In recent years, property crowdfunding platforms in the UK have emerged as an innovative solution for individuals seeking access to real estate investments without the capital or complexity typically associated with direct property ownership. For both UK-based and overseas investors, these platforms offer fractional ownership, transparency, and potential for passive income.
At Fraser Bond, we understand the evolving nature of real estate investment and offer advisory services to help investors evaluate and participate in credible UK crowdfunding opportunities – while managing risk and maximising return.
Property crowdfunding enables multiple investors to collectively finance the purchase or development of a real estate asset. In exchange, investors receive shares proportional to their investment, along with a share of the rental income or capital gains upon resale.
There are typically two investment structures:
Equity-based: Investors own a portion of the property and earn rental income plus capital appreciation.
Debt-based (peer-to-peer): Investors lend money and receive fixed interest payments over a defined term.
Many platforms allow participation from as little as £100 to £5,000, enabling access to prime UK property markets without the need for large sums.
Investors can spread risk by contributing to multiple properties, sectors (residential, commercial, mixed-use), and locations.
Equity investors may receive rental income quarterly or annually, while debt investors benefit from regular interest payments.
Crowdfunded properties are managed by experienced firms, handling lettings, compliance, and maintenance – ideal for time-poor or overseas investors.
Platforms provide detailed financials, project updates, and exit strategies online, allowing investors to monitor their portfolios from anywhere in the world.
While Fraser Bond does not endorse specific platforms, we monitor and evaluate market leaders, including:
Property Partner – Focused on residential buy-to-let and development, offering fractional ownership and secondary market sales.
Brickowner – Enables investment into institutional-grade developments and property-backed bonds.
CrowdProperty – A debt-based platform connecting investors with vetted property developers for fixed-term lending.
Shojin – Specialises in mid-size residential and commercial projects with co-investment from the platform itself.
LendInvest – A hybrid model offering both development loans and investment in residential bridging finance.
Unlike listed REITs, most crowdfunding platforms offer limited or no secondary market, meaning funds are often locked for several years.
Returns are tied to rental performance, property market conditions, and the success of development partners.
Investor funds are at risk if the platform ceases operation or lacks proper regulatory oversight.
UK-based investments may be subject to dividend tax, capital gains tax, or withholding tax for foreign investors.
Fraser Bond strongly recommends due diligence, independent financial advice, and platform vetting before committing capital.
Fraser Bond assists clients interested in the property crowdfunding space by offering:
Tailored investment strategy development
Due diligence on platform credibility, fees, and past performance
Comparative analysis of crowdfunding vs traditional investment options
Tax and legal coordination for non-resident investors
Post-investment portfolio support and review
We help clients understand how crowdfunding can fit into a broader real estate strategy, whether as an entry point to the market or a complementary income-generating asset.
UK property crowdfunding platforms have democratised real estate investment, offering accessible, flexible, and tech-enabled routes into a traditionally capital-intensive market. However, navigating this space successfully requires informed decision-making and strategic oversight. With Fraser Bond’s expertise, investors can confidently explore crowdfunding while balancing opportunity with risk.
