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P2P Underwriting and Procedures
Property values can fall. Your capital is at risk & returns may vary. Read our Risk Warning and our Important Information page.


Important Information Regarding our Peer to Peer Loans.

Before investing in one of our Peer to Peer loans it is extremely important that you read and familiarise yourself with our P2P Underwriting and Procedures Manual so you are aware of the extensive criteria a loan applicant must meet before we accept them as a client. 

The manual covers the deal life cycle and process, the criteria for the loans we will accept, and the redemption of the loan process, including the recovery procedure that is followed if the loan goes into default.   Loans of this nature can and do go into default, so it is vital you understand the procedure that is undertaken when this event occurs which is covered on page 24 of the below manual.

Click here to download our P2P Underwriting and Procedures Manual.

Please note: All the listed secured loans are not regulated mortgage contracts because they are either second charge business loans which are excluded from the definition of a regulated mortgage contract, buy-to-let agreements or loans secured against commercial property.  

Summary table of development and bridging loan data

      YTD Cumulative
  2015 2016 2017 @ 31st December 2017
Development & Bridging Data        
Actual Default Rates* 11.1% 20.0% 27.3% 21.4%
Number of Loans Completed 9 31 84 124
Total Value of Loans Completed £2,312,074 £16,095,000 £30,561,700 £48,968,774
Average Loan Period 11 11 9 9
Average Loan Size £256,897 £519,194 £363,830 £394,909

*Figure shows the % of loans that have gone into default* (*defined as a loan that was either repaid more than 8 weeks following the end of the loan term or is currently in default). Please note that to date 100% of capital has been repaid on all House Crowd loans.


The House Crowd Limited (FRN 725648) is authorised and regulated by the Financial Conduct Authority. The House Crowd Limited nor any of their affiliates or group companies provides any advice or recommendations in relation to this website. If you have any doubt about the suitability of any investment marketed by The House Crowd Limited, or you require financial advice, you should seek a personal recommendation from an appropriately qualified financial advisor that does give advice.

Investments are only available to certain specified persons who are sufficiently sophisticated to understand the risks. Investments in property and unlisted shares carry risk and you may not receive the anticipated returns and your capital may be at risk.