All you need to do is select the right property loan for you. Our mission is to assist you in making profits on each and every property loan and having your capital returned. And we have a 100% track record to boot.

How it works

The Smarter way to invest in Property

The Crowd with Us platform is an online investment marketplace for carefully selected property deals. Our mission is to assist you in making profits on each and every deal and having your capital returned. And we have a 100% track record to boot!

All you need to do is select the right deal for you. Example Loan Deal below:

Loan Deals

Fixed Interest of between

10-18%

per year.

CWU structures asset backed property loans, offering specified returns and a fixed redemption date.

You transfer money to your CWU eWallet
CWU then lends your funds to a borrower, for which the borrower provides security over verified UK real estate assets
The property company is owned by a property developer
The property developer will carry out the property project or development
Securities are held in Trust for the duration of the Loan

How do you profit from your loans?

It works very much like any other loan; you earn interest on the funds you invest. Interest may be paid:

Monthly
At the end of the loan term

Interest rates vary depending on the risk exposure or ranking within the capital stack, (First or Second Charge) in relation to other funds used by the borrower to fund the project.

CWU does not charge its investors fees for investing in any of its projects.

Loan: Due Diligence
& Risk Mitigation

Crowd with Us carries out institutional-grade due diligence on each deal.
We do due diligence on the:

Property developer
Property deal
Property legals by the CWU appointed lawyer

See full details in Investment Summary for each deal

Risk mitigation in detail

The Crowd with Us unique 3D due diligence in detail

Property developer due diligence by CWU

Track record - the developer needs to have carried out 3 or more projects
Net worth - the developer needs to have cash in the bank, equity and/or assets which substantiate their track record
Background credit and fraud checks
Financial accounts (personal and/or company accounts as required)

Deal analysis by CWU

Financial analysis of the deal
Valuation reports for the properties from a RICS surveyor (Royal Institute of Chartered Surveyors)
Development cost per square foot needs to be appraised and justified
Business project plan to be in place
Professionals identified such as the project manager, quantity surveyors, architects, planning consultants, structural engineers and others

Legal checks by CWU appointed lawyer

Legal aspects of the deal are checked by an independent lawyer appointed by CWU to check the deal legals on behalf of investors. Not all property crowdfunding platforms do this. This means:

Property title report and searches carried out by the developer’s lawyer are double checked
Legal title at HM Land Registry
Insurances and indemnities from the developer and contractors if applicable
Articles of Association of the property company
Bondholder terms checked as set out in the Information Memorandum

Loan: Security

Our loans are secured via a debenture (a company charge) over the company at Companies House
Our loans are secured via a charge against the property title at HM Land Registry (1st or 2nd charge, depending on the ranking)
The Term Sheet will define the principal characteristics of the Loan
The company’s governance by the property developer is set out in the property company’s Articles of Association which is filed at Companies House
The Companies Act 2006 is the main piece of legislation which governs company law in the UK
Securities for each project will be held in Trust and outlined in the Security Trust Deed
Risk warning: secured lending on property is not risk-free. There is a risk that if the underlying borrower defaults, or if there is a delay in realising the asset, then the security may not be sold for enough to cover the loan or may result in delayed repayment of investors’ money. Past performance is not a reliable indicator of future results

Loan: Our fees

CWU derives fees whenever you as an investor are matched to an asset-backed property deal. Here’s how it works:

Investor fees

Fundraise - None Exit - None

Property company fees*

5% fundraise fee 3% monitoring fee ** Bespoke service package fees - see Investment Summary for each deal * These fees are indicitave and may vary. Please see the Investment Summary for each deal for the specific fees relating to each deal.
** Calculated per annum based on the projected term of each deal