CrowdProperty Reviews

CrowdProperty is a peer-to-peer lending platform specializing in property development loans, praised for transparency, competitive returns, and strong project vetting processes.

Here are the Trustpilot Reviews from CrowdProperty:

Here are the Reviews from CrowdProperty:

50% of my remaining money is tied up in loans which are at least 12 months overdue. Getting out, enough said.

Mr Cox

they would probably be the best in the world now. Update of previous 3 year old 5 stars review. Rating downgrade to 4 stars CrowdProperty Could Do Better I've been a lender/investor with CrowdProperty for nearly 4 years, since opening an IF-ISA in April 2021. My IF-ISA portfolio is AutoInvest only. My Dashboard currently shows: 127 projects repaid. 72 active projects. 173 active loan parts. So my invested funds are quite well diversified. The risk/return ratio has been reasonable. Returns on investment have generally been good. Overdue loans, defaults, and some potential losses, are to be expected, and are part of the accepted risks. But the amount of significantly long overdue loans (12-24+ months), defaults, and losses, are of concern. Currently 22% of my funds in active loans are 12+ months overdue, and half of those are 24+ months overdue. Recently I've experienced considerable capital loss on 2 repaid projects (only partially paid back), which were supposedly good quality, first charge, reasonable LTDV. I understand the housing development market conditions were bad during recent years and have adversely affected many projects and borrowers, of loans approved by CrowdProperty. I'm hoping they can effectively monitor projects, manage delinquent loans, and contain the problems. I'm hoping that they will eventually resolve and recover most of the distressed and defaulted loans, and reduce and minimise any further losses. Despite my concerns, I should emphasise that I still have confidence in CrowdProperty. My AutoInvest is still ON. AutoReinvest is still ON. I'm reinvesting repaid capital and interest. I'm not withdrawing any funds. The recent losses are disapointing, but are a relatively small percentage of my total portfolio. The risk/return ratio is still reasonable. My overall actual return on investment is still good.

Darren

Explore CrowdProperty's Finance Solutions:

Standard Bridging Finance

£100,000 – £3,000,000

Refurbishment Finance (Light & Heavy)

£150,000 – £5,000,000

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Explore CrowdProperty's Finance Solutions:

Loan Type:

Standard Bridging Finance

Loan Range:

£100,000 – £3,000,000

Loan Terms:

3 – 18 months

Minimum Turnover and Trading Age:

No fixed turnover requirement; borrower must evidence at least one completed property project or appoint an experienced professional team

Interest Rate:

0.80% – 1.20% per month (9.6% – 14.4% pa)

Fees:

Typical 2% arrangement fee, 1% exit fee, valuation & legal fees at cost, IMS fees where applicable

Loan Type:

Refurbishment Finance (Light & Heavy)

Loan Range:

£150,000 – £5,000,000

Loan Terms:

6 – 18 months

Minimum Turnover and Trading Age:

No turnover minimum; track record of similar refurb projects preferred

Interest Rate:

0.83% – 1.15% per month

Fees:

2% arrangement, 1% exit, monitoring surveyor fees per drawdown, standard valuation/legal costs

Loan Type:

Development Finance (Ground-Up & Stretch Senior)

Loan Range:

£300,000 – £10,000,000

Loan Terms:

9 – 36 months

Minimum Turnover and Trading Age:

No set turnover; demonstrable experience of at least two completed ground-up developments of similar scale

Interest Rate:

7.5% – 10.5% pa (served monthly or rolled-up)

Fees:

1% – 2% arrangement fee, 1% exit fee, QS/IMS monitoring fees, valuation and legal costs

Loan Type:

Development Exit Finance

Loan Range:

£250,000 – £5,000,000

Loan Terms:

3 – 12 months

Minimum Turnover and Trading Age:

Experience completing at least one ground-up or heavy refurb project

Interest Rate:

0.70% – 1.05% per month

Fees:

1.5% arrangement fee, 1% exit fee, valuation/legal fees – no ongoing monitoring fees

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More About CrowdProperty

CrowdProperty Limited is a Birmingham-based peer-to-peer lender established in 2014 specialising in short-term property project finance for professional developers, refurbishers and investors in the UK. The lender is FCA-authorised (FRN 723959) to arrange and manage loans secured by first-charge mortgages. Its services cater primarily to property professionals seeking funding options specific to project needs, with a focus on development and refurbishment projects. For more information about specialist lending, visit our Crowdproperty Reviews.

Key Features of CrowdProperty

CrowdProperty combines sector expertise with technology and regulatory oversight to support property projects efficiently. Borrowers benefit from transparent processes and security prioritisation.

Property-specialist underwriting team with deep sector knowledge ensures thorough evaluation; see asset and credit facility insights.
First-charge security clarifies borrower and investor risks; learn about first-charge mortgage.
Fast decisions typically within 24 hours aided by a digital borrower portal; explore online application tools.
Can lend up to 100% of build costs and 70% LTGDV with no early repayment charges after three months; check short-term business loans guide.
Independent Monitoring Surveyor (IMS) oversight assures planned fund drawdowns with project transparency; view monitoring surveyor role.

Funding Eligibility Requirements

You may qualify for funding if you are a UK-domiciled property developer or investor with proven project experience rather than a fixed company trading period. Borrowers must generally be a limited company, LLP, or special purpose vehicle and provide evidence of relevant property development or refurbishment expertise. Certain sectors are excluded such as owner-occupier mortgages or land without planning. Geographic restrictions apply, including exclusions for Northern Ireland. Check your eligibility further with our business eligibility checker and loan qualification guide.

Loan Options Available

CrowdProperty offers several specialised short-term loans ranging from bridging to development exit finance, aimed at professional property project finance with various terms and rates tailored to project needs.

Standard Bridging Finance: Loans from £100,000 to £3,000,000 for 3 to 18 months. Interest rates range from 0.80% to 1.20% per month. See more at bridging loans. Features include rapid completion, first-charge security, and no early repayment charges after three months.
Refurbishment Finance (Light & Heavy): Loans from £150,000 to £5,000,000 for 6 to 18 months. Interest rates range from 0.83% to 1.15% per month. Suitable for extensive works including HMOs and conversions. Details at refurbishment finance.
Development Finance (Ground-Up & Stretch Senior): Loans from £300,000 to £10,000,000 for 9 to 36 months. Annual rates between 7.5% and 10.5%. Designed for ground-up developments with up to 70% LTGDV and up to 90% Loan-to-Cost. Learn more at development finance.
Development Exit Finance: Loans range from £250,000 to £5,000,000 for 3 to 12 months. Interest rates from 0.70% to 1.05% per month. For releasing capital post-completion, visit development exit finance.

How to Apply

The application process is streamlined and digital, typically delivering indicative terms within 24 hours and full offers within 5-10 working days subject to documentation and valuation.

Submit an online application with project details and documentation via the borrower portal; see online application form.
Provide required documents including project appraisals, schedules of works, planning permission, valuations, company accounts or SA302s, and ID; review our document checklist.
Once reviewed, sign agreements and complete legal checks for a swift funding release; guidance on loan application timeline.

Funding Agent's View on CrowdProperty

CrowdProperty serves a distinct niche in short-term property lending with well-defined eligibility focused on experienced developers. Its FCA-regulated, first-charge loan products cater to those needing flexible and transparent funding with professional oversight. It is less suited for general business finance or those without property project expertise. Explore our loan comparison tool and eligibility checker to assess if CrowdProperty fits your funding needs.