Could a supermarket become a supermortgage provider?

Have we just seen another example of the nation’s disillusionment with big banks with the launch of leading supermarket, Tesco’s, own variety of mortgages? We think so, and we also think it represents a growing rebellion against those banks by large and small institutions, as well as the private individual.

A couple of weeks ago we talked about the launch of the Bank of Dave, and how disillusionment with high street banking can breed entrepreneurialism and innovation. And at the other end of the scale, this move could represent a similar frustration, this time by one of the world’s largest organisations which has spotted a large gap in a somewhat under crowded and under delivering market.

While Tesco’s selection of mortgages and rates are neither market leading or particularly newsworthy, they do offer those of us who are disenchanted with the high street banks, an alternative. However, while we’re sure this will give the sector a much needed shake up, it’ll take a lot to convince us that this is not just another ‘big bank’ clone vying for a share of an already frustrated market.

We will of course be keeping a keen eye on Tesco’s progress, and whether it can convert its success in the fast moving consumer goods market to a success in the housing market.

The House Crowd is a brand new concept in property investment which allows people to invest small amounts via crowdfunding (for more information on the process, visit www.http://thehousecrowd.com/thehousecrowd//how-it-works/). We are committed to breathing life into empty, rundown properties whilst giving investors great returns on their investments (for more information about us, visit www.http://thehousecrowd.com/thehousecrowd//about/our-manifesto/). If you’ve read enough and want to invest now, visit www.http://thehousecrowd.com/thehousecrowd//invest-in-property/).

Let ‘Us’ Do The Property Investment Work For You

If you’re considering entering the buy-to-let property investment  market for the first time, and taking on the title of ‘landlord’ there is a raft of things you need to consider before jumping in; the property price, the structure of the building and the amount of rooms, to name but a few, however one not to be ignored is location. Kirsty and Phil have a point – location is everything!

The location can make a real difference to your rental return; new landlords may find that tenancy agreements are signed quicker if they can attract tenants to a region where there are plenty of opportunities. Consider facilities, such as transport links, shops, gyms and cinemas, not forgetting institutions such as hospitals, a university campus or a really good school down the road.

Here at The House Crowd, we do the homework for you, taking the hassle out of property investment and the burden of being a landlord, by finding great investment properties, in areas of good rental demand that produce high property investment net yields.  We then add value  through refurbishing empty properties therefore breathing new life into them and then selling them on.

Our unique crowdfunding model, opens property investment to the masses, by using just a small amount of capital. So if you’re weighing up the options and considering becoming a landlord, why not invest in The House Crowd and let us carry the weight of property investment on our  shoulders rather than yours.

The House Crowd is a brand new concept in property investment which allows people to invest small amounts via crowdfunding (for more information on the process, visit www.http://thehousecrowd.com/thehousecrowd//how-it-works/). We are committed to breathing life into empty, rundown properties whilst giving investors great returns on their investments (for more information about us, visit www.http://thehousecrowd.com/thehousecrowd//about/our-manifesto/). If you’ve read enough and want to invest now, visit www.http://thehousecrowd.com/thehousecrowd//invest-in-property/)

Crowdfunding helping advance science for the benefit of our planet!

At The House Crowd, we love to see how the pace of crowdfunding is gathering momentum, and the new sectors beyond property investment that are now embracing this method of fund raising for the greater good of all. Scientists are now using this funding mechanism for the good of the planet! This is an excellent way for bringing funds into the world of science as the fight for public funds gets ever more competitive, and as this method of funding gathers speed, the benefits of it will surely help the progress of science, which will have a huge impact for us all – a huge well done to crowdfunding! Radioactive tuna – now that would add a different dimension to a Salade Nicoise!!

Supporting ventures whereby a group of individuals have a joint interest is a great testament as to how, by participation as a community, some good is achieved for all concerned, as reported by the BBC World Service.

It is often said that in the UK we follow the US and yes, I know we are all leaders in our world; however, in the UK we often follow the bigger beast across the pond. This being the case, surely crowdfunding will be given the recognition and acknowledgement that it deserves, having already been endorsed stateside by President Obama, who passed the Jobs Act, which allows startups to raise capital through online crowdfunding, into law on 5th April 2012.

Well done to scientists for embracing this world sweeping concept, and using it for the benefit of everyone and everything on the planet!

The House Crowd is a brand new concept in property investment which allows people to invest small amounts via crowdfunding (for more information on the process, visit www.http://thehousecrowd.com/thehousecrowd//how-it-works/). We are committed to breathing life into empty, rundown properties whilst giving investors great returns on their investments (for more information about us, visit www.http://thehousecrowd.com/thehousecrowd//about/our-manifesto/). If you’ve read enough and want to invest now, visit www.http://thehousecrowd.com/thehousecrowd//invest-in-property/).

Can you blame people for thinking differently?

Moneyfacts reveals that there has been a considerable fall in buy-to-let property investment mortgages, the number of products now available is less than a fifth of those on offer five years ago. There are now 411 prime product buy-to-let deals compared with 459 a year ago and a staggering 2,265 five years ago. The average variable rate on a buy-to-let mortgage, today is 4.53%, compared with 6.23% five years ago, while the average fixed rate of 5.03% today compares with 6.03% five years ago.

Rachel Springall, spokesperson for Business Moneyfacts, said: “As interest rates have fallen for buy-to-let deals, product availability and therefore choice have also dropped a staggering 82% in five years.” She said that competition today is “focused around the price of a few products rather than a wide selection of products, which allow for other considerations such as service and additional benefits”. With such a reduction in selection of products to help property investors, obviously restricting the access to property as a form of investment, do you blame people for looking for alternatives? We at The House Crowd offer a solution to this problem negating all those hurdles faced by investors – our crowdfunding method of property investment offers a process where all participants have a  share in the profits -  with traditional methods of investing no longer working, why not join us in thinking differently!

The House Crowd is a brand new concept in property investment which allows people to invest small amounts via crowdfunding (for more information on the process, visit http://thehousecrowd.com/thehousecrowd/how-it-works/). We are committed to breathing life into empty, rundown properties whilst giving investors great returns on their investments (for more information about us, visit http://thehousecrowd.com/thehousecrowd/about/our-manifesto/). If you’ve read enough and want to invest now, visit http://thehousecrowd.com/thehousecrowd/invest-in-property/).

Crowdfunding Here To Stay

As we’ve previously stated, the term, ‘crowdfunding’ is currently all over the media, and as the Telegraph’s own Monty Munford, rightly observed in his article this week, ‘Crowdfunding really is hot’ and he couldn’t be closer to the truth!

According to www.crowdfunding.org there will be more than 530 crowdfunding services by the end of 2012, up 60 per cent on 2011 with 44 in the UK alone. Founded in the States, crowdfunding platform Kickstarter has quickly been heralded the bees knees of crowdfunding, and has been a huge success. Simply put, if a company needs to raise money for a project then investors can use this service to back them by pledging money, from small to large amounts.

As a property investment group based on the crowdfunding model, we are great supporters of the crowdfunding movement and we hope more and more companies take advantage of the growing number of crowdfunding services available today – cutting out the traditional money men and instead raising money via peer-to-peer lending, what could be better! In an environment where it is becoming harder and harder to borrow money from the banks, which are nowadays not particularly serving the people they were created to assist, crowdfunding can only grow from strength to strength.

The House Crowd is a brand new concept in property investment which allows people to invest small amounts via crowdfunding (for more information on the process, visit http://thehousecrowd.com/thehousecrowd/how-it-works/). We are committed to breathing life into empty, rundown properties whilst giving investors great returns on their investments (for more information about us, visit http://thehousecrowd.com/thehousecrowd/about/our-manifesto/). If you’ve read enough and want to invest now, visit http://thehousecrowd.com/thehousecrowd/invest-in-property/).

 

The House Crowd featured in Greater Manchester Business Week

The House Crowd is just all over the media lately!  Since we launched in March, we have had lots of new members join us, almost 700 now and we received some great very positive press coverage, which is fantastic! Crowdfunding is definitely taking off in this country.

This month saw us grace the pages of Greater Manchester Business Week, in an article about the crowdfunding phenomena that is sweeping the nation. The article goes in to detail about the concept, how it works, how to make the most of it and introduces Anne Strachan from CrowdfundUK, the only crowdfunding trainer in the North West.

As The House Crowd is an online crowdfunding property investment company which enables people to invest in property, we fitted in very nicely with the piece. If you didn’t get the opportunity to read the article, then fear not, here is the link – http://menmedia.co.uk/manchestereveningnews/news/business/sme/s/1580978_crowdfunding—how-to-stand-out-with-a-little-help-form-the-crowd

The House Crowd is a brand new concept in property investment which allows people to invest small amounts via crowdfunding (for more information on the process, visit http://thehousecrowd.com/thehousecrowd/how-it-works/). We are committed to breathing life into empty, rundown properties whilst giving investors great returns on their investments (for more information about us, visit http://thehousecrowd.com/thehousecrowd/about/our-manifesto/). If you’ve read enough and want to invest now, visit http://thehousecrowd.com/thehousecrowd/invest-in-property/).

Did You Hear The House Crowd on Radio 4?

Did you hear us on Radio 4?

This week saw our very own managing director, Frazer Fearnhead take to the microphone and appear live on Monday You and Yours show on BBC Radio 4, discussing the numerous benefits of being a member of The House Crowd.

The interview was a great success and resulted in a great many new sign-ups by new investors, who recognised the great many benefits of the property crowdfunding model after listening to Frazer’s enlightening explanation.

If you didn’t get the opportunity to listen to the interview, then don’t panic, you can check out the link below to listen along at your leisure. Scroll forward 17 minutes, 20 seconds to get to Frazer’s bit:

Listen to Frazer on Radio 4!

We hope you enjoy listening, and if you haven’t already jumped on board The House Crowd bandwagon,  why not join us now?

How To Find Out More

Register with us to find out more about getting involved with property crowdfunding, as a way to generate potentially excellent returns on investment through very little financial outlay:

Register Now for more Info

Find out more about How It Works

We are committed to breathing life into empty, rundown properties whilst giving investors great returns on their investments.

Update: Since this Radio 4 interview first aired in 2012, The House Crowd has gone from strength to strength. We continue to be the leaders in the property crowdfunding space in the UK, and our presence and great reputation is continuing to grow all the time.

Many more platforms emerged after us, and some have gone on to do very well. In fact, the entire property crowdfunding industry has exploded since we took those tentative first steps. It is now an industry worth billions worldwide.

No matter how big the industry grows, however, we are confident that, as well as being the first, we will always be the best.

Are London Property Prices Falling?

As is often the case, our capital is the matriarchal figure around which the rest of us follow. It is deemed by many to be the best tourist destination, the best place to find top notch restaurants, and generally the best place to live.

However, while for years it has defied the house price falls seen throughout the rest of the UK, recent reports from the ONS suggest London is now leading the way when it comes to plummeting house prices. Visit http://www.guardian.co.uk/money/2012/may/23/london-house-prices-catch-cold for the full article.

Whether or not this news means we should all be wary and expect the same elsewhere in Britain, for investors with The House Crowd it is irrelevant as their investments are not reliant on property prices increasing – our property investment strategies are much more effective than that!

 The House Crowd is a brand new concept in property investment which allows people to invest small amounts via crowdfunding (for more information on the process, visit our how it works page). We are committed to breathing life into empty, rundown properties whilst giving investors great returns on their investments (for more information about us, please look at our manifesto page). If you’ve read enough and want to invest now, go to our invest with The House Crowd page).

Stepping Up To The Plate: Letting to Local Housing Association Tenants

The House Crowd steps up as many landlords step back from Local Housing Allowance tenancies.

More than half of landlords can no longer afford to rent to tenants on housing benefit, according to a survey by the National Landlords Association (NLA), which we at The House Crowd think is a very worrying statistic.

We’ve known for a while that cuts to local housing allowance were happening. But with 53% of landlords now stating these cuts make it untenable to rent to those on benefits, and almost 69% saying they don’t expect to rent to local housing allowance tenants in the future, what position does this leave these vulnerable people in?

It is times like these when property investment strategies such as our crowdfunding model really come into their own. Not only are we stepping in as local housing allowance landlords, at a time when supply is increasingly limited but demand is high, we are also enabling would-be landlords the opportunity to be part of a property investment group, without the worry that issues such as these can present.

Whilst we know that our model is a great way for investors to make good potential returns in the property market, we are a company that – essentially – is concerned with the social good of our country. Alongside allowing a wider range of people to get a foot on the property ladder through the investment of whatever sum they have available, we are also committed to improving the state of the market for those seeking homes.

We work with SPVs who refurbish old properties to improve the standard of living for the next owner or tenant, and we make it easier for people seeking rental accommodation to find a home they feel comfortable in. By cutting out the banks and mortgage brokers, we are able to open the doors to more opportunities, both for investors and for those looking for a home in this environment of supply/demand catastrophe.

If you like the sound of a more democratised property market in the UK, then why not find out more about investing through property crowdfunding?

You can learn more about the work we do by registering on our website by clicking the purple button below. If you just fancy a browse through the properties we have on offer for investment at the moment, click the blue button!

Register Now for more Info

View our Property Investments

If you have any questions, or just want to chat about property investment and get some advice, then drop us a line. We’re always happy to help out!

Big investors encouraged into property industry

Members of the property industry are today urging the Government to encourage property investments by big investors  to support ‘build to rent’ schemes.

 

The Montague Review is looking at whether there are barriers preventing institutional investment in the private rented sector, on the basis that more rental accommodation is needed than the existing buy-to-let sector could supply.

 

A response by the British Property Federation, Association of Real Estate Funds and the Investment Property Forum says that big investors could be interested in the sector if there were legal S106 agreements in place, which would ensure that all properties on a development would be rented out for at least 10 years and not sold. It also calls for this type of housing to be recognised in the National Planning Policy Framework, so that local authorities could meet housing need through ‘build to rent’ schemes.

 

We at www.http://thehousecrowd.com/thehousecrowd/ think this news is fantastic – a great way to entice much needed property investment into the sector, while meeting current housing needs at the same time. While this model focuses on building new properties to meet demand, The House Crowd model concentrates on breathing life back into repossessed or distressed properties. Our model will not only bring old housing back onto the market, it will also give high property investment net yield to our investors; and with our low capital investment of just £1,000, we are even a great savings alternative for first-time buyers trying to gather their deposit!