How it Works

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.

Peer to Peer Lending

How does it work?

You will be lending money directly to third-party borrowers via our website.

What am I investing in?

You are investing in a loan for an agreed term with the borrower, with your capital and interest paid once the loan is repaid.

Why do people take these loans?

Typically to refurbish and sell a property, take advantage of a business opportunity or to re-arrange their finances.

How safe is my money?

Your money is secured by a legal charge against the borrower’s land/property, which can be possessed and sold in the event of the borrower not repaying. However, property values can go down as well as up so this does not guarantee the return of your invested capital. Enforcing your security may take time and your returns may be delayed. Investments are not covered by the Financial Services Compensation Scheme (FSCS).

When do I get my money back?

You get paid your capital and interest when the borrower repays the loan. If they repay late, penalty rates are applied to the borrower, meaning you can earn a higher interest rate. However, there are no guarantees that you will get your money back or receive your interest (see ‘How safe is my money?’, above).

 

Property Development Investment

How does it work?

We raise money through crowdfunding for House Crowd Developments (one of The House Crowd Group of companies) to build and sell new properties.

What am I investing in?

You are investing in a loan for an estimated term, with your capital and interest paid once sufficient properties have been sold.

Who will have my money?

The money is loaned to House Crowd Developments who manage the development project from start to finish.

How safe is my money?

Your money is secured by a legal charge against the borrower’s land/property, which can be possessed and sold in the event of the borrower not repaying. However, property values can go down as well as up so this does not guarantee the return of your invested capital. Enforcing your security may take time and your returns may be delayed. Investments are not covered by the Financial Services Compensation Scheme (FSCS).

When do I get my money back?

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. However, there are no guarantees that you will get your money back or receive your interest (see ‘How safe is my money?’, above).

 

Innovative Finance ISA

How does it work?

You invest in a few clicks up to your annual tax-free ISA allowance. We automatically diversify your investment funds across the auto-invest portfolio.

What am I investing in?

You are investing in a combined pool of money which is spread across multiple peer to peer loans, property development projects and Mezzanine finance loans.

How safe is my money?

Your money is secured by a legal charge against the borrowers’ land/property, which can be possessed and sold in the event of the borrowers not repaying. However, property values can go down as well as up so this does not guarantee the return of your invested capital. Enforcing your security may take time and your returns may be delayed. Investments are not covered by the Financial Services Compensation Scheme (FSCS).

When do I get my money back?

We pay you interest twice a year. You can compound your interest or withdraw your funds after the end of the term with 3 months-notice, subject to our IF-ISA T&Cs, noting that you will not be able to withdraw any part of your money that has been allocated to a loan that is currently in default until that loan has been repaid. Additionally, if part of your fund is invested in a loan that is yet to reach redemption we will attempt to transfer it to a replacement P2P investor (and hence return your capital). This should be possible in normal market conditions, however it is not guaranteed and you may need to wait for its redemption, which could be longer than your notice period. As with all of our investments, there are no guarantees that you will get your money back or receive your interest (see ‘How safe is my money?’, above).

Can I transfer my existing ISA?

You can transfer balances of £5,000 or more for free.

Auto-Invest

How does it work?

You invest in a few clicks and we automatically diversify your investment funds across the auto-invest portfolio.

What am I investing in?

You are investing in a combined pool of money which is spread across multiple peer to peer loans, property development projects and Mezzanine finance loans.

How safe is my money?

Your money is secured by a legal charge against the borrowers’ land/property, which can be possessed and sold in the event of the borrowers not repaying. However, property values can go down as well as up so this does not guarantee the return of your invested capital. Enforcing your security may take time and your returns may be delayed. Investments are not covered by the Financial Services Compensation Scheme (FSCS).

When do I get my money back?

We pay you interest twice a year. You can compound your interest or withdraw your funds after 12 months with 30 days-notice, subject to our Auto-Invest T&Cs, noting that you will not be able to withdraw any part of your money that has been allocated to a loan that is currently in default until that loan has been repaid. Additionally, if part of your fund is invested in a loan that is yet to reach redemption we will attempt to transfer it to a replacement P2P investor (and hence return your capital). This should be possible in normal market conditions, however it is not guaranteed and you may need to wait for its redemption, which could be longer than your notice period. As with all of our investments, there are no guarantees that you will get your money back or receive your interest (see 'How safe is my money?', above).