Kuflink vs Housemartin
Property P2P: flexible debt platform vs asset-backed exchange model
Kuflink and Housemartin (formerly Assetz Exchange) represent two approaches to property-backed investment in the UK. Both are FCA-regulated and both offer secondary markets — a feature that sets them apart from many competitors in the property investment space.
Kuflink has built its reputation on property-backed loans with a low £100 minimum investment and an IFISA wrapper. The platform offers bridging, development, and buy-to-let loans, giving investors a range of property debt exposures. Its secondary market adds a layer of flexibility uncommon in the P2P sector.
Housemartin takes a different structural approach. Rather than individual loans, the platform offers investments in specific supported living and social housing properties via SPVs, with returns derived from rental income and potential capital growth. This makes it closer to fractional property ownership than traditional P2P lending.
The distinction matters: with Kuflink you're lending against property; with Housemartin you're investing in property itself. This comparison explores what that means in practice.
Side-by-Side Comparison
| Feature | Kuflink | Housemartin |
|---|---|---|
| Minimum Investment | £100 | £1 |
| Investment Type | Debt | Equity |
| FCA Status | FCA-Regulated | FCA-Regulated |
| Secondary Market | Yes | Yes |
| Founded | 2016 | 2014 |
| Regulatory Category | Peer-to-Peer (P2P) | Directly Authorised |
| Asset Types | Real Estate | Real Estate |
| AUM / Originated | £293M | Undisclosed |
| Geography | UK | United Kingdom |
Data sourced from platform websites and FCA register. Last updated March 2026.
Key Differences
The fundamental difference is the investment structure. Kuflink is peer-to-peer lending: you lend money secured against property and receive interest. Housemartin offers direct investment in property assets via SPVs: you buy fractional equity units in a specific property and receive a share of rental income.
This structural difference affects returns, risk, and liquidity. Kuflink investors receive fixed interest rates over defined terms. Housemartin investors receive variable rental yields plus exposure to property value changes (up or down).
Both platforms offer secondary markets, but they function differently. Kuflink's allows you to sell loan positions; Housemartin's allows you to sell property equity units. In both cases, liquidity depends on buyer demand.
Minimum investments are similar: Kuflink from £100, Housemartin from £1. The very low entry point on Housemartin makes it one of the most accessible property investment platforms in the UK.
Who Is Each Platform Best For?
Kuflink
- Investors who prefer fixed-interest debt products
- Those seeking IFISA-wrapped property lending
- Investors wanting bridging and development loan exposure
Housemartin
- Investors who want fractional property ownership
- Those seeking rental income exposure
- Investors wanting very low minimums (from £1)
Verdict
Choose Kuflink if you want fixed-interest property debt with the predictability of defined loan terms. Choose Housemartin if you prefer exposure to actual property assets with rental income potential. They complement each other well in a diversified alternative investment portfolio.
Disclaimer: Property investments and P2P lending carry risk. Capital is not guaranteed. Neither platform is FSCS-protected for investment losses. This is not investment advice.
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