Mogelijk is a real estate crowdfunding platform based in the Netherlands, offering commercial mortgage financing primarily to SMEs. The platform allows investors to finance properties directly or through the Mogelijk Business Mortgage Fund. The investment process ensures security by requiring borrowers to have at least 30% equity in the property, minimizing the loan-to-value ratio. With a strong focus on commercial real estate, Mogelijk caters to investors looking for steady returns with relatively low risk. The platform's streamlined digital processes, combined with its emphasis on personal contact and expert guidance, have made it a popular choice among Dutch real estate investors
Licence/regulation: Licensed under European Crowdfunding Service Providers (ECSP) regulation
Mogelijk charges a one-time brokerage fee of 2% on the loan amount, paid at the time of notary signing. For additional management services under the Mogelijk Plus arrangement, investors are charged 0.5% of the annual interest
Mogelijk offers commercial mortgages by connecting investors directly with property owners seeking loans. Investors receive first mortgage rights, providing significant security. The platform also facilitates the management of loans, including payment processing and collection, ensuring a hassle-free experience for investors. The minimum investment in direct projects is typically high, starting around €20,000, which positions Mogelijk as suitable for more affluent investors or institutions
Investing through Mogelijk involves typical risks associated with real estate investments, such as market fluctuations and potential payment defaults. However, these risks are mitigated by securing loans with first mortgage rights on commercial properties and requiring significant borrower equity. The platform also offers additional services, like Mogelijk Plus, which provides further risk management through debt recovery support and secondary insurance coverage
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