Investors

Investor Accounts

• Who can invest with Landbay?
• What should you consider before investing?
• Can I invest with Landbay if I am not a UK resident?
• What is the difference between the Landbay Classic Investment Account and an Innovative Finance ISA?
• How can I close my account?
• What should I do if I forget my password and PIN?
See all 9 articles

Investments

• How do I make an investment?
• Is there a minimum/maximum investment amount?
• What are queued investments?
• If my funds are in the queued investments section, are they earning interest?
• How do I withdraw funds on the investment queue?
• How are Landbay loans structured for investors?
See all 11 articles

Protection & Diversification

• What are the risks of investing?
• What steps do you take to protect my money?
• Does Landbay guarantee my loans?
• Is my loan protected by the FSCS deposit guarantee scheme?
• Who manages the settlement process with the borrower?

Interest Payments

• Why have I not received interest?
• When is interest paid and how is it calculated?
• If I choose to auto‐reinvest interest, where will it go?
• Am I liable for tax on the interest I receive?
• How is the interest rate for the Tracker Rate calculated, using LIBOR?

Innovative Finance ISA (IFISA)

• How do I transfer funds from my Classic Account to my ISA account?
• What is the PSA (Personal Savings Allowance)?
• What is an IFISA (Innovative Finance ISA)?
• How much can I invest in the Landbay Innovative Finance ISA?
• Is there a minimum deposit level for the Landbay Innovative Finance ISA?
• Do I need to report my Innovative Finance ISA interest on my tax return?
See all 15 articles

Withdrawals

• How do I sell my loan parts and what happens when I do?
• What is the secondary market and how does it work?
• Can I access my money at any time?
• How do I withdraw my cash balance to my bank account?
• When will my investment be returned to me?
• What are the fees for the Fixed Rate product?