CrowdToLive

CrowdToLive is a UK property crowdfunding platform that connects homebuyers ('Champions') with investors using a Sharia-compliant Musharakah shared-ownership model. The platform operates under the FCA authorisation of Elite Capital and Management Services Limited (FRN 822039), which appears on the FCA Register as directly authorised. Investors should note that Elite Capital's FCA permissions include a restriction stating the firm "must not conduct designated investment business other than Venture Capital business" — relevant to how CrowdToLive's activities map to the firm's permissions and worth verifying directly.

CrowdToLive's website explicitly states that investments are not covered by the FSCS. Specific AUM, default rates and realised return statistics are not published publicly.

Each property is held in a special purpose vehicle (SPV). The Champion typically contributes a small initial equity stake and pays rent on the portion they do not own; investors hold unlisted shares in the SPV and receive rental income pro rata, plus any capital appreciation on sale. CrowdToLive describes this as a Sharia-compliant Musharakah structure and handles property sourcing, tenancy administration and rent collection.

A "selling board" lets investors signal buy/sell interest in their shares, but the platform does not guarantee or execute matched trades on investors' behalf — liquidity is informal.

Equity investments in individual UK residential properties via unlisted SPV shares, with a stated investor minimum of £100 per property. Champions get a route to debt-free homeownership by co-owning with investors.

Disclosed fees include: 3% initial transaction fee, 2% management fee on collected rent, 1% exit fee on sale, and a 3% Champion admin fee when buying additional shares.

The company itself raised growth capital on Seedrs in October 2022 (reported ~£467,000 raised) — a corporate funding event, not an investor project return.

Investors seeking small, individual equity stakes in UK residential property who accept high risk, illiquidity, no FSCS protection and the possibility of total capital loss. May appeal to investors specifically seeking Sharia-compliant structures. Champions need to meet the platform's deposit and credit criteria (e.g. Experian credit report) and accept rental obligations on the unowned portion.