What LANDBAY does

Landbay Partners Limited is a UK-regulated specialist buy-to-let (BTL) mortgage lender operating exclusively in England, Wales, and Scotland. Founded in 2014 and headquartered in London, the company originates mortgage loans through a B2B2C go-to-market, distributed entirely via FCA-registered mortgage brokers who use Landbay's digital Broker Portal to submit applications, obtain instant Decisions in Principle (DIP) in seconds, and manage cases end-to-end. Landbay serves three primary customer cohorts: intermediaries (broker distribution channel), BTL borrowers (professional landlords, including individuals, partnerships, SPVs/trading companies, and portfolio landlords), and institutional funding partners (retail banks, investment banks, asset managers, and insurance companies) that provide capital for origination.

Its technology stack centers on a fully online origination and servicing platform, including a broker portal with instant DIP, automated valuation models (AVM) that bypass physical valuations for eligible properties, a BTL affordability calculator, and a digital product-transfer workflow for existing borrowers. The product set spans standard fixed- and tracker-rate BTL mortgages, AVM-enabled products, multi-unit freehold blocks (up to 12 units), HMOs (up to 12 beds), trading company products, and holiday let products; the company also retains legacy P2P investment and IFISA accounts in run-off from its earlier peer-to-peer operating model.

Landbay monetizes through mortgage interest income on its book plus transaction-based fees: a £199 application/admin fee, a £99 product-transfer fee, and valuation-related charges (AVM valuations are free for eligible product transfers). Loan servicing is delegated to Link Group's Asset Services division, and conveyancing is integrated through partners such as Conveyd and McHale & Co. The company has cumulatively originated more than £4 billion in BTL lending across 19,000+ loans and has won multiple 2024 UK industry awards including Financial Reporter Best Buy-to-Let Lender, BMA Best Service from a Buy-to-Mortgage Provider, and CLA Buy-to-Let Lender of the Year.

Name

LANDBAY

Legal name

Landbay Partners Limited

Website

https://landbay.co.uk

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

Landbay is a UK-regulated specialist buy-to-let mortgage lender that originates BTL loans exclusively through FCA-registered mortgage brokers using a digital Broker Portal, funding origination via institutional capital partners and serving professional landlords across England, Wales, and Scotland.

Ownership category

akta.pro rank

Product category

Specialist Buy-to-Let Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Consumer Direct / Online Mortgage Origination (FSALAAAB)

akta.pro secondary industries

Warehouse Lending / Mortgage Warehouse Facilities (FSALACAI), Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

Keywords

• Buy-to-let mortgages
• Specialist mortgage lending
• Broker portal
• Property finance
• Automated valuation

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Mortgage Interest Income: As a buy-to-let mortgage lender, Landbay earns interest income on the mortgages originated and held. They originate mortgages for their own book and for institutional funding partners.
2. Origination and Processing Fees: Application fees (£199 admin fee), valuation fees, and product transfer fees (£99) charged during the mortgage application and transfer process.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

LANDBAY is a UK specialist buy-to-let (BTL) mortgage lender that originates BTL mortgages via a 100% online processing model. It serves three customer groups — intermediaries (mortgage brokers), buy-to-let borrowers, and institutional funders — through a dedicated broker portal, instant Decision-in-Principle (DIP) decisions powered by an Automated Valuation Model (AVM), and a range of specialist BTL products covering standard BTL, HMO, multi-unit freehold blocks (MUFB), trading company, and holiday lets.

Product overview

Landbay is a UK-regulated buy-to-let mortgage lender offering a portfolio of specialist lending products through a digital-first platform. The core offering consists of fixed-rate and tracker-rate mortgages across multiple property types: standard BTL, AVM-enabled products, HMO/MUFB specialist products, holiday lets, and trading company products. The company serves three primary customer segments: intermediaries (via the Broker Portal), borrowers (individual and corporate landlords), and institutional funding partners. Supporting infrastructure includes a digital application and case management platform, affordability calculator, and product transfer functionality. The company also maintains legacy P2P investment accounts and IFISA products from its earlier operations. Key differentiators include 100% online processing, instant Decision in Principle, and specialized products for portfolio landlords and limited companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Standard Buy-to-Let Mortgage A specialist BTL mortgage for individual landlords purchasing or remortgaging standard residential investment property in the UK, underwritten by LANDBAY's specialist BTL team and originated via the broker portal.
• AVM Buy-to-Let Mortgage A specialist BTL mortgage for standard residential investment property underwritten using LANDBAY's Automated Valuation Model (AVM), enabling instant Decision-in-Principle decisions without a physical valuation.
• HMO Buy-to-Let Mortgage A specialist BTL mortgage for Houses in Multiple Occupation (HMO), targeting landlords operating multi-tenant rental properties that mainstream lenders typically underwrite reluctantly.
• MUFB Buy-to-Let Mortgage A specialist BTL mortgage for Multi-Unit Freehold Block (MUFB) properties, supporting landlords owning blocks of flats held under a single freehold title.
• Trading Company Buy-to-Let Mortgage A specialist BTL mortgage structured for landlords borrowing via a limited company (trading company / SPV), addressing the post-2017 tax-driven shift of BTL borrowing into corporate vehicles.
• Holiday Let Buy-to-Let Mortgage A specialist BTL mortgage for furnished holiday let properties, underwritten on short-let rental income rather than standard assured-shorthold tenancy assumptions.
• Product Transfers A retention offering that allows existing LANDBAY BTL borrowers to switch to a new product without undergoing a full remortgage, processed through the broker portal.
• LANDBAY Broker Portal A dedicated online intermediary platform at broker.landbay.com that allows UK mortgage brokers to obtain instant DIPs, submit specialist BTL cases, access lending criteria and fee schedules, and track pipeline status for standard, AVM, HMO, MUFB, trading company and holiday let products.

Quantifiable outcome

• Instant DIP decisions in seconds
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Asset Services (Link Group)coreTechnology or IntegrationLink Group's Asset Services division manages Landbay mortgages, handling mortgage administration, distribution of interest payments to investors, and customer servicing. Contact: 033 00 536 825 or [email protected]
• McHale & CominorImplementation/ SI/ Consulting PartnerAppointed solicitor firm for Landbay's assisted legal conveyancing services. McHale & Co act as the solicitor of record for borrowers choosing fixed-fee conveyancing options.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Aldermore Bank: UK challenger bank with a sizeable buy-to-let mortgage franchise targeting portfolio and professional landlords. Closely comparable in customer segment and product type to Landbay, with broader deposit-taking and commercial lending operations.
• Foundation Home Loans: UK specialist mortgage lender focused on buy-to-let, complex buy-to-let, and residential lending distributed via intermediaries. Closely comparable to Landbay in specialist BTL positioning and broker-led model.
• Precise Mortgages: Specialist UK mortgage lender (part of OSB Group) offering BTL, residential, and bridging products through intermediaries. Comparable to Landbay in specialist-segment focus and broker distribution model.
• Together Money: UK specialist lender offering buy-to-let, bridging, and complex property finance through intermediaries. Comparable to Landbay in targeting non-standard, complex, and professional landlord cases.
• Fleet Mortgages: UK specialist buy-to-let-only mortgage lender distributing exclusively through mortgage intermediaries. Direct peer to Landbay with a near-identical target customer (professional and portfolio landlords) and product focus.
• Paragon Bank: Established UK specialist buy-to-let mortgage lender with a multi-billion-pound BTL book. Directly comparable to Landbay in target customer (professional landlords) and product focus, but at significantly larger scale and as a regulated bank.
• Kent Reliance (OSB Group): Specialist BTL and residential mortgage lender under the OneSavings Bank Group. Directly comparable specialist lender targeting complex landlord cases via broker distribution, operating at materially larger scale than Landbay.

Emerging players

• Habito: UK digital mortgage broker and lender with online-first mortgage applications. Comparable to Landbay in digital-first mortgage UX, though Habito is more retail-residential focused with limited BTL specialist depth.
• Atom Bank: UK digital challenger bank offering residential and buy-to-let mortgages via intermediaries. Comparable to Landbay in digital-first delivery and BTL product offering, but operates with full banking licence and broader deposit franchise.

Broad incumbents

• BM Solutions: Buy-to-let subsidiary of Lloyds Banking Group, one of the largest BTL originators in the UK. Comparable in product category but operates as a broad-incumbent scaled lender rather than a specialist, serving more vanilla landlord profiles.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/landbay
• Xx.com/LandbayUK
• Facebookfacebook.com/LandbayUK

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds16 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LANDBAY