How it Works

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.

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?

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.

When do I get my money back?

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.

 

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?

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.

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.

 

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 and property development projects.

How safe is my money?

Your money is secured on each individual investment with a legal charge on the borrowers’ land / property. 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.

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 standard terms.

 

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 and property development projects.

How safe is my money?

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.

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.

 

Property Crowdfunding

How does it work?

We raise money through crowdfunding to purchase and rent 'buy-to-let' properties structured through an individual limited company.

What does that mean to me?

Upon investing, you will become a shareholder of the company that owns the property.

How safe is my money?

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.

When do I get my money back?

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.