Landbay is a specialist buy-to-let mortgage lender designed for professional landlords and property investors. They do not offer residential mortgages for buying your own home.
They are a modern, technology-driven lender that combines a fast, efficient process with expert underwriting for complex buy-to-let scenarios.
Important Note: Landbay is an intermediary-only lender. You can only access their mortgages through a qualified mortgage broker.
If you want to see how their rates compare to the rest of the buy-to-let market, you can use our free mortgage-sourcing tool below:
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Who are Landbay?
Think of Landbay as a modern, digital-first lending partner for the serious property investor. They use a sophisticated technology platform to provide quick decisions and a smooth application process for mortgage brokers.
While their process is tech-savvy, they are still a specialist lender at heart. They use human underwriters to assess complex applications, allowing them to take a common-sense view of a landlord's portfolio and the types of properties they invest in. They are funded by institutional investors, giving them a stable and secure platform for their lending.
What are they known for?
Landbay has built a strong reputation in the broker community by focusing entirely on the buy-to-let market. They are known for their expertise in several key areas.
A Broad Buy-to-Let Appetite
They cater for the needs of the modern landlord with a wide range of products:
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Limited Company (SPV) Lending: A core part of their business is lending to landlords who operate through a corporate structure.
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HMOs and MUFBs: They are very experienced in financing Houses in Multiple Occupation (HMOs) and Multi-Unit Freehold Blocks (MUFBs).
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First-Time Landlords: Unlike some specialist lenders, they are happy to consider applications from first-time landlords.
Green Mortgages for Landlords
Landbay is a market leader in providing "Green Mortgages." These products offer a lower interest rate to landlords whose properties have a good Energy Performance Certificate (EPC) rating of A, B, or C. This is a major incentive for landlords to invest in more energy-efficient properties, which are becoming increasingly important due to government regulations.
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We work with 90+ UK mortgage lenders, including Landbay. You can use our service to compare mortgage rates from across the market to find the right deal.
Our mortgage sourcing tool is FREE and will show you the latest deals from Landbay and others so you can make an informed decision about which to choose.
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Pros and Cons of a Landbay Mortgage
Pros:
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Buy-to-Let Specialists: Their entire focus is on the BTL market, so they have deep expertise.
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Competitive Green Mortgages: Market-leading rates for energy-efficient properties.
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Tech-Driven Efficiency: Their modern platform means a fast and smooth process for brokers.
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Wide Product Range: They cater for everything from first-time landlords to professional investors with large HMOs.
Cons:
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Buy-to-Let Only: You cannot get a residential mortgage to buy the home you live in.
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Broker-Only Access: You cannot apply directly and must use a mortgage adviser.
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Not for Very Complex Cases: While a specialist, they are not typically the right lender for borrowers with adverse credit histories. Their focus is more on complex properties than complex personal circumstances.
How to apply
You cannot apply directly to Landbay.