Property crowdfunding has emerged as a modern, accessible investment route within the UK real estate market. By allowing multiple investors to pool funds and collectively invest in property assets, crowdfunding platforms are reshaping how individuals — particularly those without large capital reserves — gain exposure to the property sector. Whether you're looking for passive income, capital appreciation, or portfolio diversification, property crowdfunding in the UK offers a compelling alternative to traditional buy-to-let models.
Fraser Bond provides insight and advisory services to investors evaluating crowdfunding platforms and projects, ensuring they make informed decisions aligned with market realities and long-term investment goals.
Property crowdfunding is a form of collective investment where individuals contribute funds toward the purchase, development, or refinancing of property assets. In return, investors typically receive a share of rental income, capital growth upon exit, or fixed returns based on debt structures.
There are generally two main models:
Equity Crowdfunding: Investors own a share of the property or development and benefit from long-term capital appreciation and rental yields.
Debt Crowdfunding (Peer-to-Peer Lending): Investors lend money to property developers or landlords and earn fixed interest on their capital over a defined period.
Unlike direct property investment, which often requires substantial deposits and financing, crowdfunding allows entry from as little as £100–£1,000. This opens access to property assets for a much wider pool of investors.
Investors can spread risk across multiple properties, locations, or development types without the complexity of managing each asset individually.
Crowdfunding platforms typically manage the assets, meaning investors are not responsible for property maintenance, tenant sourcing, or legal processes.
Digital platforms provide access to key metrics, legal documentation, and project updates — enabling transparent and data-driven decision-making.
While property crowdfunding offers significant advantages, it is not without risk. Investors should be mindful of:
Illiquidity: Property is inherently illiquid. Exit opportunities may be limited or dependent on platform conditions.
Platform Risk: Success depends on the integrity and solvency of the crowdfunding platform itself.
Market Volatility: Property prices and rental yields may fluctuate, particularly during economic uncertainty.
Lack of Control: Investors typically have no direct say in how the property is managed or disposed of.
Several FCA-regulated platforms operate in the UK, offering diverse property investment opportunities, including:
Property Partner
CrowdProperty
Blend Network
Shojin
The House Crowd (note: ceased operations; example of platform risk)
Each platform varies in minimum investment, deal structure, risk appetite, and return expectations. Fraser Bond assists clients in evaluating which platforms and projects align best with their investment profile.
Fraser Bond offers tailored guidance for individuals and institutions considering property crowdfunding as part of a broader real estate strategy. Our services include:
Due diligence on crowdfunding platforms and projects
Risk analysis and investment performance forecasting
Diversification strategies for investors across crowdfunding, REITs, and direct ownership
Access to vetted off-market and co-investment opportunities
Our expertise ensures clients maximise returns while managing exposure within this evolving investment landscape.
Property crowdfunding can be ideal for:
First-time investors seeking low-barrier market entry
Professionals looking to diversify income streams
Expats and international investors without access to local financing
Experienced investors balancing liquidity and yield across asset classes
Property crowdfunding in the UK is revolutionising access to real estate investment. With its low entry threshold, passive nature, and portfolio flexibility, it represents an exciting addition to the modern investor’s toolkit. However, as with all investment strategies, success depends on careful due diligence and professional guidance.
Fraser Bond provides the insight, risk management, and strategy needed to help clients navigate property crowdfunding — and invest with confidence.
