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CrowdProperty Review

CrowdProperty is a UK property development finance platform founded in 2014 and headquartered in Bristol. The company provides development finance and bridging loans exclusively for residential and mixed-use property projects, funded through a combination of institutional capital and retail investors via its FCA-regulated crowdfunding platform. CrowdProperty is notable for being founded by experienced property professionals — its underwriting team brings deep hands-on property development knowledge to every application, which borrowers and brokers consistently cite as a major differentiator. The platform has funded over £700 million of property loans across more than 800 projects.

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£200k – £10M

Rates

0.65% – 1.1%

per month for development finance; arrangement fees typically 2% of loan

Speed

Indicative terms within 48 hours; full credit decision within 2 weeks; drawdown from 4 weeks

Trustpilot

4.9/5

320 reviews

What is CrowdProperty?

CrowdProperty (CrowdProperty Limited) is a UK-based business finance provider founded in 2014 and headquartered in Birmingham. CrowdProperty is a UK property development finance platform founded in 2014 and headquartered in Bristol. The company provides development finance and bridging loans exclusively for residential and mixed-use property projects, funded through a combination of institutional capital and retail investors via its FCA-regulated crowdfunding platform. CrowdProperty is notable for being founded by experienced property professionals — its underwriting team brings deep hands-on property development knowledge to every application, which borrowers and brokers consistently cite as a major differentiator. The platform has funded over £700 million of property loans across more than 800 projects. They have lent £700 million+ to date, helping 800+ UK businesses.

Founded 2014 Birmingham CrowdProperty Limited is authorised and regulated by the Financial Conduct Authority. FCA reference number 650672. CrowdProperty is registered as a loan-based crowdfunding platform under FCA rules.

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Products offered

Development Finance Bridging Loans

Rates and costs

Rate range
0.65% – 1.1% (per month for development finance; arrangement fees typically 2% of loan)
Representative APR
10.5% APR representative (development finance)
Amount range
£200,000 – £10,000,000
Approval speed
Indicative terms within 48 hours; full credit decision within 2 weeks; drawdown from 4 weeks

Representative example

Borrow £800,000 over 18 months. Total repayable: £944,000. Cost of credit: £144,000. Your rate depends on your circumstances.

Eligibility requirements

Minimum trading history
None required — development experience is more important than trading history
Minimum turnover
None — project and developer experience based underwriting
Credit requirements
Developer experience is the primary criterion — CrowdProperty prefers experienced developers with a track record of completed projects. Moderate adverse credit may be considered where development track record is strong. All lending is secured against the property asset.

How to apply

1

Check eligibility through Lendus — answer a few questions about your business and funding needs (2 minutes)

2

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3

Review your matched options — see rates, terms, and eligibility from multiple providers including CrowdProperty

4

Choose the best offer and complete the application with your matched lender directly

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Pros and cons

Pros

  • Highest Trustpilot rating of any UK development finance provider — 4.9 from 320+ reviews
  • Founded by property development professionals — deep sector expertise in underwriting
  • Competitive development finance rates from 0.65% per month for experienced developers
  • Technology platform provides transparent project updates and drawdown management
  • Can fund projects other development lenders find too complex or niche

Cons

  • Minimum loan of £200,000 excludes small residential conversions
  • Crowdfunding model means funding timelines depend on investor appetite
  • Less suitable for first-time developers without a completed project track record
  • Arrangement fees of around 2% add to the total project cost

Is CrowdProperty right for you?

Best for

Experienced UK residential and mixed-use property developers needing development finance or bridging for projects between £200,000 and £10 million, who value specialist property underwriting over generic lending criteria

Not ideal for

First-time developers with no completed projects, borrowers needing the absolute fastest drawdown, those requiring commercial (non-residential) development finance, or projects needing over £10 million

CrowdProperty alternatives

If CrowdProperty isn't the right fit, consider these alternatives:

LendInvest Together Shawbrook Bank West One Loans

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Frequently asked questions about CrowdProperty

Is CrowdProperty legit?
Yes, CrowdProperty Limited is a legitimate FCA-authorised loan-based crowdfunding platform (FCA reference 650672) founded in 2014 and focused exclusively on UK property development finance. The company has funded over £700 million of property loans across more than 800 projects and holds an outstanding Trustpilot rating of 4.9 — the highest of any UK development finance provider. You can verify their FCA status at register.fca.org.uk.
What are CrowdProperty interest rates?
CrowdProperty development finance rates typically start from around 0.65% per month for experienced developers on well-structured residential projects, rising to approximately 1.1% per month for higher-risk or more complex transactions. Arrangement fees of approximately 2% of the total loan amount are standard. All rates are individually assessed based on the project, the developer's track record, and the loan-to-GDV ratio. A Lendus comparison will show how CrowdProperty pricing stacks up against other development finance providers for your project.
Can I get CrowdProperty finance with bad credit?
CrowdProperty's underwriting focuses primarily on the developer's track record and the quality of the project rather than credit score alone. Moderate adverse credit may be considered where the developer has a strong history of completed projects and the loan-to-GDV is conservative. Severe adverse credit, including recent bankruptcy or active insolvency proceedings, is unlikely to be acceptable. For adverse credit development finance, specialist lenders such as Together Money may consider more difficult cases.
How much can I borrow from CrowdProperty?
CrowdProperty provides development finance and bridging loans from £200,000 to £10 million. Facilities are structured against the gross development value (GDV) of the completed project, typically up to 70% of GDV and 90% of build costs. Drawdown is made in tranches against build progress. The £200,000 minimum means CrowdProperty is best suited to multi-unit schemes or larger single-unit developments rather than straightforward single dwelling refurbishments.
Is CrowdProperty FCA regulated?
Yes, CrowdProperty Limited is authorised and regulated by the Financial Conduct Authority as a loan-based crowdfunding platform under FCA reference number 650672. This means both borrowers and investors on the platform operate under FCA regulatory oversight. As a crowdfunding platform, CrowdProperty is subject to specific FCA rules regarding wind-down planning and client money protection. You can verify their status at register.fca.org.uk.
How fast does CrowdProperty approve development finance?
CrowdProperty can typically provide indicative terms within 48 hours of a complete project submission. Full credit committee approval usually follows within 2 weeks. First drawdown of funds typically occurs within 4 to 6 weeks of credit approval, depending on legal documentation and valuation. As a crowdfunding platform, CrowdProperty's funding timelines can be influenced by investor demand for the specific loan, though the platform has institutional capital lines that reduce this dependency significantly.
Can I repay CrowdProperty finance early?
CrowdProperty development finance typically allows early repayment of the full facility at any point after a minimum interest period. The minimum interest period is usually 3 months, after which early repayment can be made without significant penalty beyond any arrangement fee already incurred. As development finance is inherently short-term and project-based, CrowdProperty expects and plans for early repayment upon project completion and sale or refinance. Always confirm the specific minimum interest terms in your facility agreement.
CrowdProperty vs LendInvest — which is better for development finance?
CrowdProperty and LendInvest are both well-regarded UK property finance platforms but suit different developer profiles. CrowdProperty's underwriting team is drawn from active property development professionals, giving it particularly deep expertise for residential development projects — and its 4.9 Trustpilot rating reflects borrower satisfaction with this approach. LendInvest is a larger, AIM-listed platform with a broader product range including buy-to-let mortgages and bridging, and may offer faster technology-driven decisions on straightforward bridging. For residential development finance specifically, comparing both through Lendus will surface the best available terms for your project's size and structure.

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