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Risk Warning

Risk Warning

Crowd Lending

The following risk warning refers specifically to the following product categories: Crowd Lending

A loan, even if secured against a property, contains risks. You may not get the returns expected and your capital is at risk.

The terms ‘invest’, ‘investing’ and ‘your investment’ below refer to both loan and share investments.

Capital at Risk

The market value of property can go down as well as up and the return of your capital would be dependent on a sale of a property which is not guaranteed.

Property prices can go down as well as up and different property types or those in different areas may be more or less susceptible to reduced or negative growth.

there is a risk that you may not get back what you invest if property prices fall, and you should only invest as much as you can afford to lose and as part of a diversified portfolio.

Tax

You are responsible for the administering of your tax affairs, which may include capital gains and/or income tax. Your tax treatment depends on your individual circumstances and may be subject to change by HMRC in future. We do not provide tax advice and you should seek this independently before investing. It is your responsibility to ensure that your tax return is correct and is filed by the deadline and that any tax owing is paid on time.

Defaults

Repayment of loans is not a certainty, and from time to time borrowers may default. Bunce Crowd try to mitigate this risk by having a comprehensive due diligence process to assess the borrower before listing the investment on the platform. Unexpected things can happen and the due diligence process does not completely remove the risk inherent in lending. You may not receive all your capital back and the process to repossess and sell a property could alter the time your money is tied in.

Future Performance

Any projections of future performance are based on all known information, internal calculations and opinions of Bunce Crowd; they are not guarantees and are subject to change at any time so should not be relied upon.

Liquidity  

Any peer to peer investment made through this platform is illiquid –each investment is a long term commitment and at the investment exit date a property may take serval months to sell.  there is no ability to transfer the benefit to a third party. Once the loan is made you are committed to it for the period of the loan. Further there is currently no active resale market for loans units or shares in the property owning companies.

Diversification

Any loans made secured against property should only be considered as part of a diverse investment portfolio which contains investments of different kinds and where you do not put too great a proportion of your capital into one particular type of investment.

Investing in property should only be done as part of a diversified portfolio. This means that you should invest smaller amounts in multiple asset classes as opposed to a large amount in one or a few. It also means that you should invest only a small proportion of your investable capital in this asset class, with the majority of your investable capital invested in other assets with a liquid market.

Exit and Control

Bunce Crowd  reserves the right to dispose of the property investment prematurely in order to crystallise gains or cut losses. This is to ensure Bunce Crowd can act in the best interest of all its investors. This may result in investors incurring losses or crystallising taxable income sooner than anticipated. Equally, it may be in the best interests of the investors to delay a sale beyond the expiry of the investment term. In such circumstances, Share Investors would continue to receive dividends where net rental income is generated, and Loan Investors would continue to be entitled to interest payments

Investment Income May Vary

Estimated returns projections are a guide and not guaranteed. They may be lower than expected or cease completely for a number of reasons, for example, uninsured damage making the property uninhabitable for a period. Equally, interest payments may not be paid every month if an SPV is facing cash flow issues. The amounts due will continue to accrue whether or not they are actually paid.

Financial Services Compensation Scheme.

Investing in property can be rewarding but it involves risk. If you choose to invest through Bunce Crowd, you must be aware of and accept the following considerations. The share investments Bunce Crowd facilitates are defined by the Financial Conduct Authority as investments in non-readily realisable securities.

As such, they are only to be marketed to investors with a defined level of sophistication. Bunce Crowd will only market opportunities to those investors categorised as Certified High Net Worth Investors, Self-certified Sophisticated Investors or Certified Sophisticated Investors.

If you are in doubt about your investor status, or have not registered with Bunce Crowd, please stop viewing our marketing material and consult the FAQs section of our website or a financial advisor for further information.

Investors should carefully read each property investment’s information pack before making an investment decision, in order to become familiar with the details of the investment, including the potential risks.

Investors must be capable of evaluating the merits and risks of any prospective investment. Those investors who do not have this ability or are in any doubt as to whether investing via Bunce Crowd is suitable for them, are encouraged to consult with a financial advisor, accountant or any other financial professional that can help them understand and assess the risks associated with each investment opportunity.

Equity Investment

Risk Warning

Investment Income May Vary

Estimated returns are subject to risks around timescales, tenant risk and other costs.

Dividend income projections are a guide and not guaranteed. They may be lower than expected or cease completely for a number of reasons, for example, uninsured damage making the property uninhabitable for a period. Equally, interest payments may not be paid every month if an SPV is facing cash flow issues. The amounts due will continue to accrue whether or not they are actually paid.

Tenants may not pay their rent or properties may be untenanted for periods and such bad debt or void periods would impact on returns.

Purchases that do not complete, fees or other costs (including refurbishment) may be greater than anticipated all of which would impact on returns.

Dilution

Any further issue of shares by a company (which may be required for further fundraising) would dilute your investment.

Liquidity 

The shares are unquoted, and there is no trading platform or quotation for them. You could sell shares, should you find a willing buyer, but such shares may constitute a minority holding in an unquoted company and as such may hold little value until a Property is sold.

Diversification

Any Equity made secured against property should only be considered as part of a diverse investment portfolio which contains investments of different kinds and where you do not put too great a proportion of your capital into one particular type of investment.

Investing in property should only be done as part of a diversified portfolio. This means that you should invest smaller amounts in multiple asset classes as opposed to a large amount in one or a few. It also means that you should invest only a small proportion of your investable capital in this asset class, with the majority of your investable capital invested in other assets with a liquid market.

Financial Services Compensation Scheme.

Investing in property can be rewarding but it involves risk. If you choose to invest through Bunce Crowd, you must be aware of and accept the following considerations. The share investments Bunce Crowd facilitates are defined by the Financial Conduct Authority as investments in non-readily realisable securities.

As such, they are only to be marketed to investors with a defined level of sophistication. Bunce Crowd will only market opportunities to those investors categorised as Certified High Net Worth Investors, Self-certified Sophisticated Investors or Certified Sophisticated Investors.

If you are in doubt about your investor status, or have not registered with Bunce Crowd, please stop viewing our marketing material and consult the FAQs section of our website or a financial advisor for further information.

Investors should carefully read each property investment’s information pack before making an investment decision, in order to become familiar with the details of the investment, including the potential risks.

Investors must be capable of evaluating the merits and risks of any prospective investment. Those investors who do not have this ability or are in any doubt as to whether investing via Bunce Crowd is suitable for them, are encouraged to consult with a financial advisor, accountant or any other financial professional that can help them understand and assess the risks associated with each investment opportunity.

Your Capital is at Risk:

Investing in property involves risk. The value of your investment can go down as well as up and historic performance is not a guide for future performance. Any projections of future performance are based on all information known at the time of share investment or loan, and internal calculations and opinions of Bunce Crowd. These are subject to change and are not guarantees and should not be relied upon as such. Risks include the total loss of your share investment or loan, variable rental income due to property not being rented or a depressed rental market, and inability to sell your share investment or loan due to lack of a buyer.

Neither Bunce Crowd Limited nor any of their affiliates or group companies provides any advice or recommendations in relation to this website. If you have any doubt about the suitability of any investment marketed by Bunce Crowd Limited, or you require financial advice, you should seek a personal recommendation from an appropriately qualified financial advisor that does give advice.

Investments are only available to certain specified persons who are sufficiently sophisticated to understand the risks. Investments in property and unlisted shares carry risk, you may not receive the anticipated returns and your capital is at risk. Bunce Crowd is not covered by the Financial Services Compensation Scheme. Please refer to the Risks warning page of this site for a more comprehensive description of the risks involved.

Please refer to the Risks warning page of this site for a more comprehensive description of the risks involved.

We're still getting everything ready!

As we're yet to launch, our investor and buyer platforms aren't live yet! However you can pre-apply for an account when we launch!

Homebuyer Account | Investor Account