We offer both equity and debt-based investments and it's important that you understand the differences between our products before you invest.
You can invest from £1,000 upwards in any individual product (in increments of £1,000).
When you invest on our crowdfunding platform you pool your money with other investors and share the returns.
We offer four main investment products and these are explained below.
Please remember, whilst we offer a first class service, unforeseen events can happen. Returns may vary and your capital is at risk with all investments.
You will be lending money directly to third-party borrowers via our website.
You are investing in a loan for an agreed term with the borrower, with your capital and interest paid once the loan is repaid.
Typically to refurbish and sell a property, take advantage of a business opportunity or to re-arrange their finances.
Every loan is secured on the borrowers’ property with a legal charge. If the borrower fails to repay and we cannot sell the property for a sufficient amount to cover the loan you may lose some of your capital.
You get paid your capital and interest when the borrower repays the loan. If they repay it late penalty rates are applied to the borrower, meaning you can earn a higher interest rate.
We raise money through crowdfunding for House Crowd Developments (one of The House Crowd Group of companies) to build and sell new properties.
You are investing in a loan for an estimated term, with your capital and interest paid once sufficient properties have been sold.
The money is loaned to House Crowd Developments who manage the development project from start to finish.
The loan is secured on the land with a legal charge. Your capital at risk if, for example, the developer goes bust or the properties cannot be sold for the forecast prices.
Your capital is repaid as a first priority once a sufficient number of properties have been sold. Your interest is then paid separately when enough properties have been sold and all investors have received their capital.
You invest in a few clicks and we automatically diversify your investment funds across the auto-invest portfolio.
You are investing in a combined pool of money which is spread across multiple peer to peer loans and property development projects.
Your money is secured on each individual investment with a legal charge on the property or land asset. Your capital is at risk if a borrower defaults and the property cannot be sold for enough to cover the amount of the relevant loan.
We pay you interest twice a year. You can compound your interest or withdraw your funds after 12 months with 30 days-notice.
Diversified over a number of loans
Interest paid out twice per year
We raise money through crowdfunding to purchase and rent 'buy-to-let' properties structured through an individual limited company.
Upon investing, you will become a shareholder of the company that owns the property.
You are a part-owner of the property via your shareholding and like any property its value can go up or down, so your capital is at risk. The annual dividend is dependent on the rental income collected and returns may vary.
You get a share in rental income in the form of dividends, which is paid quarterly, plus any capital growth when the property is sold.
Pro Rata share of rental income and any profit on sale