Housemartin

What Housemartin does

Housemartin Property Limited is a UK-based, FCA-authorized peer-to-peer property lending platform that enables retail and institutional investors to lend against property-holding special purpose vehicles (SPVs) which purchase supported living accommodation leased to registered charities and housing associations. Operating through its proprietary Exchange, the company has originated over £34 million in loans across 140 properties since 2019, with a current live loan book of £29.7 million and more than 2,000 registered investors. The platform specializes exclusively in supported living properties — housing for vulnerable people including those with learning disabilities, mental health conditions, autism, and care leavers — providing a dual value proposition of monthly rental income (3.69%–7.91% AER) and measurable social impact.

The underlying technology stack centers on three proprietary systems: a five-stage risk assessment framework incorporating RICS surveyor valuations and quarterly Hometrack monitoring; a secondary marketplace (The Exchange) where investors set prices for fractional loan parts and trades settle when matching orders exist; and an investor voting system governing major loan and property decisions. Distribution runs exclusively through self-serve online channels, an Innovative Finance ISA wrapper (£20,000 annual allowance), SSAS pension integration, and a dedicated institutional investor desk. Marketing combines SEO, content, email, affiliate partnerships, and third-party review coverage from 4thWay and Moneynet.

Housemartin earns revenue through three streams: an arrangement fee embedded in each loan at origination and recovered on Exchange resale; a monthly monitoring fee calculated as a percentage of gross rent received per property; and a 2% property disposal fee applied when investors vote to sell a property on the open market. All fees are transparently disclosed in loan conditions and yields shown to investors are net of fees and known costs. The company is privately held, FCA-regulated (firm reference 668931), has 11–50 employees, and has raised approximately $2 million across three funding rounds from 2019 through January 2025.

Name

Housemartin

Legal name

Housemartin Property Limited

Website

https://housemartin.co

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Housemartin is a UK FCA-authorized peer-to-peer property lending platform that funds supported living accommodation leased to charities and housing associations, serving retail and institutional investors with monthly income and yields up to 7.83% AER.

Ownership category

akta.pro rank

Product category

P2P Property Lending Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

Keywords

• Property crowdfunding
• P2P property lending
• Peer-to-peer lending
• Property investment platform
• Supported living investments

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Arrangement Fee: Fee charged when property is first purchased, included in the loan amount. Recovered from buyers when loan parts are sold on the Exchange, effectively passed to new investors.
2. Monitoring Fee: Percentage of gross rent received for each property, charged monthly. Clearly stated in loan conditions for each property.
3. Property Disposal Fee: 2% of gross sales proceeds charged if investors vote to sell a property on the open market. Only applies to physical property sales, not Exchange transactions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Housemartin operates a peer-to-peer property lending platform (The Exchange) that allows investors to purchase fractional loan parts in property-holding special purpose vehicles (SPVs). These SPVs acquire UK supported living properties leased to charities and housing associations on inflation-linked terms. Investors receive monthly rental income (yields up to 7.83% AER), can trade positions on a commission-free secondary market, and may invest via tax wrappers including an Innovative Finance ISA and SSAS pension integration. The platform is FCA-authorised and focuses on a social impact mandate alongside financial returns.

Product overview

Housemartin operates as a peer-to-peer property investment platform offering a portfolio of products centered on The Exchange. The core offering enables investors to lend to property-holding special purpose vehicles (SPVs) that purchase UK supported living properties. The product suite includes the main Exchange platform for trading loan parts, the Innovative Finance ISA for tax-free investments (annual allowance £20,000), and SSAS Pension Investment options for tax-efficient pension-based investing. Additional tools include a Stamp Duty Calculator, a Secondary Market for liquidity, and a proprietary Risk Framework for investment assessment. Properties are primarily focused on supported living accommodation leased to charities and housing associations with inflation-linked rents.

Differentiator

Problem solved

Functional benefit

Brands

• The Exchange: The secondary marketplace platform where investors buy and sell loan parts (investment positions) on the Housemartin property lending platform.

Products and services

• The Exchange Proprietary peer-to-peer property lending platform where investors can browse, buy, and sell loan parts in UK supported living properties. Provides real-time property performance data, risk ratings, and pricing information, with a secondary market for trading positions before maturity. Designed for UK retail investors seeking monthly rental income and for institutional investors seeking exposure to social impact property assets.
• Innovative Finance ISA (IFISA) Tax-free investment wrapper allowing UK investors to invest up to £20,000 annually in property-backed loans via The Exchange, with no income tax or capital gains tax on returns. Existing ISAs from other providers can be transferred in. Designed for UK residents seeking tax-efficient exposure to P2P property lending.
• SSAS Pension Investment Self-Administered Pension Scheme (SSAS) investment option enabling directors and business owners to invest their pension funds into supported living property projects with tax-efficient returns held within the pension wrapper. Designed for SSAS trustees and business owners seeking alternative, social impact property exposure for their pension portfolios.
• Stamp Duty (SDLT) Calculator Free online calculator for estimating UK Stamp Duty Land Tax based on property value, buyer circumstances, and applicable rates including first-time buyer relief and additional property surcharges. Available as a standalone public utility for prospective property buyers and investors.

Quantifiable outcome

• Yields up to 7.83% AER paid monthly
• +5 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

18 partnerships are on record, tiered core and minor.

• NacrocoreStrategic or Co-development PartnerSocial justice charity founded in 1966 providing supported housing for disadvantaged young people and adults. Provides accommodation for people who have been homeless, care leavers, ex-offenders, victims of domestic abuse, and those with mental illness or addiction. Regulated of Social Housing registered provider.
• United ResponsecoreStrategic or Co-development PartnerCharity founded in 1973 supporting around 2,000 people with disabilities across 400+ locations in England and Wales. Supports adults and young people with learning disabilities, physical disabilities, autism, and mental health support needs. Registered charity.
• Golden Lane HousingcoreStrategic or Co-development PartnerCharitable Community Benefit Society established by Mencap in 1998. One of the country's leading supported housing landlords for people with disabilities. Provides high quality rented housing tailored to specific needs across England, Wales and Northern Ireland.
• Halo Housing AssociationcoreStrategic or Co-development PartnerHousing association formed in 2011 providing supported living for individuals with learning disabilities, mental illness, physical disabilities and autism. Works in around 40 local authority areas in the North West. Regulator of Social Housing registered provider.
• Mears GroupcoreStrategic or Co-development PartnerOne of the UK's leading housing and care providers with over 6,500 employees. Works with public and private sector clients delivering housing management services, homelessness solutions, social housing, and specialist housing for people with care needs. Public limited company.
• EHSL Supported HousingcoreStrategic or Co-development PartnerNational non-profit provider of supported housing for people with learning disability, mental health, autism, and other health and social care needs. Founded in 2012, working in partnership with local authorities, care providers, and housing associations.
• Turning PointcoreStrategic or Co-development PartnerCharity providing high-quality care and support for individuals with complex needs including mental health, substance misuse, and learning disabilities. Community-based services promoting social inclusion and quality of life. Regulated by CQC.
• Parasol Homes LimitedcoreStrategic or Co-development PartnerNot-for-profit housing provider for adults with learning disabilities, physical disabilities and mental health problems. Committed to high quality support and tenancies for life. Community Benefit Society and Regulator of Social Housing registered provider.
• Coventry and Warwickshire MindcoreStrategic or Co-development PartnerMental health charity founded in 1962 offering counselling, therapy, peer support, and community programmes. Works to reduce stigma and increase awareness through education and advocacy in Coventry and Warwickshire region. Registered charity.
• Lets For LifecoreStrategic or Co-development PartnerUK-based charity dedicated to enhancing lives of people with disabilities through accessible housing solutions and personalised support. Works with local communities and specialised agencies. Regulator of Social Housing registered provider.
• Framework Housing AssociationcoreStrategic or Co-development PartnerCharity dedicated to supporting individuals facing homelessness and housing challenges. Provides emergency accommodation, supported housing, and outreach services for those with mental health issues, substance abuse problems, and ex-offenders. Works across East Midlands. Registered charity and Regulator of Social Housing.
• Pentagon Housing GroupcoreStrategic or Co-development PartnerHelps individuals find permanent homes through property development and refurbishment. Provides support for exempt accommodation and supported living. Works with investors, developers, local authorities, housing associations, and care providers. Private limited company.
• Harmony Children's ServicescoreStrategic or Co-development PartnerOfsted registered provider of high quality residential children's units for Looked After Children with emotional social behavioral difficulties and learning difficulties, including Autistic Spectrum Disorder. Private limited company.
• Independent Living ProjectcoreStrategic or Co-development PartnerProvides supported accommodation for young people preparing to leave care aged 16 to 18. Offers self-contained, partially furnished accommodation units with 24/7 support. Works in partnership with local authorities. Private limited company.
• Grow HostelcoreStrategic or Co-development PartnerProvides short to medium term hostel accommodation for men aged 25-60 in Watford with complex needs including homelessness and drug/alcohol issues. Offers 24-hour support, in-house therapists, and resettlement assistance. Registered charity.
• Cumbria Quality CarecoreStrategic or Co-development PartnerFamily run care company based in Penrith, Cumbria providing highest standards of personal care and support to children and adults. Specialises in complex needs including learning disabilities, mental health conditions, and sensory impairments. Regulated by Care Quality Commission. Private limited company.
• ASD SupportminorStrategic or Co-development PartnerDevelopment partner identifying suitable properties for individuals with autism requiring supported living accommodation. Works with families and health commissioners to source appropriate homes.
• Storm PropertyminorStrategic or Co-development PartnerProperty development partner that purchases and refurbishes properties for supported living use. Partners with ASD Support and EHSL to deliver turnkey solutions for vulnerable individuals.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CrowdProperty: UK FCA-authorised P2P property lending platform focused on residential development and investment bridging. Highly comparable as a direct competitor serving UK retail investors via property-backed IFISA-eligible loans with similar risk-rating frameworks.
• Lendinvest: UK FCA-authorised P2P platform for property bridging, development, and buy-to-let mortgages. Closest direct competitor in regulated UK property crowdfunding, with similar retail IFISA positioning but broader product range including bridging loans.
• Assetz Capital: UK FCA-authorised P2P lending platform offering property-backed loans with IFISA wrapper. Comparable as a UK retail-facing property P2P platform with similar capital-raising model and investor demographics.
• Landbay: UK FCA-authorised P2P platform specialising in buy-to-let mortgage lending. Comparable as a UK retail P2P property lender, though Landbay lends directly against BTL mortgages rather than via SPV loan parts.
• Kuflink: UK FCA-authorised peer-to-peer investment platform focused on property-backed bridging and development loans. Comparable UK retail P2P property platform with similar IFISA wrapper and risk-rating approach.
• Octopus Choice: UK FCA-authorised P2P lending platform from Octopus Investments offering property-backed IFISA-eligible loans. Comparable UK retail P2P platform backed by a larger financial group, with overlapping investor base and risk-assessment framing.
• Proplend: UK FCA-authorised P2P platform focused on senior-secured commercial property loans. Comparable UK property P2P platform with similar risk-rating framework and retail IFISA offering, though targeting commercial rather than supported-living residential assets.

Broad incumbents

• Funding Circle: UK FCA-authorised P2P lending platform with broader small-business loan focus but offering IFISA and serving similar UK retail investor base. Comparable as a broader incumbent in the UK regulated P2P space, with deeper capital base and wider product set than Housemartin.

Regional players

• EasyKnock: US-based residential real estate investor platform. Comparable as a property-investor platform providing liquidity and alternative exposure to residential real estate, though operating in a different geography with no direct UK overlap.
• PeerStreet: US-based P2P real estate lending platform historically focused on short-term residential bridge loans. Comparable in product structure and risk-rating methodology for property-backed loans, though operating exclusively in the US market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Housemartin