Property Bridges - Risk and return review
Property Bridges - Returns and loss rates
Property Bridges – Platform statistics 2026
6000
investors
Property Bridges – Pros & Cons
About Property Bridges
What it is
Property Bridges is an Irish platform, launched in 2018, for lending to property developers in Ireland. More than 6,000 investors have put in EUR 161.9 million since it started, and EUR 8.5 million of interest has been paid out (1 November 2026).
How it works
You choose loans yourself from EUR 500, or let Auto Invest spread your money over new loans that match your criteria. Most loans fund residential development, refurbishment or bridging finance and run 6 to 24 months. Interest and capital are paid into your e-wallet monthly, quarterly or at the end, depending on the loan.
Returns
The platform shows an average annual return of 7.9% across the platform (November 2026), without saying how it is measured; it most likely reflects the interest rates on its loans rather than a return after losses. New offers target up to 8% a year, and offers in the second quarter of 2026 averaged about 7.5%. In the first half of 2026 it returned EUR 21.97 million to investors, including EUR 1.24 million of interest. No return after losses is published.
Losses and defaults
Property Bridges publishes no default rate, no share of late loans and no loss figure on its public pages (1 November 2026). Its risk warning describes what happens when a borrower defaults, but not how often it has happened. Investors can see fees and losses for their own portfolio only after logging in.
What secures your money
Every loan is secured by a first legal charge on the borrower's property, according to the platform's statistics page (November 2026), which ranks first for repayment from the property's proceeds. Where available, personal or corporate guarantees are added on top; these help but are not security. Each project gets a credit assessment, an independent valuation and legal checks, is approved by a credit committee, and building work is monitored by an independent quantity surveyor. If a borrower defaults, the platform can enforce the charge, including taking possession of or selling the property, to repay investors. There is no buyback or reserve fund described, and no figures are published on how many loans have been enforced or how much was recovered.
Who runs it and its licence
The platform is run by Bridge Peer Financial Ltd, trading as Property Bridges, which the Central Bank of Ireland authorises and regulates as a European crowdfunding service provider under Regulation (EU) 2020/1503. Its pages do not show the licence number.
Fees
Investors pay no fees to register or to invest: the platform is paid by the borrowers, who also pay their own legal costs.
Getting your money out
Money not committed to a loan can be withdrawn from your e-wallet to your bank account at any time. Money in a loan stays there until the borrower repays, typically 6 to 24 months; the help centre describes no way to sell a loan early. If a loan is repaid early, your capital and interest come back to your e-wallet.
Our view
Return: Low, on an average annual return of 7.9% that the platform does not define, and low compared with other property lenders we rate. Risk: High (higher means more risk), because no default or loss figure is published, even though every loan has a first legal charge. Risk-return: Very low, as a low return does not make up for not knowing how often loans fail.
Regulation
License / Regulation: Bridge Peer Financial Ltd, trading as Property Bridges, is authorised and regulated by the Central Bank of Ireland as a European crowdfunding service provider under Regulation (EU) 2020/1503. The licence number is not shown on its pages.
Functionality
For Investors
Useful Information
Yes. Bridge Peer Financial Ltd, trading as Property Bridges, is authorised and regulated by the Central Bank of Ireland as a European crowdfunding service provider.
Mangopay, a regulated electronic-money and payments institution, holds your money in an e-wallet until it is invested and receives repayments for you.
EUR 500 per loan, with no upper limit.
The platform shows an average annual return of 7.9% (November 2026), most likely interest rates rather than a result after losses. No default or loss figure is published.
Every loan has a first legal charge on the borrower's property, sometimes with personal or corporate guarantees on top. If a borrower defaults, the platform can take possession of or sell the property.
Uninvested money can be withdrawn at any time. Money in a loan stays until repayment, typically 6 to 24 months; no way to sell a loan early is described.
None. There are no fees to register or invest; borrowers pay the platform.
Yes. Auto Invest spreads your available money over new loans that match the criteria you set.
Your money is lent to the borrower and held at Mangopay while uninvested, not on the platform's balance sheet. If a borrower fails, repayment depends on enforcing the charge on the property, which can take time. No compensation scheme covers losses.
