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CrowdToLive® is a product operated & owned by Elite Capital and Management Services Limited.

CrowdToLive®, offers debt-free property co- ownership. CrowdToLive® is an equity funding platform that brings crowds of investors and homeowners together in debt-free partnerships.

Home buyers can own their home without incurring debt whilst investors can reap the rewards of the housing market without the hassle of tenant management.

The minimum starts at £10,000 and you can increase by any of multiple of £100 (i.e. £10,100, £10,200 £10,300…)

We conduct due diligence on each Champion and property:

  • The Champion will have to pass our Compliance checks and our affordability test.
  • Each property will be valued using an independent RICS surveyor and a solicitor will do the conveyancing.

You will be investing in a company with unlisted shares. Each investment property is owned by a Champion and a separate company. Your shares will give you indirect shared ownership in the property and allows you to receive dividends once the company is profitable.

You should be aware that Investing in property and property crowdfunding involves downside risks as well as the possibility of rewards and should be considered to be a long-term investment strategy. The downside risks could include a loss of capital, illiquidity and a lack of income (please read the full risk warning here).

The funds raised will be used to purchase the property and the property will then be rented by the Champion.

The rent collected, minus any expenses and taxes, should generate a profit that will be distributed as a dividend by the Company.

In addition, there is the potential, not a guarantee, for capital appreciation if the property increases in value.

There is no locking period, you can sell your shares at any time. However please note, that as the shares are unlisted, this will be subject to you finding a buyer.

Investments should only be made as part of a diversified portfolio. You should be aware that the value of a property may fluctuate. Unlisted shares are highly illiquid, there is no secondary market for investments made in unlisted securities and it may not be possible to sell your securities to third parties in a simple and timely manner.

There is no fixed investment maturity as such, you can sell your shares at any moment subject to you finding a buyer.

The Champion will sign a 5 year AST agreement (Assured Shorthold Tenancy Agreement) that is renewable every 5 years if agreed by each party.

It is important to note that on each 4th year of your lease agreement, the Champion will be offered the opportunity to renew the lease agreement for a further 5 years (at the end of the first term). If they do not want to renew the lease then the property will be marketed for sale.

If the Champion decides that they would like to renew the said lease, the Investing partner (the company you hold shares in) will be offered the opportunity to agree to a 5 year renewal (at the end of the first term).

In the event that the majority of the Investing partner (51%) decides that they do not wish to renew the lease then the Champion will be offered the opportunity to purchase the remainder of the property they do not own.

If the Champion decides not to purchase the remainder of the property, then the Investing partners share of the property will be offered to other Investors.

In the case that there is no other willing investment party to purchase the remainder of the property, then the property will be marketed for sale.

Yes. Once a year the rent will increase by the highest of:
  • CPI (Consumer Price Index) + 0.5% per annum
  • 0%
For Example, let's say the rent in the first year is £1,000 per month. CPI (Consumer Price Index) is 1%+ 0.5%, then the rent in the second year would be £1,015 per month.

We believe that CrowdToLive® offers an efficient alternative to Buy to Let as:

As the minimum investment is GBP10,000, Investors can reduce their investment risk by diversifying in several properties in different locations. Therefore, as the income stream is diversified you will not be dependent on a single property income.

As the Champion is a co-owner as well as a Tenant this will lower the fees involved with finding a tenant and maintaining the property.

The amount that the Champion will invest in the property will be their pledge to the other investors. This means that if the Champion does not pay their rent and is evicted, all the unpaid rent as well as the cost of eviction will be deducted from his investment upon the sale of the property. This will ensure that the Champion is incentivised to pay his rent which mitigates the unpaid rent risk for the investors.

Please note that the Champion has the option, but not the obligation, to buy investors shares to increase their home ownership. Investors will be obliged to sell their shares only in case of profit. If the Champion pays their rent, they will be the ultimate decision maker when the property will be sold during every term (5 years). Under a normal buy to let scheme the investor is the only decision maker on when they want to sell the property.

Once you choose an investment, you will commit to how many shares you would like to purchase. A limited liability company will be incorporated to purchase the property & your shares will be registered via Companies House.

A 3% platform fee will be charged to investors on the successful investment.

For example, if you invest £50,000 then the platform fee you will be charged is £1,500.

If you invest in a property that does not complete for whatever reason, no fees will be charged.

You can cancel your investment at any time within 14 days of commitment or up until the funding campaign closes, whichever is sooner. To do this you will need to contact us by emailing info@crowdtolive.com

At certain intervals throughout the life of the investment, the Champion will be given the option but not the obligation to increase their ownership in the property. Therefore, when the Champion increases their ownership, a capital reduction will be undertaken by the company and every shareholders capital will be repaid proportionally.

For example, the Champion owns 20% of the property, and there are four other investors owning 20% each. The Champion wishes to purchase an additional 20% of the property. Therefore he will purchase 5% from each of the four investors.

The Champion will be obligated to pay the current market value of the property, calculated using the Home Price Index.

In addition to the above scenario, the Champion will sign a 5 year AST agreement (Assured Shorthold Tenancy Agreement) that is renewable every 5 years if agreed by each party.

It is important to note that on each 4th year of your lease agreement, the Champion will be offered the opportunity to renew the lease agreement for a further 5 years (at the end of the first term). If they do not want to renew the lease then the property will be marketed for sale.

If the Champion decides that they would like to renew the said lease, the Investing partner (the company you hold shares in) will be offered the opportunity to agree to a 5 year renewal (at the end of the first term).

In the event that the majority of the Investing partner (51%) decides that they do not wish to renew the lease then the Champion will be offered the opportunity to purchase the remainder of the property they do not own.

If the Champion decides not to purchase the remainder of the property, then the Investing partners share of the property will be offered to other Investors.

In the case that there is no other willing investment party to purchase the remainder of the property, then the property will be marketed for sale.

If you wish to exit your investment and get your capital back before the sale of the property, you will have to find a buyer willing to acquire those shares. Elite Capital and Management Services has no obligation to buy or find a buyer for investors looking to sell their shares.

Before investing you should be aware and understand that unlisted shares are highly illiquid. Investments made on the CrowdToLive® website site are not covered by the Financial Services Compensation Scheme (FSCS).

Yes, as long as the Champion has not defaulted on their obligations. The champion has the right to purchase more ownership in the property at certain intervals as long as the property value has increased. When the Champion increases their ownership, a capital reduction will be undertaken by the company and every shareholders capital will be repaid proportionally.

You should be aware that this means that you are not in control of the timing of any potential capital gains tax. You are responsible for the payment of your own taxes from investing via our platform. We do not provide tax advice and if you are uncertain how investing will affect your personal tax position, you should seek professional advice before investing.

As with all property purchases it is important to know that investing in property involves risks, including loss of capital and illiquidity.


Investors in a fully funded property purchase should be aware that their entire capital is at risk.



Investments are not protected under the Financial Services Compensation Scheme (FSCS). This type of investment is only for Professional Investors that understand the risks (please read the full risk warning here).



This is not an exhaustive list of risks and you should read the full risk warning alongside the FAQ’s.

Providing great customer service is important to us and as such we do everything we can to prevent complaints occurring. However, we do appreciate that despite our best attempts, sometimes things might go wrong.

If you are unhappy with any aspect of the service we have provided then please email us at customer@crowdtolive.com or call us on +44 203 542 1452 to tell us how we can help.



What you’ll need to tell us so that we can help you:

  • Your personal details
  • What’s gone wrong
  • What you want us to do to put things right.


We’ll be in touch with you as soon as we can and let you know what will happen next. We’ll try to resolve your complaint within 3 working days of receipt – if we’re unable to do this we will write to you acknowledging that we have received your complaint and the next steps that will be taken. For more complex issues it’s likely that we will need longer to look into what’s happened and we may ask you for further information to help us reach an outcome.



If we are unable to resolve your complaint, then UK Residents can ask the Financial Ombudsman Service (FOS) to carry out an independent review of your complaint. You have the right to ask the FOS to review your complaint if we’ve been unable to resolve it within 8 weeks.

If you are unsure whether the FOS will consider your complaint, please contact them directly for advice. The service the FOS provides is free and impartial and contacting them at any stage of your complaint will not affect your legal rights.
The contact details for the FOS are: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone Number: +44 (0)300 123 9123 or +44 (0)800 023 4567. Email: complaint.info@financial-ombudsman.org.uk

As per AAOIFI shariah standards, income generating fixed assets (such as leased assets) do not represent zakatable assets (ie: you don't pay Zakat on the value of those fixed assets). However, the income generated by such assets is added to your cash zakatable pool (like any other income) and should be treated accordingly.
For ease of reference, paragraph 4/2 of AAOIFI Shariah Standard no 35 reads as follows : "There is no Zakah on fixed assets which generate income like mustaghallat (leased assets), if such assets are not acquired for trade. Nevertheless, Zakah is obligatory at the end of the year on the unexpended portion of the income generated by the assets, by adding that portion of income to the other zakatable assets and applying the Zakat rate.".



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