What Lendlord does

Lendlord is a UK-based property investment and portfolio management SaaS platform founded in 2019, serving individual landlords and property investors. The company combines property sourcing, deal analysis (covering Buy-to-Let, Flip, and BRRR strategies), portfolio management, tenancy management, cash flow tracking, and access to financial products (digital bridging loans and mortgage brokerage) within a single integrated platform. The technology stack is cloud-based and incorporates open banking integrations through Plaid and Salt Edge for automated income and expense reconciliation, plus AI-powered property sourcing capabilities introduced via Lendlord AI in 2024. The platform also includes proprietary data assets such as an HMO dataset covering 1,158 properties across 12 UK regions and landlord sentiment survey data drawn from its 75,000+ user community.

Lendlord generates revenue through four primary streams: premium subscriptions (Lendlord Pro at £99/year or £12/month), digital bridging finance arrangement fees and interest (up to 75% LTV), mortgage broker fees via Lendlord Finance Limited (an Appointed Representative of Windfall Limited), and insurance referral commissions through Lendlord Protect (partnered with Alan Boswell Group). The business operates a freemium go-to-market model with free core functionality and premium upsells, supported by content marketing (blog, calculators, SEO), social media presence across six platforms, and industry expert consultations. Geographic focus is primarily the United Kingdom, with recently launched US and Canada market versions.

The company is FCA-regulated as an agent of Salt Edge (FRN 1058269) and Plaid for payment services, and operates mortgage brokerage under Lendlord Finance Limited (FRN 970835). It is privately held with no disclosed institutional funding, suggesting founder-led or bootstrapped capital structure. Headcount is reported as 11–50 employees, indicating an early-growth stage operating profile.

Name

Lendlord

Legal name

Lendlord Limited

Website

https://lendlord.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Lendlord is a UK-based SaaS platform serving landlords and property investors with integrated tools for property sourcing, deal analysis, portfolio management, tenancy tracking, and access to digital bridging finance and mortgages.

Ownership category

akta.pro rank

Product category

Property Investment Portfolio Management Software

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292), Nondepository Credit Intermediation (5222), Portfolio Management and Investment Advice (523940)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Investment Advice (6282)

akta.pro primary industry

Property Valuation: Appraisal Management (AMC) & Appraiser Networks (FSALALAI)

akta.pro secondary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Property portfolio management
• Buy-to-let analysis
• Landlord software
• Digital bridging finance
• Mortgage brokerage platform

Headquarters

HQ city

Wembley

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Premium Subscription (Lendlord Pro): Core revenue stream from annual/monthly subscription tiers. Free tier provides basic functionality while premium tier (£99/year or £12/month) unlocks unlimited bank accounts, enhanced property due diligence, automated bookkeeping, unlimited postcode searches, and document storage. Premium includes £150 broker fee discount, £150 bridging arrangement discount, 10% insurance cashback, and 5 free tenant reference checks.
2. Digital Bridging Finance: Lendlord acts as a digital bridging lender offering bridging finance to its user base. Revenue generated from arrangement fees and interest on bridging loans. Offers up to 75% LTV bridging finance with no credit scoring requirement.
3. Digital Mortgage Broker: Lendlord Finance Limited (FRN 970835) operates as an Appointed Representative of Windfall Limited providing online mortgage broker services. Revenue from broker fees on completed mortgage applications.
4. Insurance Referral (Lendlord Protect): Referral partnerships with insurance providers including Alan Boswell Group. Earns referral commissions on landlord insurance policies, with 10% cashback paid to users upon completion.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Lendlord is a cloud-based property investment and portfolio management SaaS platform that helps UK landlords and property investors source properties, analyze deals (Buy-to-Let, Flip, BRRR), manage portfolios and tenancies, track cash flow with open banking reconciliation, and access bridging finance and mortgage products. The platform is delivered via a freemium model with a premium subscription and is complemented by integrated digital lending, mortgage broking, and insurance referral services.

Product overview

Lendlord is a modular portfolio management and property investment platform offering a unified ecosystem of tools organized into three core pillars: Invest (property sourcing and deal analysis), Manage (portfolio management and tenancies), and Finance (mortgages and bridging). The platform combines core modules like Property Sourcing, Deal Analyser, Portfolio Management, Tenancy Manager, Cash Flow Tracking, Mortgages, and Bridging Finance with specialized add-on tools including Lendlord AI (AI-powered sourcing), Open Banking (Plaid integration), Making Tax Digital, Invoice Generator, Agent Finder, Stamp Duty Calculator, and various property calculators (BTL, Flip, BRRR, Bridging Loan). The platform is free for core functionality with a Premium tier at £99/year unlocking unlimited bank accounts, automated expense mapping, enhanced property due diligence, and broker fee discounts. Lendlord also provides data tools like Postcode Information, HMO Data, and Renters Rights Bill news updates.

Differentiator

Problem solved

Functional benefit

Products and services

• Property Sourcing Discovery tool for UK landlords and property investors to find profitable properties listed at auctions and through estate agents, with watchlists and sourcing alerts.
• Deal Analyser Investment analysis tool that evaluates property deals across Buy-to-Let, Flip, and BRRR strategies with comprehensive deal metrics for UK property investors.
• Portfolio Management Centralized portfolio management tool that lets UK landlords track performance metrics, organize documents, and receive compliance reminders for mortgage expiries, insurance, EPC, gas safety, EICR, and tenancies.
• Tenancy Manager Tenancy administration tool that monitors rent payments, automates rent collection reminders, manages tenant references, and supports tenant communications for UK landlords.
• Cash Flow Tracking Per-property and portfolio-level income and expenditure tracking that generates financial reports and supports Making Tax Digital compliant bookkeeping for property investors.
• Digital Mortgage Broker Online mortgage brokerage for UK property investors applying for Buy-to-Let mortgages, provided by Lendlord Finance Limited (FRN 970835) as Appointed Representative of Windfall Limited, with digital application and personal service.
• Digital Bridging Finance Direct digital bridging lending product offered by Lendlord, providing UK property investors with bridging finance up to 75% LTV, online application, 3-minute decision capability, and no credit scoring requirement.
• Lendlord AI AI-powered property sourcing capability that uses artificial intelligence to discover profitable UK properties from auctions and agents, generating analysis reports and sourcing recommendations for property investors.
• Lendlord Protect Landlord insurance and rent guarantee product offered via partnership with Alan Boswell Group, delivering competitive landlord insurance quotes with 10% cashback to premium members and automated renewal reminders.

Quantifiable outcome

• 75,000+ landlords trust the platform for portfolio management
• +4 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core, strategic and minor.

• Plaid Financial Ltd.coreTechnology or IntegrationPlaid Financial Ltd. provides regulated account information services as an authorised payment institution regulated by the Financial Conduct Authority (Firm Reference Number: 804718). Lendlord uses Plaid's open banking infrastructure to provide payment services including account information services to users.
• Salt Edge LimitedcoreTechnology or IntegrationSalt Edge Limited is registered by the FCA (Firm Reference Number: 822499) and provides regulated account information services under the Payment Services Regulations 2017. Lendlord Limited is registered as an agent of Salt Edge (FRN: 1058269) for providing payment services and account information services.
• Windfall LimitedcoreTechnology or IntegrationWindfall Limited is authorised and regulated by the FCA and Lendlord Finance Limited (FRN 970835) operates as an Appointed Representative of Windfall Limited for providing digital mortgage brokerage services.
• Alan Boswell GroupstrategicGTM or Marketing PartnerAlan Boswell Group provides landlord insurance products through the Lendlord Protect platform. Premium members receive 10% cashback as a discount upon completion on policies issued by Alan Boswell via Lendlord.
• FeefominorGTM or Marketing PartnerFeefo provides verified review data for the Agent Finder feature, sourcing reviews from the platform's lettings and estate agent database.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Landlord Vision: UK landlord SaaS for portfolio accounting, MTD tax filing, and property management. Directly competes with Lendlord Manage on the same UK portfolio-landlord segment with overlapping bookkeeping and compliance functionality.
• Arthur Online: Established UK property management SaaS serving landlords, agents, and blocks with rent collection, maintenance, and accounting. Overlaps with Lendlord's Manage pillar and serves a similar SMB landlord customer.
• PayProp: UK-focused rental payment and reconciliation platform for letting agents and portfolio landlords. Directly competes on automated rent collection, bank reconciliation, and landlord accounting — core to Lendlord Manage.
• Habito: UK digital mortgage broker and lending platform. Overlaps with Lendlord Finance on buy-to-let mortgage discovery and application, competing for the same landlord customer at the financing stage of the property investment journey.
• Trussle: UK online mortgage broker focused on residential and buy-to-let products. Comparable digital mortgage brokerage functionality to Lendlord Finance's appointed-representative offering via Windfall Limited.

Regional players

• Stessa: US-focused landlord SaaS for portfolio tracking, accounting, and rental income analytics. Comparable product surface to Lendlord Manage but US-only — most relevant given Lendlord's announced US expansion plans.

Emerging players

• Baselane: US banking and rent collection platform for individual landlords. Overlaps with Lendlord on open-banking-powered rent collection and bookkeeping for small-portfolio landlords in the US market Lendlord is entering.
• RentMan: Property management platform with tenant and maintenance workflows. Partial overlap with Lendlord's tenancy management and rent collection modules for SMB landlords.

Broad incumbents

• Sage: Dominant UK SMB accounting platform. Competes on landlord bookkeeping and MTD compliance — adjacent to Lendlord Manage — and could bundle property-specific features into its broader accounting stack.

Others

• Open Banking Ltd (ecosystem): UK open banking infrastructure. Lendlord's reconciliation and payment features depend on this ecosystem; relevant as an enabling layer and potential new-entrant threat as bank-direct APIs mature.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Lendlord3
• YouTubeyoutube.com/@lendlord8648
• Facebookfacebook.com/lendlord.io
• LinkedInlinkedin.com/company/lendlord
• Instagraminstagram.com/lendlordapp
• TikToktiktok.com/@lendlord_uk

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Lendlord