How it works

Crowd with Us matches property deals with investors.

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. Below are two different examples of investment into a property development project, and how they work.

Equity Deals

Your investment buys shares in the property company that owns this particular property project. The capital raised from shareholders is used to fund the project, together with funds raised via bonds or bank loans.

  • You buy shares in the property company
  • The property company is owned by the property developer
  • The property developer carries out the property project or development

Loan Deals

Your investment buys bonds from the property company through which the developer will carry out this particular property project. The property company uses the funds raised via the bond to fund their project. It works like a loan; you earn interest from your bonds.

  • You buy bonds from the property company
  • Works like a loan
  • The property company is owned by a property developer
  • The property developer will carry out the property project or development

How do you profit from your shares?

You may derive profits from your shares in a number of ways, depending on the deal. Profit from the development project is made through the property strategy best suited for that project:

  • Rental - the properties may be rented and then sold to achieve a higher price in the future. In this case you may also make rental dividend profits from renting the properties, the development profit and further profit from capital growth of the properties
  • Selling the shares
  • Selling properties - the properties may be sold on completion of the property development project
  • Selling the company

Please see information memorandum for each deal.

How do you profit from your bonds?

It works very much like a loan; you earn interest from your bonds. Bonds are issued directly to you from the property company that owns the project which is managed by the property developer. Interest on bonds may be paid to you:

  • Monthly
  • At the end of the bond term

Bond interest rates vary depending on the risk exposure or ranking of the bond in relation to other funds used by the property company for the project.

Please see information memorandum for each deal.

Equity: Due Diligence
& Risk Mitigation

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

  • Property developer
  • Property deal
  • Property legals by the CWU appointed lawyer

See full details in Information Memorandum for each deal.

Loan: Due Diligence
& Risk Mitigation

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

  • Property developer
  • Property deal
  • Property legals by the CWU appointed lawyer

See full details in Information Memorandum for each deal

Equity: Security

  • Your shares in the property company are registered at Companies House
     
  • The property company’s ownership of the properties is registered at HM Land Registry
  • Shareholder rights in the company are set out in the Information Memorandum as shown on the CWU platform
  • 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
  • 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: Security

  • Your bonds are secured via a debenture (a company charge) over the company at Companies House
  • The bond is secured as a charge against the property title at HM Land Registry (1st or 2nd charge, depending on the ranking)
  • The terms of the bond are set out in the Information Memorandum as shown on the CWU platform
  • 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
  • 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

Equity: 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 2% share resale
Property company fees*
5% fundraise fee 3% monitoring fee ** Bespoke service package fees - see Information Memorandum for each deal * These fees are indicitave and may vary. Please see the Information Memorandum for each deal for the specific fees relating to each deal.
** Calculated per annum based on the projected term of each deal

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 2% share resale
Property company fees*
5% fundraise fee 3% monitoring fee ** Bespoke service package fees - see Information Memorandum for each deal * These fees are indicitave and may vary. Please see the Information Memorandum for each deal for the specific fees relating to each deal.
** Calculated per annum based on the projected term of each deal

Want to be an investor in Crowd with Us?

If you are interested in investing in CWU itself as the mother company, please click here to find out how you can crowd with us to continue building the Amazon of asset-backed investments.

Tax

Crowd with Us does not offer tax advice

Dividends

£2,000 tax free pa

  • Monthly rental dividens
  • Sale of properties while company is solvent
Note: dividends can be paid out from a solvent company if the shareholders vote to do so

Capital gains

£12,000 tax free threshold pa 2019/20
£12,300 tax free threshold pa 2020/21

  • Sale of shares
  • Sale of company
  • Share buy back by property company
  • Capital distribution if/when company is wound up and assets sold