The UK property market is a global hotspot for investors, renowned for its stability, high rental yields, and robust demand for rental properties. GoGoProp, a Hong Kong-based fintech disruptor, is transforming the property investment landscape by addressing the challenges faced by international buyers with its innovative digital solutions.
A new generation of disruptors are helping Hong Kong establish itself as a global hub for fintech innovation as they provide digital solutions that are changing the way the world does business.
For Christopher Lindvall, founder of the startup, that has meant focusing on a traditional market – namely, property investment in the United Kingdom – and plugging a liquidity gap that has long been the bane of investors both from Hong Kong and from around the world.
Whereas banks can take up to 90 days to approve loans for international buyers, and sometimes even longer, GoGoProp – fully regulated with a Hong Kong money-lending license – delivers initial decisions within 24 hours and completes full loan processing in as little as 10 days.
We are not here to replace the banks. We enable clients to buy time.
For example, a local Hong Kong investor who secured equity release financing for their £1.2 million London property within days. This fast turnaround allowed them to act on a unique investment opportunity that would have been lost if they had relied on traditional banks, which often take months to process similar loans.
“Buying an investment property should be exciting and fun, not a source of stress,” explains Lindvall, the entrepreneur who previously built and sold the successful digital media outlet Lifestyle Asia. “We are not here to replace the banks. We enable clients to buy time, negotiate confidently, and transition to long-term financing with traditional banks.”
The response since the May public launch of GoGoProp has reflected just how hungry the market is for such innovative digital loan approaches – both local and globally – with the start-up reporting 500% more applications than initially anticipated.
The $140 billion UK property market valued by overseas investors remains a global hotspot. It consistently attracts international buyers thanks to its steady price growth, high yields, and strong rental demand. Notably, Hong Kong leads the way, contributing approximately £10.8 billion, according to UK estate agent Benham and Reeves. Cities such as London, Birmingham, and Manchester continue to dominate as top choices, offering attractive returns and long-term investment potential.
The problem has been that the UK is a market where developers often demand payment within weeks, while banks take months to approve loans. It’s a mismatch that costs investors countless opportunities.
Also, nearly one-third of international investors see their first loan applications rejected, while others scramble to secure financing in under two weeks, according to GoGoProp.
The company provides two key services: short-term loans for newly built properties and equity release for existing property owners. Loan terms range from as little as three months up to 12 months, with investors able to borrow up to 65% of a property’s value at a competitive one percent monthly interest. This enables investors to meet developers' deadlines without bank delays or denials.
“We're addressing a multi-billion-dollar gap in property investment,” says Lindvall. “Our innovative, client-first approach makes GoGoProp a compelling opportunity for investors seeking substantial returns.”
Demand has surged not just from Hong Kong but also across Asia, Europe, the Middle East, and Africa. Investors are increasingly drawn to the UK’s stable property market and GoGoProp’s ability to meet tight deadlines with ease.“We’re seeing more demand than we can currently handle,” says Lindvall, who has the company “poised” for expansion “into all global markets”.
The overwhelming demand so far has not gone unnoticed by investors. The startup’s early success has drawn venture capital from Hong Kong, Dubai, Sweden, and England, signaling strong confidence in the GoGoProp mission.
The company's success is powered by cutting-edge data program algorithms that assess borrower risk profiles and automate the loan approval process. This technology enables initial decisions to be made within 24 hours, ensuring investors can act quickly in competitive markets. By eliminating traditional bottlenecks, GoGoProp not only saves time but also provides precision and accessibility for its clients.
With demand surging from across the globe, GoGoProp is addressing a multi-billion-dollar gap in property investment. Its innovative, client-first approach is enabling investors to overcome financing challenges and secure lucrative opportunities. As the company prepares to expand into new global markets, it is poised to redefine property financing and deliver a impact worldwide.
