Jump to:

Proportunity hero image

Proportunity

Follow

A mortgage lender that uses machine learning technology and finance to make home ownership possible.

104%
 - 
18 days left
£1,750,000 target
£1,837,150 from 217 investors
More
Less

Business overview

Location London, United Kingdom
Social media
Website www.proportunity.co
Sectors Property Mixed Digital/Non-Digital B2C
Company number 10470755
Incorporation date 9 Nov 2016
More
Less

Investment summary

Type Convertible
Discount 15%
Tax relief N/A
More
Less

Business highlights

  • Convertible round with £36M Valuation Cap
  • Over £115m debt and equity funding raised
  • Financed over £100m in property purchases to date*
  • Over 200% YoY in new customers, helped over 260+ home owners
More
Less

Key features

  • Secondary Market
  • Seedrs nominee min. £10.00 +

Learn more about convertible campaigns.

Idea

Introduction

Let’s face it, traditional renting and mortgages suck. They work against people trying to save and the problem is only getting worse as incomes cannot keep up with rising house prices and inflation.

Proportunity is a mortgage lender that combines machine learning and finance to disrupt the broken borrowing system and make home ownership possible.

Join us on our mission to help 1 million people onto the property ladder by 2030 and become the go-to home buying partner for everyone.

Customers use our proprietary machine learning tech to find homes with high growth potential, reassuring them that they're making a smart investment for the biggest financial decision of their lives.

By de-risking the homes we lend on, we’re able to offer our customers an equity loan that increases their home buying budgets by as much as £150k. Our loan effectively closes the affordability gap and enables our customers to buy the home they want now rather than save for another 5 to 10 years.

Monetisation strategy

The market for households who rent, but want to buy is huge. We estimate it to be at around £938B in the UK alone. Our products have three revenue sources:

1: We charge an upfront product fee.
2: We receive monthly interest-only payments on the equity loans we provide our customers to get onto the property ladder.
3: When our customers pay us back, we share in the change in the property value based on our contribution. If the property value goes up, we make additional profit. If it goes down, we share in the downside with our customer.

Open an account to get access to more details about the Proportunity campaign

Sign up

Already have an account? Log in

To comply with financial regulations, we can only show full campaign details to registered users.

Open an account to get access to more details about the Proportunity campaign

Sign up

Already have an account? Log in

To comply with financial regulations, we can only show full campaign details to registered users.

Open an account to get access to more details about the Proportunity campaign

Sign up

Already have an account? Log in

To comply with financial regulations, we can only show full campaign details to registered users.

Open an account to get access to the team members of Proportunity

Sign up

Already have an account? Log in

To comply with financial regulations, we can only show full campaign details to registered users.

Open an account to get access to the Proportunity campaign updates

Sign up

Already have an account? Log in

To comply with financial regulations, we can only show full campaign details to registered users.

Open an account to get access to the list of investors in the Proportunity campaign

Sign up

Already have an account? Log in

To comply with financial regulations, we can only show full campaign details to registered users.

Open an account and verify your identity to get access to the Proportunity discussion

Sign up

Already have an account? Log in

To comply with financial regulations, we can only show full campaign details to registered users.

Open an account and verify your identity to get access to the Proportunity pitch deck and other documents

Sign up

Already have an account? Log in

To comply with financial regulations, we can only show full campaign details to registered users.

Investing carries risks, including loss of capital and illiquidity. Please read our Risk Warning before investing.

Investing involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and should be done only as part of a diversified portfolio. Please read the Risk Warnings before investing. Investments should only be made by investors who understand these risks. Tax treatment depends on individual circumstances and is subject to change in future.

This webpage has been approved as a financial promotion by Seedrs Limited ("Seedrs"), which is authorised and regulated by the Financial Conduct Authority. It is not intended to be a promotion of any individual investment opportunity and is not an offer to the public. The summary information provided about investment opportunities on this webpage is intended solely to demonstrate the types of investments available on the Seedrs platform, and any investment decision should be made on the basis of the full campaign. Full campaigns are available to investors who have become authorised to invest on the Seedrs platform. All investment activities take place within the United Kingdom, and any person resident outside the United Kingdom should ensure that they are not subject to any local regulations before investing.

Seedrs does not make investment recommendations to you. No communications from Seedrs, through this website or any other medium, should be construed as an investment recommendation. Further, nothing on this website shall be considered an offer to sell, or a solicitation of an offer to buy, any security to any person in any jurisdiction to whom or in which such offer, solicitation or sale is unlawful. Seedrs does not provide legal, financial or tax advice of any kind. If you have any questions with respect to legal, financial or tax matters relevant to your interactions with Seedrs, you should consult a professional adviser.

Tax Relief (SEIS)

This business is eligible for SEIS relief - providing qualifying investors with income tax relief of 50% of their investment and certain other tax reliefs. Tax treatment depends on individual circumstances and is subject to change in future. Click to learn more.

Tax Relief (EIS)

This business is eligible for EIS relief - providing qualifying investors with income tax relief of 30% of their investment and certain other tax reliefs. Tax treatment depends on individual circumstances and is subject to change in future. Click to learn more.

Valuation (pre-money)

Valuation rounded from Convertible

Pitch type

There are 5 types of investment pitch available on Seedrs.

  • Equity
  • Convertible
  • Fund
  • Cohort
  • Secondary

Investing in a convertible campaign allows you to invest today, with your investment converting into equity in the future, at a discount compared to other investors.

Learn more about pitch type on Seedrs

Seedrs nominee

This shows if you are able to choose, when making an investment, that you be represented by, and your shareholding be managed by, the Seedrs nominee.

Find out more

Custodian

If you invest in this Campaign, Seedrs will act as Custodian rather than provide our standard nominee service. This is due to the fact that the business is not directly involved in the share sale and Seedrs will not benefit from any rights under a shareholder agreement. As a result, Seedrs will handle administrative tasks as we do normally, but you will not have information or voting rights, updates from the business, preemption on future fundraising, or ongoing support about business trading activity.

Learn more about Custodian here

Secondary market

This shows if the business has opted-in or opted-out of allowing its shares to be bought and sold on the secondary market.

Find out more

Direct investment

This shareholding type is available and the minimum investment required to select it.

Find out more

Payment options

We are not able to accept card payments for investments into this sector. You can pay for your investment by creating a bank transfer, using funds in your investment account or create a Pay by Bank payment. Your investment will only be completed once the funds have reached our account.

Business Involvement

This Campaign offers shares for sale in business that is not directly involved in this Campaign or the sale. As a result, the Campaign and post-investment experience, including investor rights, will differ from a business-led campaign on Seedrs. Most notably, the business will not engage with investors in the discussion forums both during and after the sale or provide any updates to investors.

Learn more here

Payment options

We are not able to accept Pay by Bank payments for investments into this sector. You can pay for your investment with a card payment, by creating a bank transfer or by using funds in your investment account. Your investment will only be completed once the funds have reached our account.

Drawdowns

This campaign offers the ability to pay for an investment by drawdowns.