Landbay cannot guarantee that investors will have their capital and interest returned and we want our customers to understand the risks of investments with Landbay as well as the wider investment market.
All loans are secured by first ranking mortgages over buy-to-let properties to conservative loan-to-value levels, and with strong rental income, thus the likelihood of a material loss is considered to be low (default rates for buy-to-let lending are historically lower than any other form of P2P lending). To further mitigate this risk your funds will be diversified across mortgages on buy-to-let properties located in different parts of the country, which reduces the effect of market/geographic risk exposure.
Past performance of loans, including rates of default, should not be viewed as a guide to future performance. To see our full loan book, please visit our Statistics page.