A mortgage lender that uses machine learning technology and finance to make home ownership possible.
Business overview
Location | London, United Kingdom |
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Social media | |
Website | www.proportunity.co |
Sectors | Property Mixed Digital/Non-Digital B2C |
Company number | 10470755 |
Incorporation date | 9 Nov 2016 |
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
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.
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