By pooling resources we can achieve more - we can enable more people to benefit from investing in property.
We can also improve the availability of high quality homes to either buy or rent and at reasonable rates. And we can help savers and investors to generate a better return by investing directly in the delivery of those homes.
We operate an investment model whereby the property is held within a Special Purpose Vehicle (SPV) - a Limited Company - and is funded through a combination of equity and debt, where possible, all provided by the crowd.
Property Developments are typically funded through a combination of Senior Debt (1st Charge); Mezzanine or Junior Debt (2nd Charge); and funds provided by the developer which is invested as equity.
Debt investments; You loan money to the SPV, a charge on the assets is held on your behalf. The fixed returns offered on debt will vary depending on the loan-to-value (LTV) and can range between 6% p.a. for minimal leverage with a 1st charge, and 18% p.a. where the LTV might be up to 75% secured via a second charge.
Equity investments; You own Shares in the SPV (Limited Company) carrying out the development, your projected return is represented by a share of net profits after tax, paid at the end of the project after any debt has been repaid.
Either residential or commercial rental properties can generate a regular income as well as delivering capital growth as the value of the property may increase over time.
These investments tend to be as equity investments and we look to source debt from commercial mortgage providers at competitive rates.
As a shareholder in the SPV owning the property you share in the profits through quarterly dividend distributions and then at the end of the term, when the property is either sold or refinanced, you receive a share of any capital growth (after tax).
These investments tend to be longer term - between 3 and 7 years - and suit investors looking for potential income combined with the opportunity to benefit from any gains in the property's value during this time.
Richard co-founded CrowdLords in 2015 with the aim of making property investment more accessible and more productive, for more people, by connecting LandLords and Developers looking for funds, with Investors seeking a healthy return.
After a short spell as an Army Officer he enjoyed a successful career running Base One, a highly respected B2B agency. During this time he supported a whole host of brands including Rackspace, Facebook, PayPal, Elsevier, Vodafone and many others, both large and small.
His focus now is the evolution of the CrowdLords platform, overtime, to provide a complete suite of products that satisfy the risk appetites of savvy investors everywhere.
Shahzad views CrowdLords as an easier way for millennials to invest in property using a portion of their savings without making long-term commitments.
With a background in finance and computer science, and MBA in international management, Shahzad has had experience working in IT for an oil company, an online marketplace, as well as marketing/development management for an NGO and international concierge. Shahzad also has experience in managing various property types in the Middle East and South Africa.
Shahzad works closely with CrowdLords investors, ensuring that they have a positive investment journey from start to finish.
Gemma joined CrowdLords in 2017 out of her interest in alternative property investment, and how it all comes together.
Working as a freelancer, Gemma works with a few high-profile organisations in different business areas, and is currently a landlord herself, making CrowdLords a perfect match for her.
Gemma has in-depth experience on running a company, and is responsible for all of our administration tasks, which includes setting up and managing our SPV’s, issuing investor agreements and certificates, and basic bookkeeping for CrowdLords.
Sarah joined Crowdlords in 2017 with a passion for building relationships and understanding investors goals.
Sarah is a big fan of Crowdfunding and thrives on opportunities for Investors to diversify their portfolio.
Having enjoyed a 14 year career within Financial services working for leading brands in Mortgages and Pensions, Sarah has a strong knowledge of the property markets and financial services regulatory requirements.
Sarah helps new Investors start their journey with Crowdlords providing support, help and guidance with our Platform and investments.
Raj Kumar is the lead investor and Executive Director of CrowdLords.
A respected UK entrepreneur, and property development financier, Raj has invested in the alternative finance sector, and peer-to-peer lending for commercial and residential building projects, since 2016.
In 2018, he acquired a significant stake in CrowdLords, and is actively involved in the development of the business. His primary areas of responsibility include operational stability, investor relations and strategic market expansion.
Sam started working in the digital industry at a young age, programming freelance and exploring new technologies as they emerged.
Throughout his time at University he consulted for a number of companies and worked part time for an international construction group. After gaining a Business Management degree, Sam was soon snapped up by a leading digital agency in London.
Sam was instrumental in getting the CrowdLords platform started in 2014, laying the groundworks for one of