authorised, you will be able to invest up to the ISA limit each year (currently £15,240) and you will be able to maximise your returns by transferring any ISA balances you hold with other providers to a House Crowd ISA if you choose to do so.

We expect to be in a position to launch the ISA within the next few months and will let you know as soon as we have news.

If you would like further information about how the Innovative Finance ISA works visit:

*Risk warning: Interest payments are not guaranteed if the borrower defaults. The value of property can go down as well as up and your capital is at risk. If the secured property cannot be sold for more than the amount of the loan you may lose some or all of your capital.

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.







House Crowd Project 156-Station Road, Marple-UPDATE

House Crowd Project 156.

Station Road, Marple

The demolition work is now complete and construction is well underway and progressing nicely at our development on Station Road, Marple.internal image external extension

The new rear extension which will become a spacious living area is starting to take shape with brick and blockwork proceeding nicely.

Formers are in place and the position of the patio doors gives an idea of how the images on the CGI’s will actually look.internal image boarded attic
Pictures taken on site this week show how internally our contractors have boarded and skimmed a number of the rooms, the feature brickwork arch which was hidden away in the attic will look amazing when finished.

internal image marple fireplace








The  new front bedroom is taking shape now and the feature bay windows really do make the most of the large room.

We have just launched phase 2 of our Newton Heath, Manchester development so please register below for more details-

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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?

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. 

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House Crowd Project 156-Station Road, Marple-UPDATE

House Crowd Project 156.

Station Road, Marple

Demolition is well underway and progressing nicely at our development on Station Road, Marple.Marple rear external demolition 1.2.16

This week we have dropped the ceilings on the first floor to enable us to create two good sized bedrooms and a bathroom on the second floor.

The photographs taken on site this week show extensive demolition work to the rear of the property which will look fantastic once finished as you can see the CGI below. The old kitchen will be developed into a fantastic open planned living space.


As promised over the next few weeks we will keep you informed with blogs showing how the work is proceeding with photographs and updates.Marple internal demolition 1.2.16Marple external front demolition 1.2.16

The CGI’s produced by our architect shows what we are sure you’ll agree is going to be a vast improvement on the current property!

Marple_Low Res

Marple Interior CGI