Landbay is a Great Britain-based P2P loan site that primarily deals with buy-to-let landlords. Landbay's concept is to have a structured borrower-investor loan contract. Their team offers strong due diligence on each of their projects, and all loans have first-ranking mortgages across England and Wales. Financial Conduct Authority #719626 oversees the company under full permits issued on December 22, 2016. The FCA reports to the British government and is allowed to take disciplinary charges against businesses that breach their policies and codes of conduct.

Complete Data

The Interest Rates

Compared to their major rivals, interest rates aren't so high. In reality, Landbay provides an annual return of up to 5%-6%, and it depends heavily on the type of project that the investor would take.

Property Types Listed on Landbay

Generally, Landbay works with England and Wales buy-to-let properties. The key objectives are to raise rent or demand for those properties. In these ventures, investors earn monthly income from their investments paid directly to investment accounts. Note that property sales can take a long time.

Landbay Buyback Guarantee

Sadly, this investment product offers no returns from default loans. At the same time, Landbay has great credibility and brand transparency.

Auto-invest Choice

Landbay does not have an auto-invest option, but Landbay automatically diversifies investor funds through multiple loans. This consequently helps reduce risk in the case of defaulting lenders by ensuring creditors are not exclusively dependent on one loan.

Secondary Market

Secondary market feature lets creditors sell their loans to new investors. It's also a good chance to find a really tempting bid and get a greater return than usual. Also, Landbay states that under ordinary market conditions, the secondary market usually sells loan parts within days.

Benefits, Drawbacks


  • Safe P2P lending site, no defaults in the previous 3 years
  • Auto-invest tool
  • Secondary market
  • Agreements with borrowers straight up
  • The investor's minimum amount is 100 pounds.


  • Low interest rates
  • Tariffs being reduced
  • Secondary market exit could take a few weeks
  • Preferring to work with UK citizens

How Landbay operates and who should invest?

Landbay is available to those 18 or older with a UK residency and a UK bank account. Enterprises can also lend if they have a UK bank account. If you are not a UK citizen or do not have a UK bank account, contact Landbay Customer Department.

How do you begin investing? (Account Opening)

As always, the first step is to open a platform investment account. To open a Landbay account, you must show your personal information (present your email address, phone number, physical address and identification documents (ID card, passport)) to prove your identity. After all these measures, your account is ready, and you can pick your rate and invest on Landbay.

Make the first investment

Upon verifying your status, you have full access to all projects open to funding. When logged in, click "invest option" in the sub-menu. See the list of available deals. The app is really easy to use, so to make your first investment, just click on the product you want and enter the amount you want to invest.

Should you invest?

Landbay looks like a peer-to-peer network, and their statistics attract a lot (no defaults for the last 3 years). Simultaneously, low interest rates are terrifying for investors. Before making your investment, we always suggest visiting our website since you will probably find some alternative platform to suit your investment needs.

Landbay main features and highlights

Bottom line
Landbay is a member of UK Finance, one of eight Peer-to-Peer Finance Association affiliates, approved and controlled by the Financial Conduct Authority.
Fees: 2%
Min Deposit: Β£5000
Target returns: 3.5%
  • Real Estate

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