Real-estate crowdfunding platforms
Real-estate crowdfunding pools retail capital into property projects — refurbishments, bridge financing, new developments, sometimes income-producing assets. The structure is almost always a collateralised loan: the platform originates the loan, the property serves as security, and you earn an interest coupon.
Yields advertised in this segment usually sit in the 8–12% range, before defaults and platform fees. The real number to watch is the risk-adjusted return: what was the platform’s actual loss rate after recoveries closed, not what the marketing page promises.
Key concepts
Loan-to-value (LTV) — the loan as a percentage of the appraised property value. Below 70% is conservative. First-rank mortgage — your security is the most senior claim on the property; pay attention if it is not. Skin in the game — does the platform co-invest in every deal?
The list below is the complete set of real-estate crowdfunding platforms we cover, ranked by overall score.
Composite of verified investor reviews, editorial review and regulatory standing.
- Tangible underlying asset — bricks, not promises.
- Loans usually secured by a mortgage on the property.
- Short to medium duration: 6–24 months on most deals.
- Coupons paid periodically (monthly, quarterly or at maturity).
- Sensitive to local property cycles and interest-rate moves.
- Delays of 3–9 months on completion are common.
- Recovery via collateral is slow even when the loan is secured.
Picking a platform in «Real-estate crowdfunding platforms».
Look at LTV ratios (≤ 70 % is conservative), collateral rank (first vs. second mortgage), sponsor track record, and the platform’s historical default and recovery numbers. Spread tickets across 15–25 deals, multiple developers and ideally more than one country.
Frequently asked.
Is real-estate crowdfunding less risky than other crowdlending?
On average yes, because deals are usually collateralised. But the risk is concentrated in property prices and developer execution — a downturn can hurt many projects at once.
What return is realistic on senior real-estate debt?
8–11 % gross is the typical range across EU platforms; 12 %+ usually involves mezzanine or second-rank exposure.