Invest in Buy-to-Let

Landbay peer-to-peer investments offer investors a new way of earning a regular monthly income, by funding buy-to-let mortgages.

Invest now
  • Invest directly into buy-to-let mortgages (capital at risk)

  • Regular monthly returns

  • No-hassle access to sell your investment at any time (subject to Landbay’s ability to reallocate your invested loan parts)

What is Landbay?

What is Landbay?

Landbay is a specialist buy-to-let mortgage lender. We use our Peer-to-Peer (P2P) technology to channel your investment directly into the buy-to-let mortgages of borrowers. Landbay has opened a previously inaccessible buy-to-let market to welcome direct funding in exchange for property-backed monthly returns.

Investment at a glance

  • Expected returns

    3.54% annualised, fixed rate*

    3.15% annualised variable rate

  • Minimum investment

    Invest from £100

  • Fees

    Zero investment or withdrawal fees

  • Frequency

    Earn regular monthly returns

*Your capital is at risk. Expected annualised rate assuming auto reinvestment of all interest over a 1 year period

Landbay is fully authorised and regulated by the Financial Conduct Authority (Firm no. 719626). Landbay is not covered by the Financial Services Compensation Scheme. All promotions in respect of Landbay on the Zoopla website have been approved by Landbay. Your capital is at risk.
Why invest in mortgages

Why Invest in Mortgages?

Unlike traditional stocks and shares, Landbay investments give you the comfort of monthly returns, without the unpredictably of the market.

Landbay’s expert team are experienced in selecting the best mortgage investments, so all you need to do is choose the rate at which to invest.

How does it work?

  1. 1

    Create your account

    Create your account

    Set up a free investment account and invest from as little as £100.

  2. 2

    Your investment is diversified

    Your investment is diversified

    Landbay automatically spreads your investment across multiple buy-to-let mortgages which are loaned to creditworthy landlords. Diversification ensures your investment is not reliant upon any one loan.

  3. 3

    Earn interest

    Earn interest

    Whilst your money is invested, you will receive monthly interest which can be withdrawn or reinvested.

*Your simple rate of interest is 3.49% pa. The total rate equals 3.54% annualised assuming auto reinvestment of all interest over a 1 year period. Your rate of interest could be fixed for a period of up to 5 years before you automatically switch to a variable rate. The time period of your fixed rate may vary depending on the loans your investment is allocated to, read more here.

Transparent Investing

Landbay believes in creating a more transparent financial services industry, the entire loan book is published online to view at any time.

View Landbay's loan book and statistics

Protecting your investment

The performance of UK buy-to-let mortgages has demonstrated resilience through economic cycles. During the 2008 Global Financial Crisis the rental market was largely unaffected by movements in residential house prices. Where house prices fell by 17.4%, buy-to-let mortgages continued to generate stable monthly income with negligible repossessions or defaults across the sector (source: Council of Mortgage Lenders).

Whilst the asset class is resilient and Landbay’s underwriting criteria rigorous, sometimes unforeseen circumstances can occur, and so they set aside a Reserve Fund to help protect your investment. The Reserve Fund operates on a discretionary basis and does not guarantee that a claim will be approved, nor that there will be sufficient funds available at any given time.

Landbay is authorised and regulated by the FCA; peer‐to‐peer lending is not covered by the FSCS. Your capital is at risk.