Landbay
Specialist LenderLandbay is a specialist buy-to-let-only lender offering competitive products for individual and portfolio landlords. They focus exclusively on the BTL market, using technology and efficient processes to deliver fast, competitive lending decisions for intermediaries.
About Landbay
Landbay was established as a buy-to-let-only lender, focusing exclusively on the BTL market. The lender uses technology and efficient processes to deliver fast, competitive lending decisions. Landbay serves individual landlords and portfolio investors through mortgage intermediaries across the UK.
Landbay's exclusive focus on buy-to-let has allowed the lender to develop deep expertise and streamlined processes. The lender offers competitive rates and has built a reputation for efficient turnaround times. Landbay considers standard BTL, portfolio, and more complex landlord structures.
Landbay is broker-only and works with intermediaries nationwide. The lender has embraced technology to improve the application and underwriting process. Landbay is regulated by the FCA.
Lending Focus
Landbay offers mortgage products across 1 categories including Buy-to-Let.
Key Features
- Exclusive focus on buy-to-let lending
- Competitive rates for standard BTL cases
- Technology-driven fast processing and decisions
- Simple, transparent product range
- Efficient broker portal with quick submissions
Pros & Cons
Pros
- Exclusive BTL focus means deep expertise in landlord lending
- Competitive rates for standard buy-to-let cases
- Technology-driven fast processing and decisions
- Simple, transparent product range that is easy to navigate
Cons
- –Broker-only — cannot apply direct
- –Buy-to-let only — no residential, HMO, or commercial products
- –Does not accept adverse credit
Fees & Charges
- Arrangement Fee
- Typically £995 — varies by product
- Valuation Fee
- Based on property value — usually £200–£1,000
- Early Repayment Charge
- Typically 2–4% during fixed-rate period
- Overpayment Allowance
- Up to 10% per year on most products
Mortgage Rates
Rate data coming soon. View rates on Landbay
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 1–3 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
Does Landbay only do buy-to-let?
Yes, Landbay focuses exclusively on buy-to-let lending. This specialist focus allows them to offer competitive rates and efficient processing for landlord mortgages.
Is Landbay good for first-time landlords?
Yes, Landbay offers products suitable for both first-time and experienced landlords. Their simple product range makes it easy for new landlords to find a suitable mortgage.
What is Landbay's maximum LTV?
Landbay offers up to 80% LTV on buy-to-let products, which is standard for the specialist BTL market.
How to Apply
Broker only. Landbay products are available through mortgage brokers. Find a broker with Landbay on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Aldermore | Residential, Buy-to-Let, Commercial+1 | Specialist | 85% |
| CHL Mortgages | Buy-to-Let, Expat, HMO | Specialist | 80% |
| Fleet Mortgages | Buy-to-Let, Limited Company, HMO+1 | Specialist | 80% |
| Foundation Home Loans | Buy-to-Let, Limited Company, HMO | Specialist | 80% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Buy-to-Let Mortgage Trends: Portfolio Growth Dominates Market
Fleet Mortgages reports a rise in portfolio landlords, indicating strong market commitment despite economic challenges.
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Landlords have complied with MEES regulations but often only made minimal upgrades, raising concerns for the future of rental properties.
Landlords Exit Market: 27% Plan to Leave Amid Reforms
Over a quarter of landlords plan to exit the market due to new reforms, raising concerns about the rental sector’s future.
Landlords Face New Registration Costs Starting December 2026
Landlords face a new £65 annual registration fee starting December 2026, impacting their operating costs and prompting financial reviews.
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