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  1. Crowd Funding is a means of raising capital. It's really quite different to P2P lending. @JSHarris provided a neat summary earlier today here As with the entry on P2P (here) I copy and paste an edited version of it below. Crowdfunding is solely a means of raising capital, with no absolute obligation on the recipient to pay anything back at all. It is primarily used to provide investment for start-up companies, where initial investors may receive a reduced price product in return for their investment (assuming the company gets off the ground), and more recently has been adopted as a way of raising non-refundable donations for specific charitable cases (like sending a person to another country for medical treatment not available in the UK). It is not a lending or borrowing scheme in the usual way we would understand such a thing, and anyone who invests in a crowdfunded project has to treat it like any other high-risk investment or donation and not expect to ever get their money back. There are exceptions, but this is generally how crowdfunding works. In terms of self-build and renovation, I can see a place for crowdfunding a start-up company that has come up with a product or service that looks to be beneficial to self-builders. I cannot possibly see how crowdfunding could be used as a substitute for a lending scheme, like a conventional mortgage or loan. (accessed 01/12/2017)