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Home » LIST OF P2P PLATFORMS FOR MORTGAGE

LIST OF P2P PLATFORMS FOR MORTGAGE

LIST OF P2P PLATFORMS FOR MORTGAGE

What is a list for P2P (peer-to-peer) platforms dedicated to home loans ?

A list for P2P (peer-to-peer) platforms dedicated to home loans is a collection of online marketplaces where individual investors directly fund borrowers seeking mortgage financing, refinancing, or home equity loans.

A dedicated list for home loan platforms highlights those with mortgage-specific expertise, regulatory compliance, and property-based risk assessments, because the importance of such a list lies in its specialization as not all P2P platforms offer home loans—many deal with personal loans, business financing, or student debt.

A dedicated list for home loan platforms highlights those with mortgage-specific expertise, regulatory compliance, and property-based risk assessments. It helps borrowers identify where they can secure financing for buying, improving, or refinancing a property outside the traditional banking system.

How does a P2P for mortgage work ?

Here’s how a P2P mortgage works in a step-by-step format so it’s clearer:

🔹 For the Borrower

  1. Application – The borrower applies for a mortgage on a P2P lending platform instead of a bank.
  2. Assessment – The platform checks credit history, income, and the property value.
  3. Approval & Listing – If approved, the loan request is listed on the platform for investors to fund.
  4. Funding – Once enough investors commit money, the borrower receives the mortgage funds.
  5. Repayment – The borrower makes monthly payments (interest + capital) to the platform, which distributes them to investors.

🔹 For the Investor

  1. Browse Loans – Investors log in to the platform and review mortgage opportunities.
  2. Select Investment – They choose how much to invest in one or more mortgages.
  3. Funding – Their funds are pooled with others to finance the borrower’s mortgage.
  4. Earn Returns – Investors receive monthly repayments with interest, creating a steady income stream.
  5. Risk Management – If the borrower defaults, the loan is secured against the property, which may be repossessed and sold to recover funds.

🔹 Platform’s Role

  • Acts as an intermediary: manages applications, verifies property, sets interest rates.
  • Handles transactions: collects payments from borrowers and distributes them to investors.
  • Provides security: ensures compliance, manages defaults, and enforces collateral rights.

Here’s a refined overview of peer-to-peer (P2P) mortgage platforms operating in the USA, UK, and Canada, complete with notable names and what they offer in each region:

United States — P2P Mortgage & Real Estate Lending Platforms

  • Unison Home Ownership Investors
    Offers a shared-equity homeownership model—similar to P2P—allowing homeowners to purchase property with less capital by sharing future home value appreciation.
  • Groundfloor
    A real estate crowdfunding platform providing short-term real estate loans backed by property, regulated under SEC’s Regulation A+. This enables individual investors to fund real estate projects.
  • SoFi & National Family Mortgage
    Mentioned historically as P2P mortgage lenders offering direct mortgage financing options via individuals. These models aimed to simplify access to credit, but details are largely dated.

United Kingdom — P2P Mortgage & Property Lending Platforms

  • LendInvest
    A fintech-powered platform that matched individual/institutional investors with property-backed loans, particularly in the buy-to-let and bridging finance space. It initially operated as P2P before moving to institutional funding.
  • Landbay
    Originally launched as a P2P platform for buy-to-let mortgages, enabling investors to fund residential mortgage lending. It has since shifted to institutional funding but remains a key early P2P mortgage model in the UK.
  • Peer-to-Peer Lending Platforms with Property Exposure
    According to MoneyMagpie, notable P2P platforms in the UK include Zopa, Funding Circle, Plend, Kuflink, and CrowdProperty, some of which facilitate property-backed lending.
  • LandlordInvest
    A dedicated P2P platform specializing in bridging and development loans secured against property—ideal for property investors looking for ISA tax wrappers.
  • Folk2Folk
    Focuses on secured, rural property-backed business loans, matching businesses with individual and institutional investors.

Canada — P2P Lending Platforms (Including Mortgages)

  • goPeer
    A leading personal loan P2P platform in Canada, connecting borrowers with private investors; loans go up to CAD 35,000. It’s accessible to borrowers with sufficient credit history.
  • Lending Loop
    Canada’s first P2P platform focused on small business loans, allowing borrowers to request funding for business purposes from multiple investors.
    Loans CanadaLending Loop

Note: While there are broader P2P ecosystems in Canada—including those covering personal and business loans—there aren’t widely known P2P mortgage-specific services in the mainstream market.