Private real estate debt investments for wholesale investors
Private real estate debt is an option for wholesale investors to diversify their portfolios by investing in property-backed, first mortgage secured property project loans. The challenge wholesale investors face is having the time, resources, and expertise to select property development projects to invest in.
CrowdProperty’s expert property team finds the projects, completes a rigorous due diligence process to ensure each project meets CrowdProperty’s high-quality standards, meaning wholesale investors can take advantage of private real estate debt investments without having to source the projects themselves.
Register now to get involved with the latest CrowdProperty opportunities.
What and who is a wholesale investor?
A wholesale investor is an investor that meets certain financial criteria. They must meet the financial threshold of a yearly gross income of over $250,000 (for at least the last two financial years) or hold net assets both of which require evidence in the form of an accountant’s certificate confirming that fact — or have $500,000 to invest upfront. Read more about the difference between wholesale and retail investors here.
Why invest with CrowdProperty as a wholesale investor?
CrowdProperty offers wholesale investors access to expertly curated, property-backed debt investments that are typically difficult for individuals to access at scale. The CrowdProperty investment platform is purpose-built to fund quality property projects led by experienced SME developers, delivering investors the potential for target income returns* through first mortgage-secured loans.
What sets CrowdProperty apart is the deep in-house property expertise we apply to every property project loan we originate. We undertake rigorous due diligence and ongoing project monitoring aimed at ensuring capital is deployed into well-structured opportunities with strong fundamentals.
With millions funded and a 100% capital and interest payback track record to date*, we’ve proven our ability to deliver consistent, risk-adjusted returns for wholesale investors seeking income and diversification beyond traditional fixed income markets*. [Actual returns may differ and can be positive or negative. Past performance is not a reliable indicator of future returns.]
Features and benefits for wholesale property project loan investors
Invest in niche market demand
According to the 2025 CrowdProperty SME Developer Survey, the biggest issue preventing small-scale developers from building more homes is access to debt finance. CrowdProperty assists to solve this for SME developers. Australia needs to build more ‘missing middle’ homes, and it’s SME developers who are best positioned to do this if they have access to expert finance. Investing in CrowdProperty’s project loans gives investors potential to earn target income* returns while helping build more homes.
Choose the right investment path for you
Our investment model is all about choice. Once you’re registered and approved, you can choose to invest via our wholesale Partner Fund, which is deployed against all project loans, or you can view our live projects and choose to invest in them individually.
Work with the experts
Our team is backed by over 100 years of collective property development and industry experience. Members of our specialist property team understand what our developer customers do on a daily basis, and we only bring projects to our investors that have passed through our thorough due diligence process.
How CrowdProperty works for wholesale investors
- Property developers looking for speed, expertise, and certainty of finance apply to us to fund their residential real estate development project.
- We critically evaluate their proposal using our proprietary 57-step due diligence process.
- If both parties agree terms, we present this project loan to our investors to invest in via the CrowdProperty platform, or via the wholesale Partner Fund, which is deployed against all projects.
- Once registered, investors login to the CrowdProperty platform where they can see all the projects currently open and choose to invest.
- Once funds are raised and deployed, we keep our investors updated with regular roundups until the project is completed.
- Upon successful completion of the project, and repayment of the loan and interest in full, investors will receive their capital and interest income ^*.
^Wholesale investors in the CrowdProperty Partner Fund may receive quarterly income distributions.
How to apply
It’s easy for wholesale investors to get started with CrowdProperty. Simply register on our website and provide the required documents (ID, proof of address, accountant’s certificate). Once approved, you can either look at individual project loans to invest in*, or our team will help you get set up to invest in the wholesale Partner Fund.
Looking to start investing* in property development loans?
