How Valvest Works

Investing in real estate used to be hard and complicated.

At Valvest, our mission is to make real estate investing accessible to everyone. Therefore, we have simplified the many and often complex steps involved with investing in real estate, lowering the barriers of entry to make it easy for anyone to start growing their wealth through real estate.

A radical new way of investing

Investing in real estate can be incredibly complex and time-consuming, even for those with experience. Market research and finding the right project can take up a large chunk of your time, with no guarantee that it will ever pay back the desired return you have in mind. And that’s just the beginning—unexpected issues can pop up any time during renovations or while managing the property, with nobody to fall back on.

Valvest has radically simplified this, making it easy for anyone to start investing via its simple and accessible method.

The Old Way of Real Estate Investing

1. Begin with market research
2. Find a suiting property
3. Search for a suitable lender and wait for loan approval
4. Evaluate the properties potential return
5. Submit an offer and wait for an offer
6. If the offer is accepted, handle the down payment
7. Wait until the transaction is completed.
8. Handle insurances
9. Potentially go through a complete renovation to maximize returns
10. Get the necessary licenses to be allowed to rent out
11. Draft and sign the rental agreement
12. Handle security deposits
13. Maintain the property management (heating issues, renter questions etc.)
14. Keep up with accounting
15. File the right taxes every year

Real estate investors have to go through everything mentioned above, before they are able to access any of the promised returns a property may yield.

The Valvest Way to Invest in Real Estate

With Valvest, you can easily browse our expert curated projects, choose your investment amount, and invest within minutes. Here’s a simple guide to get started:

1. Discover our listings

Start your investment journey with Valvest by browsing our curated range of unique real estate projects.

2. Invest in a project

Read all the documents and information about the project you wish to invest in, sign the digital agreement and transfer the investment amount that suits your budget. You can already start investing from €100, so its for everyone!

3. Receive rental income

Let your investment do the work while you receive your fixed annual returns monthly, without lifting a finger. We take care of the rest.

Unlock Fixed and Stable Returns

We provide a fixed return rate for each project, ensuring that investors know what to expect without worrying about capital fluctuations resulting in lower capital gains then expected.

To enhance your experience and total return, we pay out the annual interest in monthly payments, enabling you to reinvest and grow your earnings through compounded interest.

Let Professionals Handle the Rest

Investing in real estate should be simple, not feel like a second day job. At Valvest, we take care of every aspect, allowing you to sit back and enjoy the ride. From sourcing, overseeing renovations to renting it out on platforms like Airbnb, Booking, or for long-term stays. This approach keeps the costs low and ensures we maintain complete control over the properties and their quality.

Choose Your Investment

At Valvest, we believe that everyone should have the opportunity to invest in real estate. That’s why we offer flexible investment options starting from just €100, up to €100.000.

Investors always have direct access to their Valvest Wallet, making it easy to reinvest their returns in new projects or withdraw funds at any time.

Top Projects Selected by Experts

With over a decade of real estate experience and a proven data-driven analysis strategy, we calculate the maximum expected return before sourcing and presenting a project to our investors.

This thorough approach guarantees that every project we present is of the highest quality and delivers a steady stream of returns after we renovate it into premium rental apartments.

1. Use data science to analyse all kinds of cities and neighbourhoods in Europe.
2. Identify markets with the strongest cash flows and best appreciation potential
3. Decide on an investing strategy and pick the preferred type of home attributes
4. Find the perfect property that meets our many criteria
5. Present the project to our founders for an extensive check
6. Purchase the project

Robust package of securities

We don’t just make promises, we back them up with a robust package of securities, designed to protect your investment against market fluctuations.

1. First right of mortgage

If no bank is involved in the financing, our investors hold the first right of mortgage via our foundation. In case of a default, this allows the foundation to sell the property and repay investors first.

2. Pledge on rental income

During a default, it can take some time for the property to be sold. Hence, you as investor also receive the pledge of rental income via our foundation to keep paying your promised returns.

3. Conservative loan-to-value ratio

If a project needs to be sold during a housing downturn, which could lower its value, we have a 20% buffer created by the renovations we’ve done. This buffer provides additional protection for your investment and is first affected before it hurts your investment.

Strict regulations

Companies that raise funds must follow strict regulations. While Valvest is currently operating under a prospectus exception, we are in the process of preparing a prospectus. This document will be regulated by the Dutch Financial Authority (AFM). On the project pages, you'll find information about how we structure the securities to ensure the best protection for your returns.