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CrowdProperty: Peer to Business Lending reviews

Name: Peer to Business Lending
Rating: 3.79 (24 reviews)

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2.25

Based on 24 reviews, last reviewed 7th Feb 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

67%

4 star

25%

Latest highest rating:

5

4 years and still great returns I have been lending money on Crowd Property now for 4 years and have had great returns on my investment. I trust the people who run it 100%. There h... Read more Reviewed on: 4th March 2023

Latest lowest rating:

1

Do not invest your money here ! I have been investing with CrowdProperty for about 5 years. Over that period my annual return has been about 3%. The risk management assessment for lo... Read more Reviewed on: 7th February 2026

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CrowdProperty peer lending reviews on Smart Money People help people like you thinking about what life is like as a CrowdProperty customer to find this out. What is customer service like? Is the online experience quick and simple? You can find this out by reading our CrowdProperty peer lending reviews. If you are a CrowdProperty customer, you can also write your review today!

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CrowdProperty Peer to Business Lending reviews (24)

Do not invest your money here !

I have been investing with CrowdProperty for about 5 years. Over that period my annual return has been about 3%. The risk management assessment for loans seems very bad. Many loans are well overdue their estimated end date or have resulted in capital losses. I wish I had never invested on CrowdProperty. Reviewed on: 7th February 2026

Don't invest with Crowdproperty: gargantuan losses!

I've been investing with Crowdproperty in my ISA for five years and the experience has been tremendously disappointing. I currently have money tied up in 124 active projects, and the situation is frankly appalling: only 16 of those 124 projects are actually on schedule. That means 108 projects are in default, many by years. Some of the loans that were supposed to mature back in 2021 are still outstanding! We're now in 2026. That's five years of my capital being locked away with no access to it whatsoever. The returns I was promised have simply not materialised, and my money remains trapped in project after project that drags on indefinitely. What makes this even worse is that Crowdproperty appears to deliberately extend these loans, often for many years beyond the original term. This allows them and their recovery partners to rack up substantial fees for supposedly 'recovering' the loans. Meanwhile, investors like myself see nothing but endless delays whilst others profit from the extensions. Yes, Crowdproperty does seem to be working on completing some of these overdue projects eventually, but the track record speaks for itself: 108 out of 124 projects overdue is utterly unacceptable. Don't be seduced by the advertised returns of 8% or more. In reality, you will not see those returns, and your money will be locked away for an indeterminate period, possibly years longer than you were told. You will also painfully lose a very large ratio of your principal, because, of the few loans that do eventually pay back, it is not uncommon for you to only receive 25%-66% of what you invested. No interest of course. I'm now withdrawing whatever funds I can access as soon as they become available, but given how few projects are actually completing, that's proving to be a painfully slow process. Based on my experience, I would strongly urge anyone considering Crowdproperty to look elsewhere. The gap between what they promise and what they deliver is enormous! Reviewed on: 6th February 2026

CrowdProperty inept at getting money from borrowers!

My husband and I invested our hard-earned pension savings into Crowdproperty's investments, only to find ourselves left financially devastated. The losses have placed an unbearable strain on our lives, to the point where our marriage is on the brink of collapse. Despite my husband having retired, he has been forced to return to work due to the severe financial hardship caused by our failed investments in Crowdproperty. The promises we were given -assurances that our funds were secure and backed by first legal charges on properties - have proven to be nothing more than empty words. In reality, Crowdproperty's staff and directors spent years enriching themselves while neglecting the warnings that were clearly laid out in front of them. In 2025, the directors have abandoned the company faster than you can say "Titanic," leaving their jobs because they are fully aware that their incredibly negligent actions had led to things going from bad to worse. It seems Crowdproperty has effectively turned its back on individual investors like my husband and me and other retail investors we have come across, opting instead to cozy up to institutional investors. To those institutions considering an investment, I say beware If they were willing to gamble away the pensions of ordinary people, lending their money out willy-nilly to terrible borrowers who MOSTLY default and demonstrating little interest or ability in getting it back, it’s only a matter of time before they do the same with institutional funds! Crowdproperty has cost us an arm and a leg, and it's clear that their relationship with reckless borrowers will only continue to harm those who place their trust in them! Customer service continues to be pants too. Investors like me are treated as a nuisance by Crowdproperty, whose only interest is in serving the needs of their borrowers. They are not even particularly interested in getting funds back from those borrowers. Reviewed on: 12th September 2025

CrowdProperty Lost My Children's Inheritance!

I am a dedicated wife and a mother of two teenage sons, working previously in the finance industry. I decided to invest my pension into CrowdProperty's peer-to-peer lending opportunities because they advertised the platform as a safe and secure home for investments, with asset-backed investments. I spread our funds across 41 loans to diversify and minimise risks. What a grave mistake my decision to invest via Crowdproperty turned out to be. The overwhelming majority of these loans have defaulted, most overdue for more than 24 months! It has left us in financial ruin. Capital losses are gigantic, losing up to 85% of one's capital on investments. CrowdProperty's 'Recoveries Team' is a complete farce, hands down the most incompetent in the UK's P2P landscape, with no real action or accountability. They twiddle their thumbs and sit on their hands, incapable to getting funds returned from borrowers. The updates about loans in default from Crowdproperty are vague and almost non-existent, with investors fobbed off with a few words once every several months. The previous CEO, Mike Bristow, was a master blagger and misled everyone. He ran Crowdproperty into the ground and led to it having THE WORST RATINGS AND REVIEWS OF ANY P-2-P LENDING PLATFORM IN THE UK, hence got booted out of his job by his Crowdproperty colleagues, but the new CEO is even worse if that was possible. It's evident Crowdproperty have all but deserted their retail investors like me, funneling their efforts toward getting funds from institutional investors instead. To any potential institutional lender reading this: do not give your money to CrowdProperty. They've betrayed hundreds of retail investors, and you'll face the same fate, total loss of your investments! The emotional toll is indescribable. My life savings have vanished, and along with them, the inheritance I intended for my children. I am consumed by guilt and despair, feeling utterly terrible for failing to protect what mattered most. This company has destroyed lives; please, learn from me and my family's heartbreak and stay away. Reviewed on: 17th August 2025

Huge loss of capital for self and wife

My wife and I are not professional investors. We don’t have detailed knowledge and experience of investment in the property market. We started investing when Crowd Property had recently started its platform and promoted itself and the investment projects on line – each one presented in detail. At that time, about 8-9 years ago, great emphasis was given by Crowd Property to its protection of investors’ investments by the first charge on projects taken by Crowd Property on behalf of investors. This important safeguard was, in those days, given more prominence than the statement about risk of the investment. As the number of projects increased, the relative prominence of protection and risk reversed. For the past 3 years or so, the risk of investment has been given the major prominence in a box on the front page. The first charge protection which Crowd Property used to promote is not given the prominence it used to have – may be because there have been, as others have noted, more and more investment failures for which first charge protection has not protected investors. Some projects are still outstanding 4 years after they should have completed. Whilst our early investments delivered good returns more or less on time, we have lost a considerable sum of money in the last 4-5 years – far more than we achieved in interest. Capital has been lost and estimated interest has evaporated. We stopped investing when we saw the much greater prominence given by Crowd Property to the risk warning. Of course, we may have just been unlucky. Or, we relied too much on the first charge protection which has proved to be ineffective. We have just been told by Crowd Property, that unless you are a high net worth individual or a sophisticated investor, then Crowd Property is not for you. This latest “warning” to ordinary people, ie that lending through Crowd Property is not for them, hasn’t come soon enough. How many more ordinary people have lost money via investment in Crowd Property projects? It would appear from reviews on Smart Money People that there are more failed individual investments than might have been expected. Were we, and others, mis-sold those investment opportunities during the period when the risk of investment was claimed to be “balanced” by reference to first charge protection? If our experience is shared with others, then maybe it is something which should be explored further. Reviewed on: 9th August 2025

Time and care are needed to avoid losses

With time and care it is possible to achieve close to the advertised returns on CrowdProperty but the platform requires more care on behalf of the investor, to ensure proper diversification and to prevent over exposure to any single project, than other comparable platforms. The quality of loans is not high and overexposure to a bad loan can affect your overall return significantly. Also, the lack of a secondary market necessitates long-term commitment. Reviewed on: 28th January 2025

Concerning lending experiences with Crowdproperty UK

I have had a deeply concerning lending experience with CrowdProperty. This property investment platform currently shows an alarming 83% default rate across my loan portfolio, with many of these defaults being over TWO YEARS OVERDUE! The company's approach to managing defaults is notably negligent. Their communication with investors is highly inadequate, with updates being infrequent and lacking substance compared to other platforms. The rare updates provided, typically quarterly, offer very little meaningful information about recovery efforts. CrowdProperty's operational focus seems to heavily favour borrowers over lenders. This is evident in the company's management presentations and social media presence, where there is frequent emphasis on satisfying borrowers. Lenders are hardly ever even mentioned. This bias is reflected in CrowdProperty's lenient approach to pursuing defaulting borrowers, compromising lenders' interests. They keep extending loans, often for years, with little regard for lenders' money not being returned. The platform's statistics page shows concerning trends. Lending amounts to each individual borrower, loan-to-value ratios, and default rates have consistently increased year on year. Very worrying. The statistics page reveals that an alarming 45 projects are now in default, and this number continues to rise. In December 2024, investors suffered multi-million-pound losses on two loans, which returned only about a quarter of the capital invested! Currently, a significant portion of my life savings remains inaccessible in defaulted loans on CrowdProperty. The company's indifference to this situation is deeply troubling. Based on my experience and the numerous similar complaints from lenders on Trustpilot and other platforms, I strongly advise potential investors to exercise extreme caution. CrowdProperty's commitment to recovering funds from borrowers and repaying lenders in a timely manner seems highly questionable at best! Reviewed on: 21st January 2025

Loss of capital invested

Overall, poor experience with this platform. The returns offered to investors (currently 8-9%) are not good enough given the high LTV of loans and the significant loss of invested capital on defaulted loans. I would advise others not to invest on this platform. Reviewed on: 31st December 2024

4 years and still great returns

I have been lending money on Crowd Property now for 4 years and have had great returns on my investment. I trust the people who run it 100%. There have been issues along the way with investments but the people at CrowdProperty stepped in to take over these projects to make sure that investors got the returns back they were promised. Reviewed on: 4th March 2023

Great company

Very efficient process and monitoring system which instils confidence in the company. Reviewed on: 13th February 2023

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