Earn up to 3.54%* with a peer-to-peer mortgage investment

Landbay offers investors a new way to earn a reliable monthly income by lending against residential buy-to-let properties. Start investing with £100.

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  • Buy-to-let mortgages are historically one of the UK’s best performing asset classes

  • No investment or withdrawal fees

  • Sell your investment at any time, subject to the liquidity of the secondary market

What is Landbay?

What is Landbay?

Landbay is a peer-to-peer investment platform that provides lenders direct access to fund the mortgages of buy-to-let properties in the UK. Anyone can invest from £100 and your funds start earning interest as a lender within 24 hours of receipt of cleared funds, subject to mortgage investments being available.

Investment at a glance

  • Returns

    3.54% pa, fixed rate

    3.03% pa, variable rate

  • Tax liability

    Income tax on earnings

  • Minimum investment


  • Fees

    No fees to invest or withdraw

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?

An investment with Landbay provides reliable and attractive expected monthly returns backed up by the resilient UK rental market, unlike more traditional investments which are often connected to volatile and unpredictable stocks and shares markets.

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    Whilst your money is invested, you will receive monthly interest which can be withdrawn or reinvested.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