The emergence of peer to peer investing directly correlates with investor frustration in more conventional lending options.
High-street bank savings accounts might seem simpler, but returns are often much lower – and they require you to tie up your money for significant periods of time to realise a profit.
The modern investor doesn’t want to wait around to make money, and the modern borrower is less inclined to rely exclusively on traditional financial intermediaries like banks. Peer to peer lending (P2P lending) has risen to meet both needs.
The House Crowd provide a fresh alternative to traditional investing, whether you're looking to diversify your existing portfolio or investing for a consistent, passive income. Open your account today to view our products in detail, plus you'll receive a Free Investment Guide.
At The House Crowd, we offer a secured peer to peer lending service designed to allow you to loan money directly to property owners and businesses. It’s simple, intuitive, and designed to address your most important property investment needs. Here’s how it works:
You can get started with peer to peer investing through The House Crowd from just £1,000 and loans are typically short-term, lasting from 3-12 months.
Returns of between 8-10% p.a. Between 2016-18, the average was 9.2% p.a. (average returns by year: 2016 = 8.8% p.a., 2017 = 9.7% p.a., 2018 = 8.9% p.a.) – significantly higher than you’d get with a savings account. Note that past performance is not a guide to future performance.
No fees payable on any returns: When you make a profit through our platform, you keep it.
Security: All investments are safeguarded by a registered legal charge against the property in question. If the borrower defaults, we have the right to take control of the property and force a sale to try and recover your investment.
A cushion against the unpredictable: Our maximum Loan-to-Value (LTV) ratio is 75% - with valuations determined by an independent RICS surveyor, the property market would have to fall by over 25% for you to lose money. During the last recession it fell 13% - that gives you an idea of how bad things would need to get!
Complete transparency: You always know where your money is going, who it’s going to, and for what purpose.
*Capital at risk. Property prices can go down as well as up.
At The House Crowd, we’ve made over 120 peer to peer loans, and more than £48 million has been invested in our platform to date – without a single penny lost (note that past performance is not a guide to future performance).
As an FCA regulated company, we can be relied on to present information accurately, and follow our own strict internal guidelines to keep your capital safe and secure. Due diligence is done on every property and every borrower: we make sure you always know the true value of your investment and have a clear exit strategy in place.
