"Avoid this platform!"

I have had a generally bad experience with Crowd Property. The returns are not anywhere near the advertised rates, they make it difficult to get an accurate overview of your account so you can do a fair comparison with other investments, withdrawing money is problematic and their investor relationship team seem pretty clueless every time I have spoken to them. I will not be using them moving forward.

"Could be recommended with a few improvements"

Generally my experience with the platform has been good and I have now been an investor for a year.

However, from a lender perspective and as others have stated, information on loans that are past their due date is currently lacking. An update message is not always provided until prompted even when a loan is months past due.

Worse there is no dedicated screen to keep track of overdue loans and their update history.

Whether it is realistic or not, in the current market I would expect weekly updates on progress of overdue projects in order to feel comfortable trickling additional money into the platform.

Similarly, for loans that have partially repaid, this cannot currently be seen as a column showing the amount in the loan portfolio.

Looking at the overdue loans, I also have a concern as to how Autoinvest operates, in that you may find yourself invested in multiple phases of the same project, which if they all then become overdue together, exacerbates concern about the development as a whole.

While it's possible to cancel a pledge before the loan starts, one often chooses Autoinvest on a platform to spread risk most effectively and monitor at arms length. As such, I would find it useful to add a setting to autoinvest to prevent being invested automatically into multiple phases of the same project.

"High over due loans and no reporting"

Company needs to improve reporting on overdue loans.
Simple table by loan, with link to latest information (similar to Seedrs and Blend).
Portfolio now over 30% overdue and have limited detail on status; which raises red flags.

"Difficult to withdraw cash"

I have recently started to withdraw money from my ISISA as funds became available from loans finishing and me turning off autoinvest. I had relatively low returns (~3%) over the year I was investing as not all the money could be deployed quickly enough. I have also found that dispite money being available on my account only around half of it is available to withdraw. Not great as I expected that when loans were finished I could get my money out. This isn't the case and getting your money back is a slow process. Be aware and proceed with caution, especially with an economic downturn approaching

"Too high risk/return ratio"

Too high risk/return ratio and too low interest/risk ratio. The auto-invest system is not flexible and there are several borrowers with rate C that get what they want with a rate not higher than 8%. For this reason there is the mathematical certainty to lose money. Stay away from them!

"Great and fast service."

Great and fast service.
Mared was very efficient in cancelling a withdrawal.
My interactions with this provider have always been good.

"First Charge"

Word of warning to every CrowdProperty stakeholder.

Investors: CrowdProperty has already been struggling to complete projects funding for weeks. Whereas before they would set a limit to autoinvest now they send E-Mails asking people to change settings so more money is available within the autoinvest feature. It is an attempt from them to ensure funds are available for up and coming projects and that the project funding will complete within minutes. They are preparing the environment in an ever tougher economic and financial crisis.

Also, when was the last time they used First Charge? Their top selling point and the reason you decided to invest.

Builders/Developers/Borrowers: You have probably been told that the First Charge is a selling point for Investors and that's nothing to worry about. CrowdProperty has probably told you that despite it is an unavoidable requisite they will never make use of the nuclear option. Well, guess what, you signed, you are liable.

CrowdProperty: You want to keep Investors happy. You want to fulfill projects. You want to keep the platform alive beyond 2023

Use First Charge and recover Investor's funds.

"Absolutely terrible company if your…"

Absolutely terrible company if your after bridging lending.

Communication is terrible. Had 3 months to organise a bridge and they kept messing about with figures changing a formal offer 3 days before I needed to complete, this after sitting on the file for 3 weeks doing nothing after the valuation costing me money. Stay away at all cost. Nasty lender to deal with.

Update: after changing lender I needed a re-write of the valuation and they tried to ransom me to withhold the authorisation unless I took down this post. Once again avoid at all cost.

"Consistently excellent"

I've been investing with CrowdProperty for 3+ years. Very good experience and highly recommended. The average rate has progressively decreased from 8% to below 7%. Still a good platform and good support.

"The best platform of its type - 6.1% ARR over 5 years"

I've been investing with Crowd Property for close to five years. The overall experience is excellent - the platform runs smoothly, comms from the company are outstanding. It will take some time for your funds to be fully employed as a new investor. But once they are, they remain fully employed most of the time. Returns from completed projects are promptly invested in new projects. I've achived a 6.1% ARR since I started investing - excellent given the level of security you get (zero capital losses to date)