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Can you imagine being able to invest in real estate without having to buy an entire property, without mortgages, without endless paperwork, and starting from as little as €10? Welcome to the world of real estate crowdfunding, a revolutionary way to put your money to work in bricks and mortar, but without the complications of the traditional method.
Interested in learning more? In this article, we will guide you step by step through everything you need to know and introduce you to the 5 best real estate crowdfunding platforms. If you are looking to diversify your investments intelligently, this article is designed for you.
What is real estate crowdfunding and how does it work?
Real estate crowdfunding is a collective investment model that allows multiple people to participate with small amounts of money in large real estate projects. Instead of buying an entire apartment, you contribute capital alongside other investors and get a proportional share of the profits: whether from rent, appreciation, or interest on a loan.
The interesting thing is that, depending on the platform, you can invest in residential developments, hotels, commercial premises, or even loans secured by real estate.
In addition, the platforms usually take care of the entire process: risk analysis, project selection, document management, rent or interest collection, and profit distribution. This makes real estate crowdfunding an attractive option for investors looking to diversify their portfolio with medium risk and a low barrier to entry.
Differences from traditional real estate investment
- You don’t need to buy an entire property
- No worries about tenants, maintenance, or direct taxes
- Professional management by the platform
- Lower liquidity, but greater diversification possible
- Accessible from as little as €100 in some cases
Key factors for choosing the best real estate crowdfunding platform
Not all real estate crowdfunding platforms are the same, and choosing the right one can make the difference between a profitable investment and a bad experience. There are objective criteria that you can take into account, which we detail below.
First, analyze what type of investments the platform offers (equity or loan). Then, check its level of regulation and transparency: is it registered with an official body such as the CNMV in Spain or the FCA in the United Kingdom? The minimum investment, the available markets, and, of course, the user profile it is aimed at are also key. Are you just starting out or are you an experienced investor? There are options for both profiles.
Minimum investment level and accessibility
Some platforms allow you to start with as little as €100, which is ideal for those taking their first steps. Others require higher amounts, designed for accredited or professional profiles. The lower the entry level, the more accessible and diversified your portfolio can be.
Types of assets available (residential, commercial, loans)
The best platforms diversify between:
- Rental properties (monthly rent)
- Real estate developments (profit on sale)
- Real estate loans (fixed interest)
Each type of asset has its own level of risk and return. If you are conservative, you may be interested in the mortgage-backed loan model.
Regulation and security of each platform
Avoid little-known platforms or those that do not publish clear information about their operations. When using a platform, we recommend that it meets these minimum requirements:
- Registered with the regulatory body in your country (CNMV, FCA, etc.)
- Uses separate payment accounts
- Has auditing and transparency mechanisms
Investor profile (beginner, accredited, conservative, etc.)
- Beginners: it is best to start with accessible platforms, with simple projects and low amounts.
- Accredited: can access exclusive projects with high returns.
- Conservative: look for platforms with secured loans or stable income.
- Aggressive: prefer equity in promotions with high revaluation.
The 5 best real estate crowdfunding platforms in 2025
Thanks to real estate crowdfunding, today anyone can participate in residential or commercial projects from as little as $50 or €10, diversifying their portfolio and accessing competitive returns.
Here is a selection of the five most prominent crowdfunding platforms, evaluated for their security, ease of use, profitability, and level of regulation. All of them work perfectly and are designed for both novice and experienced investors.
Estateguru
Estateguru is one of the most established platforms in Europe specializing in mortgage-backed real estate loans. It operates under the European ECSPR license and is active in countries such as Estonia, Finland, Germany, Spain, and Lithuania.
- Minimum investment from €50
- Projects with estimated returns between 8% and 12% per annum
- High transparency and excellent interface
- Ideal for those seeking stability and solid regulation
Crowdestate
Headquartered in Estonia and with an active presence in several European countries, Crowdestate allows you to invest in real estate debt or income projects, including office buildings, residential buildings, and logistics centers.
- Stable platform that is well-regarded by European users
- Projects with different horizons and risk types
- Minimum investment from €100
- Allows you to sell your stake before maturity in certain cases
Urbanitae
One of the leading platforms in the Spanish market, regulated by the CNMV. Urbanitae allows you to invest in real estate developments from national developers, with good returns and legal certainty for investors residing in the EU.
- Minimum investment from €500
- Well-detailed projects with accessible legal documentation
- Ideal for those looking to invest in Spain with complete transparency
- Large community of investors and regular reports
Nordstreet
A growing option in popularity within Central and Eastern Europe. Nordstreet offers real estate-backed loans in markets such as Lithuania, Poland, Germany, and Spain.
- Potential returns of up to 12%
- Low minimum investment: €50
- Clear model, with risk analysis and mortgage guarantee
- Focused on small investors looking for diversification
Valvest.io
Valvest.io is a recent platform with good prospects, focused on sustainable projects and real estate opportunities in Spain and other European countries.
- Investments starting at low amounts
- Projects with an ESG focus and medium-high returns
- Perfect for those looking for alternatives to traditional REITs
- 100% digital investment process
Real estate crowdfunding as an accessible investment avenue
You no longer need to be a millionaire or own a flat to earn income from the real estate sector. From as little as €50 or €100, you can be part of large projects, diversify risks, and access very competitive returns.
As always, the key is to be well informed and choose the best real estate crowdfunding platforms. And remember: investing in financial knowledge is the best investment of all. Ready to take your first step into real estate investing?
Frequently asked questions about real estate crowdfunding
Below we answer the most common questions about this type of collective investment. If you are just starting out, this section is key to clarifying concepts and making informed decisions.
What average return can I expect?
Lending platforms typically offer between 6–12% per annum, while equity platforms can exceed 10–15% per annum. Of course, the return depends on the type of asset, the duration of the project, and the associated risks.
Is it safe to invest in real estate crowdfunding?
If you choose regulated platforms and diversify your investment, the level of risk can be controlled. Even so, like any investment, it is not without uncertainties: defaults, construction delays, or market changes can impact returns.
What taxes are paid on these investments?
You must declare the profits as capital gains. In Spain, they are taxed between 19% and 28% depending on the amount earned. Some platforms send tax reports to facilitate this task.
