Property Crowd - 11%+ yield on crowdfunded real estate deals

For details of the latest deal on Property Crowd's exclusive platform, a bond offering a 12% yield on a luxury residential development in Liverpool, refer to our website
www.propertycrowd.com/the-investment-opportunity/

It pays the return at term (not interest as zero coupon bond), so no monthly interest to be compounded so I dont think AER is appropriate in this case.

Hi @leopardcat, as ilmoro has correctly identified, our debt deals are structured as zero coupon bonds, so you don't get regular interest payments. You are essentially buying the bond at £X.xx and upon maturity, it is redeemed at a higher price, resulting in a capital gain.

However, I'm not qualified to give tax advice or make recommendations in that regard - you should seek a professional opinion to determine what is appropriate to your personal circumstances.

Thanks ilmoro, great to hear that you've heard of Property Crowd - sophisticated investors such as yourself are exactly our target audience.

I would describe ourselves as a P2B platform - linking a professional investor base (the P) to a network of institutional borrowers (the B) - but with a focus on the investment grade, real estate-backed space, where the presence of high quality property as collateral means the risk-reward profile is superior to other forms of P2P/Crowdfunding investment (in my admittedly non-independent opinion).

Regarding the lending structure, I would say that there is a necessarily a certain level of "complication" to be expected if you want the same robust frameworks - e.g. SPVs, custodians, segregated accounts - that investors in other securities enjoy. Unfortunately, for too many challengers in the P2P space, "simplicity" is synonymous with regulatory arbitrage, which may mean inadequate consideration of and/or protection against the risks involved.

I've tried to be persuaded but you make KYC/identity so much harder than anyone else does I have given up (as I have emailed you to say).  I live outside UK in EU but have UK passport and bank account

Hi shimself,

I'm sorry to hear that you're having trouble with our KYC/onboarding process. It's true that we do have more stringent requirements when it comes to these identity checks relative to other platforms, but this is part of our commitment to providing an institutional grade infrastructure for real estate crowdfunding, with strict standards governing every part of the process from onboarding to investment.

In your case, it should certainly be a less onerous process seeing as you have a UK passport and a UK bank account, so I hope you will give us a chance to make it right. Would you kindly give one of our team a call at +44 (0)20-7183-6909 (and they will assist with your onboarding), or alternatively, if leave me a private message on this forum with your contact details, I will have someone call you back to sort all this out.


Regards
Charles

Respectfully, sir, there is no need to cast aspersions. We have chosen to maintain high standards with regards to regulatory compliance, and do not compromise on them just because competitors have taken a different approach. In your case, we simply need certified documents for KYC as you are currently outside the UK and thus haven't been able to clear the online ID checks automatically.

The deals and their details contain information which might be considered sensitive, and thus our policy is to release them only to serious investors, the identities of whom we have properly verified - a reasonable stance, would you not agree?

Once again, I apologise for the inconvenience, but I am unable to just wave you through re: KYC. I hope you are able to provide us with the relevant documents, and we will gladly give you access. We would love to have you as an investor.

P.S. I don't know to whom you spoke, but I assure you, J'existe - see my articles on Property Crowd www.propertycrowd.com/blog/