CrowdProperty

About CrowdProperty

CrowdProperty was founded in 2014 by Mike Bristow and co-founders with deep personal experience of property development and investment. Unlike many fintech lenders that overlay technology on a generic lending model, CrowdProperty was built from the ground up around the specific needs of SME property developers — a market segment that traditional banks have consistently underserved. The Birmingham base reflects a deliberate choice to operate outside London where a different kind of expertise and relationships can be built.

The business is authorised and regulated by the FCA (FRN 723959), which means it can arrange and manage loans secured by first charge mortgages as a P2P platform — one of relatively few property development lenders in the UK with this structure. Institutional capital now sits alongside retail investor funding, giving CrowdProperty scale and stability while retaining the close engagement with developers that defined its early years.

Around £1 billion has been deployed across projects since launch, covering ground-up development, refurbishment, bridging and airspace development. The lender is also active in Scotland and Northern Ireland — broader geographic coverage than many comparable development finance providers.

Bridging Loans from CrowdProperty

CrowdProperty's bridging product covers loans from £250,000 to £5 million, with terms from 3 to 18 months and LTVs up to 75%. Rates start from 0.80% per month. All loans are secured by a first charge. There are no early repayment charges after the first three months. The lender takes a property-expertise-led approach to underwriting, with a team that assesses deals against the quality of the project and the track record of the developer rather than relying on automated scoring alone.

Full Product Range

• Bridging Finance – Standard and fast-track (REAL) bridging from £250k to £3m for purchases, refinancing and light refurbishment, with completion possible within days on eligible cases.
• Refurbishment Finance – Light and heavy refurbishment loans from £150k to £5m, covering HMO conversions and change-of-use projects.
• Development Finance – Ground-up and stretch senior lending from £300k to £10m for experienced SME developers.
• Auction Finance – Pre-agreed facilities to support auction purchases with rapid completion.

How to Apply with CrowdProperty

Applications can be submitted in as little as five minutes via the CrowdProperty platform. The team reviews each deal against their credit criteria and the developer's track record, with a focus on first-charge security and transparent exit strategies. Direct and broker-introduced business is both welcome.