CrowdProperty
A property development lender funded by a regulated peer-to-peer platform and a £300m institutional line, writing £100k to £10m across all four UK nations.
What they do
CrowdProperty has funded around £1bn cumulatively, combining retail platform capital with institutional lines including a £300m facility from a major investment manager. Development, bridging and refurbishment facilities run from £100k to £10m, at up to 70 per cent of gross development value with 100 per cent of build costs funded, and up to 75 per cent loan to value on a first charge. Underwriting is done in-house using an appraisal tool built on more than fifteen thousand previous applications, with an informal offer typically inside a day.
Where they fit in a lower-mid-market raise
Full UK coverage including Northern Ireland and Scotland, at ticket sizes from £100k, makes this one of the most accessible development lenders in the market for a smaller scheme. Funding all of the build cost against a capped share of end value suits a developer whose equity is already in the land. The data behind the appraisal tool means an experienced developer gets a fast, consistent answer.
Where they are not the fit
This is first-charge property lending underwritten on gross development value, not corporate or cashflow finance. Focus is residential development, individual asset values run to around £1m, and light refurbishment is defined by works between fifteen and fifty per cent of value. Rates are not systematically published.
Published terms
- Pricing
- Not systematically published; ~11% interest rate cited illustratively. REAL product uses rolled-up interest with no retained interest
- Speed to terms
- Informal offer in ~24 hours; REAL bridging/light-refurb decisions and loans typically within 4-6 weeks
- Sponsored or sponsorless
- Sponsorless - SME property developer borrowers
- Where they lend
- England, Wales, Scotland and Northern Ireland
- How they decide
- In-house delegated underwriting using proprietary BUILD appraisal tool drawing on 15,000+ prior funding applications; informal offer ~24h. Authority is delegated below committee on at least part of the book
- Search funds and ETA
- No published route for search-fund or first-time acquirer borrowers
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
CrowdProperty lends through 3 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether CrowdProperty lends, but which of these would own it.
Development finance
- Facility
- £250k to £10m
- Security
- Fixed charge
- Funds
- Growth
- Rules out
- Not EBITDA/cashflow lending; Residential property development focus; Requires first charge over property
Bridging finance
- Facility
- £100k to £1m
- Security
- Fixed charge
- Funds
- Growth · Refinance
- Rules out
- Up to 75% loan to value first charge; Asset values up to ~£1m
Refurbishment finance (heavy & light)
- Facility
- £100k to £10m
- Security
- Fixed charge
- Funds
- Growth
- Rules out
- Up to 70% loan to gross development value and 100% refurbishment costs; Light refurb = works 15-50% of market value
How they sit against the category
- Its published ceiling is £10m; 54 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
- It lends through 3 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does CrowdProperty write?
Published facilities reach £10m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does CrowdProperty move?
Informal offer in ~24 hours; REAL bridging/light-refurb decisions and loans typically within 4-6 weeks. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does CrowdProperty lend to search funds or ETA buyers?
Not on the published evidence. CrowdProperty publishes no route for search-fund or first-time acquirer borrowers. A searcher's route to a lender usually runs through the quality of the target and the equity behind it.
On the record
2025: mid: reported total origination ~£450m (~£432m by Jan 2025); ~£1bn projects funded cumulatively; £300m institutional funding line agreed with major investment manager (AltFi.
March 2025: Launched REAL (Residential Expertise Accelerating Lending) no-retained-interest bridging/light-refurb product up to £500k (£750k London), 4-6wk turnaround (Alternative Credit Investor.
January 2025: Mike Bristow steps down as CEO; Steve Deutsch (ex-GB Bank/Wesleyan Bank) appointed CEO (Crowdfund Insider.
Sources: crowdproperty.com
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.