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Graham Awards


‘Game Changer’ funding idea uses investor cash for first time buyers

A company says it will fund first time buyers’ bids to get on the property ladder by matching them with property investors who will share the ownership of the homes.

Crowdtolive describes itself as “an innovative property crowdfunding platform that connects a Champion (the person who wants to raise equity financing) to a pool of investors, enabling them to join together and purchase a property.”

The property is then effectively under a form of shared ownership deal, with the first time buyer able to increase their share of the property’s ownership using a stair casing approach, similar to that in established shared ownership schemes. 


However, instead of relying on the first time buyer securing a mortgage, Crowdtolive would attempt to match the individual with investors who would stump up the cash.

The first time buyer would repay the investors, as they would a mortgage, and would pay the rest of the cost of the property as rent - again, as with established shared ownership models.



The London-based scheme is Sharia-compliant and regulated by the Financial Conduct Authority.

So far the scheme has over 6,000 users and is now seeking to expand with a Qatar-based international office.

The company behind it is itself crowdfunding on the Seedrs website - you can see more details here.


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