Frequently Asked Questions

  • 1. Who is CWU?

    Crowd with Us Limited (CWU) is founded by three entrepreneurs; Robert Pasternak, Robert Wilkinson and Thor Portess. We have extensive experience in property investment, development and construction, as well as finance and business management. Between us we have been directly involved in 50 plus separate property deals and indirectly involved in many more. In addition to property, we have experience with online technology based business spanning back to 1997.
    CWU’s long term goal is to provide the general public with a new and innovative way to own property investments in the UK and eventually, globally.

  • 2. When was CWU established?

    CWU was incorporated in October 2014. Prior to this we operated a similar model working with private investors offline. CWU is an extension of this model.
    CWU’s long term goal is tohelp other property developers reach out to a wider base of investors.

  • 3. What kind of business is Crowd with Us?

    We are a property crowd funding business. What this means is that rather than working by ourselves and with select investors to build a property portfolio, we have opened the doors for other entrepreneurial property developers to partner up with a broader base of investors. We haveconsiderably lowered the threshold for entry for investors. By working together with crowd investors, everyday people like you, you are able to leverage our skills, expertise and your cash. It is much quicker for us to raise finance in this way and in return  should the deals go to plan, you benefit from the upside with the developers. The platform we operate is completely open book and if you don’t make money, nor do the developers. You can’t get fairer than that!

  • 4. How does it work?

    The model is simple. We match you and other investors with property deals.
    Crowd with Us promotes two types of property deals; (1) Property Developments & (2) Distressed Property Deals where finance is needed to rescue a situation.

    The deals are found and carried out by property developers around the UK in areas where we believe there is opportunity for growth and/or where we feel the deal itself presents good profit margins for you as an investor.

    The property developer takes care of the finding, acquiring & developing of the properties and prepares them for rental or sale. Your investment funds are used together with bank finance taken out by the developer to acquire and develop the properties which are then rented and/or sold.

    Where financially distressed deals are being rescued, the funds raised may be used towards paying off arrears on a mortgage or for clearing debts which are secured against a property so that it can be rented and/or sold. In some situations the properties will be bought outright by a property developer with you and other investors.

    The property developments will either be sold as soon as the development is complete or rented until the values reach a pre-determined sales trigger value. Crowd with Us may be appointed as the rental management company or an external letting agent may be appointed.

    Full details of each deal are presented on a deal by deal basis. Please refer to the “Properties” (Click here) page to see all deals.

    Investing
    You may invest in one of two ways, as a Shareholder where you become an owner of Shares in the company that owns the property or you may invest in Loan Notes where you are paid a fixed return on your investment.

    Shares
    Each property development is bought in a special purpose vehicle company (SPV Company). The SPV Company is owned by the property developer and you are issued shares when you make your investment into the SPV Company via the Crowd with Us website. The properties are developed with the aim to sell for a profit. Assuming there is a profit, you will receive proportionate amount of profit to your investment into the SPV Company.

    If a property is rented for period of time before selling it, you will be issued rental dividends from the rental profits of the property after deduction of running costs such as mortgage payments, maintenance & rental management fees.

    Loan Notes

    In everyday speaking terms, a Loan Note is an instrument (financial document) which allows you to invest in property related loans via the Crowd with Us platform. The loan note funds are invested into specific property projects such as property developments where the loan notes attract a fixed interest and must be repaid within a certain time frame.

    In a property development or project, the loan note funds may be used towards any of the project costs.

  • 5. What experience do you have?

    We bought our first property in London back in 2002 and since this time have grown our own personal portfolios alongside other property and business interests. Whilst between us here at CWU we have carried out over 50 individual deals,  our investors to date, who have already ‘Crowded with Us’, we have bought and/or sold over 500 properties, predominantly in London.   

    In this time we have worked with other property developers on a joint venture basis. Hence we have experience in determining who we believe is a good developer partner to work with.

  • 6. How do I know I can trust CWU?

    Here at CWU we understand that trust is earned not given. We are fortunate in that having been in the industry for a number of years we’ve proven ourselves time and time again as can be seen from our many testimonials. We believe that this experience allows us to source the best opportunities in the best locations in order for you to get the most out of your investment.

  • 7. What are the risks of a developer mortgaging a property?

    Like all asset classes and markets, properties can go down in value as well as up. With our model, the property developer applies for the bank finance and is a major shareholder in the SPV Company which carries out the property project.
    The developer personally guarantees the mortgage finance on behalf of the SPV Company. Whilst this does expose you to the associated risks, such as debt recall and interest rate hikes, we ensure these risks are mitigated as much as possible and one of these ways is to ensure that the  gearing or Loan to Value (LTV) of the bank finance is 70% or less which means there is a higher chance of refinancing the bank finance to rental finance as soon as the property development is finished and the units are let. Where possible, we will encourage our property developers to fix the interest rates to reduce any risk against rising interest rates.

    A summary of risks can be found here; you should also note that further risks can be found in the  investor documentation provided prior to investing.

  • 8. How do I manage my risk?

    CWU undertakes extensive due diligence on each property to ensure risks are reduced to a manageable level or removed altogether where if possible.

    From your side, rather than manage all the risk yourself, as would be the case if you were to purchase the property in your own name, you are able to share the risk with the rest of the crowd. In addition to this, to further reduce your risk you can spread your investment over several different projects as opposed to just investing in one project.

  • 9. Why mortgage the properties?

    The CWU model is an extension of a model we’ve operated successfully for some years as well as many of our property developers. We feel that using bank finance gives us a competitive edge as we are able to offer much higher exit returns to you as an investor due to the leveraged aspect.

    The property developer will in most cases seek to obtain bank finance for at least 50% of the project costs. So in essence, the property developer is making their profit from the proportion of the project which is financed by the banks. This is the effect of leverage.
    If the value of the property increases, you as an investor could make more using the leverage of a mortgage as opposed to not using a mortgage and similarly if the value of the property goes down, you could lose more of your investment.

    To mitigate the risk of loss in a falling market, the developer may look to rent the properties at the end of the development so that the properties can be sold in a high or rising market rather than a falling or low market, if this is the case at the end of the development.

    Please refer to the ‘How it Works’ section for more details.

  • 10. How do you protect against a fluctuating market?

    We  cannot predict or offer any guarantees on property prices or market trends. The Fluctuating nature of the property market can be favourable, house prices are currently rising, however it can also take a downturn.
    To mitigate the risk of loss in a falling market, the developer may look to rent the properties at the end of the development so that the properties can be sold in a high or rising market rather than a falling or low market, if this is the case at the end of the development.

  • 11. What kind of properties or projects do you look for?

    We look for properties and projects which we believe have the potential to increase in value from the property development. We also look for projects in what we and the developer  believe is an up-and-coming area where prices may rise.

  • 12. How are the properties and projects sourced?

    Property developers come to us with their projects. We also have an extensive network of mortgage brokers who send developers to us.

    We then carry out the due diligence on each deal on a case by case basis to assess the project, the developer and the location.

  • 13. How are the properties valued?

    Properties are valued by RICS (Registered Institute of Chartered Surveyors) certified surveyors, which is the standard valuation process accepted by banks. We also have our own in-house systems where we access land registry data to carry out the same due diligence.

  • 14. Do I get to choose the properties and projects I invest in?

    Indeed you do. All available properties will be visible on the website. You choose the property, how many shares or loan notes you’d like to invest in and can even choose to spread your investment over several different properties.

  • 15. Who owns the properties?

    The properties will be owned by an SPV (Special Purpose Vehicle) which is simply a limited company designed for such purposes. You will be a shareholder in this company together with the property developer carrying out the project.

  • 16. How can I get involved?

    It’s a very simple process. Select ‘sign-up’, create an account, review the investments and begin investing. Please note that pre-qualification criteria applies to all prospective investors.

  • 17. What is the minimum/maximum investment?

    You can invest from as little as £1,000. There is no maximum investment. If a particular property is fully funded you can choose to invest in the next.

  • 18. What is my potential return of investment?

    See also ‘How does it work’ section


    Shares: There will be two potential streams of revenue for each investor from “shares” in deals:


    1) Rental profit is distributed pro-rata (proportional) to investors according to your shareholdings. . This is the actual rent received minus costs such as mortgage interest, management and maintenance fees. For an exact list of expenses please refer to the Acquisition Costs Summary within the financials tab of each property.
    2) Profit made from the sale of a property. The property/project will be sold when the value reaches the sales trigger value.  The sales profit is paid to you and other investors on the proportion of shares owned by you in the SPV Company that owns the property project.


    Loan Notes: You will receive fixed interest payments on your loan notes. These interest payments will be paid in intervals as set out in the loan note promotion. The intervals will be either: monthly, quarterly, half yearly, yearly or other intervals as set out in the promotion for each deal.

  • 19. What does property management entail?

    The properties will be rented out to tenants. CWU, or an appointed letting agent if not CWU, will take care of all of the day to day property related management and lettings so you don’t have to. For this a 10% management fee will be factored in to each deal (please refer to the Acquisition Costs Summary within the financials tab of each property).

  • 20. Can non-UK citizens invest?

    Yes. Deals on the Crowd with Us website are not limited to just UK citizens. Please contact us and we will help you through the process.

  • 21. Can I build a portfolio with you?

    Our aim is to help you build a successful, hands-free portfolio from the comfort of your home. You are free to invest in as many properties as you choose.

  • 22. What are the benefits of investing with CWU?

    The benefits are numerous.

    You may be one of the many people who struggled to save up a deposit for a property. This isn’t done over night and often by the time you’ve saved up enough, the market has moved, meaning you’re constantly playing catchup. CWU may resolve this issue. As you save more, you may choose to invest more and no longer play catchup with the market as you are part of it!

    Alternatively, you may be looking to invest for your retirement and see property as the ideal vehicle to grow your money.

    Perhaps you want to get into property but don’t feel like you have the experience or confidence to do it by yourself. We cater for any and all scenarios, with our primary aim being good results and great customer satisfaction.


  • 23. Will you keep me updated about my investment?

    Of course! When you sign up with us you’ll be able to choose your own username and password and will be able to sign into your own personal accounts area. Once in you’ll have full access to the site, including the properties you’ve invested in. Any updates to any of your properties can be found here. You’ll also be able to register an email address whereby we’ll also email you any updates.

  • 24. Can I sell my shares or loan notes?

    Yes, you may choose to sell your shares or loan notes at any time. Crowd with Us will assist you where we can and introduce you to other investors if we have other investors who wish to buy. We may be interested in buying your shares also.

    As we build our network of investors, we will create a shares resale page on  the website to facilitate investors who wish to sell their shares to other investors.

    We cannot guarantee that you will be able to sell your shares or at what price. Please consider your options before investing into a property investment as it should be viewed as a medium term investment rather than short term.


  • 25. What rights do I have as a share holder or note holder?

    Shareholders: As a shareholder of the property owning company (SPV) you do have certain voting rights. These are listed in detail within the Company Management & Investment Agreement which you’ll find in the document section of each property listed.
    We will also contact you electronically for any major decisions pertaining to the property, for example if it is sold or not if a sales trigger value is not reached. There will be a deadline to answer these questions.

    Noteholders: As a note holder, you are entitled to the interest on your loan notes and your money back at the end of the term. If there is a problem with either, the security trustee will act on your behalf to recover your interest and capital for the loan notes.

  • 26. Who pays for the renovation or development?

    The costs of any renovation or development will be included as part of the project costs and therefore covered from the funds raised at the outset. In addition to this a development contingency amount will be raised for each property project to allow for unforeseen expenses. In the unlikely event that the contingency funds is not enough to cover a budget going over, more shares will be issued from the SPV Company to cover the costs.

  • 27. How is a tenant chosen and vetted?

    CWU will use various standard means to advertise any vacant properties. All tenants will be subject to reference checks and vetted.

  • 28. What happens if a tenant damages the property?

    Each tenant will be vetted and required to pay a security deposit of up to one and a half months rent in advance. This will be used to offset any minor damages at the end of the tenancy when a tenant leaves. Whilst we’ll do our best to ensure it doesn’t happen, in the event of a tenant damaging the property in excess of their deposit we will look to recover the funds from Landlords insurance and if this is not possible, there is a Rainy Day pot for each property to pay for unforeseen expenses like this.

  • 29. What if there is no tenant or if the tenant defaults?

    We and our developers aim to keep the void period as low as possible. CWU will keep the equivalent of circa three months rent on account to cover any vacant periods or defaults by tenants. We also put aside into the Rainy Day account 10% of rental payments for maintenance and rental void periods. These funds are held by our payment services provider, MangoPay, via the Crowd with Us website.

  • 30. Who will manage the property?

    CWU or an appointed letting agent will manage the property for a 10% + VAT management fee (please refer to the Acquisition Costs Summary within the financials tab of each property). Keeping management in-house enables us to keep a better eye on the property. Our hope is to give good tenants the flexibility of transferring from one property to another, should a suitable property be available. This may be of benefit should they change jobs for example and need to be closer to their place of work. Happy tenants make for a happy crowd as they are the ones looking after our properties!

  • 31. I’m part of the crowd, I’ve just invested in one of the properties can I move into it?

    Why not! You’d still be required to satisfy the strict check-in procedures, so providing that all goes well, welcome to your new home!

  • 32. Who holds my money?

    Your money will sit in escrow with MangoPay, our payment services firm via your e-wallet on the Crowd with Us website. At no time will we hold your money!

    This goes for when you transfer money into a deal, where the funds go into MangoPay and then to the lawyer acting on the purchase or direct to the SPV Company if the property/project has already been bought.

    The same goes for your rental profit. It is paid into your e-wallet where you can withdraw your funds via our website at any time.

  • 33. Who are MangoPay?

    MangoPay are our payment services firm who provide and electronic wallet (“e-wallet”) service for receiving, holding and sending funds on behalf of you and the developers with regards to the fundraise of a project and for rental profits to be paid into for you. MangoPay’s e-money license allows them to take care of all the administration. Using this service we are able to accept debit and credit card transactions in addition to the standard bank transfer.

  • 34. Is my money safe with MangoPay?

    The Leetchi Group is the owning company of MangoPay. Leetchi is a fully licensed e-money issuer. The license was granted by the CSSF in Luxembourg and passported in the 28 countries of the EEA, including the UK.

  • 35. Is there a charge to withdraw funds or rental income?

    This is one of the many benefits of us using MangoPay. There are no set-up fees, no subscription fees, no chargeback fees and no fees on refunds.

    There is a small withdrawal fee of 45 pence for each withdrawel from you e-wallet.

  • 36. Do I have to withdraw my money?

    CWU will ensure all funds due to you from rent (rental dividends), sale of properties (SPV company dividends),  or from loan note interest are  paid into your e-wallet account. You may reinvest or withdraw all or part of your funds.

  • 37. What’s the difference between gross and net profit?

    Gross refers to the whole of something, whilst net refers to a part of the whole following some sort of deduction. Gross profit therefore would be the rental income, net rental profit is the rental income minus all associated fees, mortgage payments, management fees etc.

  • 38. How long is a typical investment?

    You may elect to sell your shares at any time.

    A development project may be sold after completion of the development, depending on the deal.

    Some developments will be sold when the properties reach a pre-determined sales trigger value. We hope this will be within 5 years of your investment.

    If the sales trigger value has not been reached within a pre-determined term (e.g. 5 years) then the crowd may be asked to vote on whether the property is sold or not.


  • 39. What happens if the property is not fully funded or the property cannot be bought?

    Whilst we take every precaution to ensure this doesnt happen, in the unlikely event that we could not complete on a property you would be given the choice of a full refund or the opportunity to invest in one of our other properties.

  • 40. How many years do I need to leave my money in for?

    Shares: We aim to sell the properties at or before the fifth anniversary of the completion date where we hope the sales trigger values have been reached.

    If the sales trigger value has not been reached within a pre-determined term (e.g. 5 years) then the crowd may be asked to vote on whether the property is sold or not.

    Loan Notes: The term of each loan note is set out in the specific deal promotion. Most loan note terms will be within 1 to 5 years.

  • 41. Can I exit early?

    Yes, however CWU is not set up to offer a secondary market, so whilst we may be able to promote your interest in selling your shares prior to the intended date for their redemption, we cannot broker such a sale. You are however free to sell or transfer your shares to a third party provided they satisfy the terms set out in the shareholder’s agreement.

  • 42. How secure is my investment?

    Like any investment the value of the property can go down as well as up. You are investing in bricks and mortar and since records began the property market has tended to pick up after a slump, however past performance should not be taken as an indicator of future performance. The process for registering your interest in a deal and how your investment os secured is as below.

    Shares:
    You buy shares in Special Purpose Vehicle (SPV) Company
    The SPV Company owns property with you & other shareholders
    Company shares registered at Companies House
    Company ownership registered at HM Land Registry

    Loan Notes:
    You are issued Loan Notes from Special Purpose Vehicle (SPV) Company that owns the property project
    SPV Company borrows your money for project
    Loan Notes secured against Company with debenture at Companies House
    Company notice registered against property at HM Land Registry

  • 43. What if another property encounters problems, will that affect me?

    The benefit of buying each property within a separate company is to separate the effects of one investment onanother. Thus if another property encounters difficulties, it will not affect you or your property project.

  • 44. What if CWU goes out of business?

    Each property is purchased through an individual SPV meaning no one properties performance can affect another’s and each property is totally separate from the assets and liabilities of CWU. In the unlikely event that CWU were to go out of business an alternative manager would be brought in to take over the management of the affected properties.

    Any funds held within your e-wallet account, not yet invested in a property, are held separate to any company funds in accordance with FCA rules and would be returned to you.

  • 45. What returns should I expect?

    Since records began, UK properties have on average doubled every 10 years. In London this statistic reduces further, to 7.28 years, on average. (Source: Nationwide HPI). Of course, past performance should not be taken as an indicator of future performance and markets can go down as well as up.

    Each property development promoted by property developers will usually be targeting a minimum 20% return on cost.

    Where properties are rented, the projected capital growth of each area may differ to other areas. If however we take the UK average of properties doubling every 10 years, then this reflects a 10% per annum price growth. We aim to match or better this.

    With regard to rental income, past projects that CWU have been involved with typically net 2-4% per annum return on investment. This will be on top of any capital growth. We aim to continue or better these results.


  • 46. Can I re-invest my rental income?

    CWU will ensure all funds due to you, be it; rental profit, loan note interest, return on your investment from the sale of a property or return of your capital; be paid into your e-wallet account. You will then have the option to reinvest or withdraw all or part of your funds.

  • 47. What fees or charges do CWU charge?

    Crowd with Us is paid a success fee when the funds are fully raised for each deal on the Crowd with Us website, and a success based management fee when a deal is sold (calculated on a deal by deal basis). Where Crowd with Us manages any rental properties, Crowd with Us ears a management fee. Details below.

    (1) Deal Fundraise Fee - 5% of the total deal acquisition costs when a deal is fully funded.

    (2) Rental Management Fee - 10% per annum (plus vat) of the gross rent which may be paid to Crowd with Us or to an external letting agent.


  • 48. What about unforeseen costs, will I be asked to invest more?

    All necessary funds will be raised from the outset. So the total investment cost will include the price of the property plus all buying costs, legal fees, searches, stamp duty etc. as well as any refurbishment costs. Every penny will be accounted for and visible from the dashboard once you are logged in. We don’t therefore anticipate any unforeseen costs. In the unlikely event that there are, we factor in a ‘Rainy Day funds’ from the outset which is the equivalent to three months’ running costs and will be held in the properties account. The balance of this will be reimbursed to the investors upon sale of the property if it has not been spent.

    If there are unforeseen costs that arise during a project and there are insufficient funds to cover such costs, then more shares or loan notes may be issued from the SPV Company to raise the further funds required for the property project. In the case of the issuing of additional shares or loan notes, the value of your existing shares would be diluted. If sufficient funds cannot be raised for whatever reason and an alternative is needed, the directors of the SPV Company may hold a board meeting to decide on the best way forward. For example, if sufficient funds were not able to be raised from investors, the directors may be able to invest funds of their own or they may elect for the property to be sold.

    We'll get in touch with you as soon as we can by email and let you know about changes and what will happen next.

  • 49. When and how are profits paid?

    Shares:

    Dividends are earned on the rental profit and capital growth from the sale of a property and will be directly proportionate to your shareholding. Dividends pertaining to rental profit will only be earned when a property is rented out and not during a refurbishment or vacant period.

    CWU will ensure all funds due to you, be they rental profit or return on your investment from the sale of a property, are paid into your eWallet account via the CWU website. You will then have the option to reinvest or withdraw all or part of this.
    Payment of dividends will be monthly/quarterly/annually and may vary from property to property. Please check the specific shareholder’s agreement for your particular property for more information.

    Loan Notes:

    You will receive fixed interest payments on your loan notes. These interest payments will be paid in intervals as set out in the loan note promotion.

    The intervals will be either: monthly, quarterly, half yearly, yearly or other intervals as set out in the promotion for each deal.

  • 50. What taxes are payable on the profits?

    As the properties are held within a limited company, the SPV Company, profits will be liable to corporation tax. This will be deducted before any profits are released to you. Corporation tax as determined by HMRC is currently 19% per annum. As for any personal taxes you may be required to pay, we’d advise you to seek independent tax advice.

  • 51. Will I receive EIS or SEIS tax relief?

    No, not in SPV Company deals for properties.

    However if you are interested in possible Enterprise Investment Scheme (EIS) initiatives, CWU may have an opportunity for you to invest into Crowd with Us as the top company.

    Please call or email us for more information.

  • 52. Are you FCA regulated?

    Crowd with Us Limited is an appointed representative of Share In Ltd. Share In Ltd are directly authorised and regulated by the Financial Conduct Authority.

  • 53. What is your investment and deal criteria?

    Prior to going live, all our deals and developers must satisfy our due diligence process.

    For each deal, we assess the following five areas:
    - Purchase Price (of the land or property, referred to as residual land value)
    - Deal costs (all costs exclusive of development costs, such as legal fees, stamp duty, finance costs, estate agent costs etc)
    - Development costs (the build & infrastructure costs plus any associated costs such as professional fees and any levy’s do the local authority if applicable)
    - Gross Development Value or GDV (the end value of the property(ies)
    - Profit (the profit margin which is the GDV less the Purchase Price, Deal costs & Development costs)

    With regard to our developers, we undertake an Anti Money Laundering (AML) and Know Your Client (KYC) check which verifies their identity. We also check the developer at companies house. Then we assess each deal on a case by case basis as above. In some cases, a developer may have lost money on a deal in the past where the economy took a dive. This will not necessarily preclude the developer from being able to raise finance, though we will take this into consideration as part of our entire due diligence process about whether we can work with the developer.


    Once this is complete the property is ready to be uploaded to the platform.

  • 54. How do CWU make money?

    Crowd with Us is paid a success fee when the funds are fully raised for each deal on the Crowd with Us website, and a success based management fee when a deal is sold (calculated on a deal by deal basis). Where Crowd with Us manages any rental properties, Crowd with Us ears a management fee. Details below.

    (1) Deal Fundraise Fee - 5% of the total deal acquisition costs when a deal is fully funded.

    (2) Rental Management Fee - 10% per annum (plus vat) of the gross rent which may be paid to Crowd with Us or to an external letting agent.

  • 55. Is there anything more we should know?

    The CWU team are passionate about property and making it accessible to everyone, thus sharing the knowledge and wealth. We are also passionate about sharing our knowledge and experience to benefit others and where we feel there is something worth sharing with you, we will share this with you on our website or other communication channels. Investing with CWU doesn’t have to be just an investment; it is also a journey that we hope you’ll join us on.

  • 56. Who handles my money?

    At no stage in the process is your money handled by Crowd with Us. Funds are processed by a SRA (Solicitor’s Regulation Authority) approved lawyer allocated to the property, as well as our payment services firm, MangoPay, the e-money issuer.

  • 57. What if I want to get my money back?

    CWU is not set up to offer a secondary market for shares or loan notes, so whilst we may be able to promote your interest in selling your shares prior to the intended date for their redemption, we cannot broker such a sale. You are however free to sell or transfer your shares or loan notes to a third party provided they satisfy the terms laid out in the original investment terms.

  • 58. Who can become an investor and how old do you have to be?

    Anyone can become an investor provided they satisfy the qualification requirements. There is also no upper age limit though there is a minimum age of 18 years old.

  • 59. Will I know how many other investors there are in my property?

    Yes, you’ll be able to see how many people have also invested with you though you will not be able to see who they are.

  • 60. What happens if the property has not reached the sales trigger value in the expected term, how long will you leave it before you sell?

    The intention is to sell a property at or around the fifth anniversary of the completion date or sooner provided the property has reached the pre-determined sales trigger value set by the developer on the deal promotion.
    Where a project has not reached the pre-determined sales trigger value in the given term, you and the other investors may be able to vote as to whether the property is sold or not.
    Please see the specific deal criteria on the deal promotion before investing.  

  • 61. Who decides when it is time to sell the property and when will the investors be told?

    Each property or project will be sold when the properties reach the pre-determined sales trigger values.
    You will be informed at each step of the buy & sell process.
    If  a developer thinks that the best course of action for a particular property is to sell earlier than anticipated, provided the majority of investors vote in agreement with this, CWU will organize the sale.
    Where a project has not reached the pre-determined sales trigger value in the given term, you and the other investors may be able to vote as to whether the property is sold or not.
    Please see the specific deal criteria on the deal promotion before investing. 

  • 62. Will I be able to speak to anyone if I have a question or problem?

    Whilst we always encourage everyone to go through the website as most of the answers to your questions can be found there, we are available to answer any queries you may have in person.
    Where possible and appropriate, we will put you in touch with the property developer if you do not already have contact with them.

  • 63. Can I buy all the shares of a property?

    Re shares in SPV Company deals:
    Potentially, yes.
    A factor which determines potentially how many shares an investor can buy in a property is the banks criteria for the mortgage finance. Many banks require to be notified if any shareholder of a company has more than 25% share holding. If you would like to buy more than 25% shareholding where bank finance is involved, you may need to be assessed by the bank together with the developer as part of the finance application with the bank.
    Re Loan Notes:
    Generally, you would be able to invest in all loan notes for any one given deal.
     

  • 64. Do I have to give notice to withdraw my money from my e-wallet via the Crowd with Us website?

    No. Provided you have funds within your e-wallet you can just login to your account and withdraw the funds.

  • 65. What kind of properties do you promote?

    We promote existing properties and land, any type of property with potential for development or where there is a distressed financial situation which can be rescued via crowd funding.
    Generally, we do not buy new builds. It is our view that new builds are sold for a premium. Our model is for you as an investor to benefit with the developer on the new build gain.

  • 66. How am I categorised as an Investor or Client for regulatory purposes?

    In order to invest via CWU you must be categorised as an investor for regulatory purposes. All prospective investors are required to successfully complete the “Appropriateness Test”. All UK individual investors are treated as retail clients.

    Different regulations apply in different regions and before being able to invest you will asked to confirm that you meet the eligibility requirements in your particular region.

  • 67. How do I make a complaint?

    We want to give you superb customer service but sometimes things might go wrong. We can usually resolve most issues straightaway, so please email us on info@crowdwithus.london or call us on +44 (0)207 190 9900 to tell us how we can help.


    What you'll need to tell us so that we can help you:

    • Your personal details,
    • What's gone wrong and
    • What you want us to do to put things right.


    We'll be in touch with you as soon as we can and let you know what will happen next. We'll try to resolve your complaint within 3 working days of receipt – if we’re unable to do this we will write to you acknowledging that we have received your complaint and the next steps that will be taken. For more complex issues it's likely that we will need longer to look into what's happened and we may ask you for further information to help us reach an outcome. We'll give you regular updates. And once we've dealt with your complaint, we'll go back and see what we can learn from your experience to improve our service.


    If you're unhappy with the outcome UK Residents can ask the Financial Ombudsman Service (FOS) to carry out an independent review of your complaint. In any event, you have the right to ask the FOS to review your complaint if we've been unable to resolve it within 8 weeks.


    The FOS can help UK residents with most complaints if you are:

    • A consumer
    • A business employing fewer than 10 persons that has an annual turnover that doesn't exceed €2 million
    • If you are unsure whether the FOS will consider your complaint, please contact them directly for advice. The service the FOS provides is free and impartial and contacting them at any stage of your complaint will not affect your legal rights. The contact details for the FOS are:


    The Financial Ombudsman Service
    South Quay Plaza
    183 Marsh Wall
    London
    E14 9SR
    Their phone numbers are +44 (0)300 123 9123 or +44 (0)800 023 4567.
    You can send an email to: complaint.info@financial-ombudsman.org.uk

  • 68. What is an SPV Company?

    Each property development is bought in a special purpose vehicle company (SPV Company). The SPV Company is owned by the property developer and you are issued shares when you make your investment into the SPV Company via the Crowd with Us website. The process for buying shares in a SPV Company via Crowd with Us is as follows:

    - You buy shares in Special Purpose Vehicle (SPV) Company
    - The SPV Company owns property with you & other shareholders
    - Company shares registered at Companies House
    - Company ownership registered at HM Land Registry

  • 69. Best execution policy

    “Best execution” rules, which exist to make certain types of costs and processes more transparent to investors, will not apply to your investments on our platform, and we need to explain why that is.

    When you apply to purchase a bond or share on our investment platform, your application will be processed on a first-come, first-served basis. Once an investment offer is closed, investments are issued directly by the company to the investor. These investments are not traded on a market of any kind.

    So what does this have to do with “best execution” rules?

    “Best execution” means achieving the best possible result for customers when carrying out their orders via an execution venue.
    An “execution venue” refers to a facility that brings multiple parties together for buying and selling. This could be a regulated market, a multi-lateral trading facility (MTF), organised trading facility (OTF) or other entities that perform this role.

    Because your transaction on our crowdfunding platform will not be carried out by an intermediary, third party or execution venue as defined above, nor do we provide a facility allowing you to resell your investment through an MTF, best execution rules do not apply.

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PLEASE NOTE

Capital at risk. The value of your investment can go down as well as up and historic performance is not a guide to future performance. Please read Risk Statement before investing.

Crowd with Us (FRN707804) is an appointed representative of Share In Ltd (FRN603332). Share In Ltd is authorised and regulated by the Financial Conduct Authority. Crowd with Us is the trading name of Crowd with Us Limited, a company registered in England No: 9243491. The registered office of the company is Clerkenwell Workshops 27/31 Clerkenwell Close, Farringdon, London, EC1R 0AT.
Neither Crowd with Us Limited, Share In Ltd nor any of their affiliates or group companies provides any advice or recommendations in relation to this website. If you have any doubt about the suitability of any investment marketed by Crowd with Us Limited, or you require financial advice, you should seek a personal recommendation from an appropriately qualified financial advisor that does give advice.
Investments are only available to certain specified persons who are sufficiently sophisticated to understand the risks. Investments in property and unlisted shares carry risk and you may not receive the anticipated returns and your capital may be at risk. Click here to read our Risk Statement.

Capital at risk. The value of your investment can go down as well as up and historic performance is not a guide to future performance.
Investments are not covered by the Financial Services Compensation Scheme (FSCS). Please read Risk Statement before investing.