How PropFunder Works
A transparent, secure process connecting property developers with investors through mortgage-backed loans.
For Investors
Start earning returns in three simple steps.
Create Your Account
Sign up in minutes. Complete a quick verification process to start investing. No minimum balance required to open an account.
Choose Your Investment Strategy
Browse open property loans and invest manually, or set up Auto Invest to automatically diversify across opportunities matching your criteria. Minimum investment from €50.
Earn Monthly Returns
Receive monthly interest payments directly to your account. Track your portfolio performance in real-time through your dashboard. Typical returns of 8-12% per annum.
For Borrowers & Developers
Fast, flexible financing for your property projects.
Submit Your Project
Tell us about your property project, financing needs, and timeline. We review applications within 48 hours and provide initial feedback.
Due Diligence & Valuation
Our team conducts thorough property valuation, legal review, and risk assessment. We work with independent valuers to ensure accurate LTV ratios.
Receive Funding
Once approved and funded by our investor community, funds are disbursed typically within 2-4 weeks. Loan terms from 6 to 36 months.
Loan Types We Offer
Flexible financing solutions for different property needs.
Development Loans
Finance new construction or major renovation projects. Staged drawdowns available based on construction milestones. Terms: 12-36 months.
Bridge Loans
Short-term financing for property purchases, refinancing, or capital release. Fast approval and funding. Terms: 6-18 months.
Bullet Loans
Interest-only payments with principal repaid at maturity. Ideal for projects with a clear exit strategy. Terms: 6-24 months.
Risk Management
How we protect your investments.
Property-Backed Security
Every loan is secured with a first or second-rank mortgage on real estate, providing tangible collateral for your investment.
Conservative LTV Ratios
We maintain strict loan-to-value limits, typically below 75%, ensuring a safety buffer between the loan amount and property value.
Independent Valuations
All properties are valued by certified independent appraisers before any loan is listed on the platform.
Default Recovery
In case of borrower default, PropFunder manages the full recovery process including collateral realisation on behalf of investors.