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.
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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?
Is Landbay good for first-time landlords?
What is Landbay's maximum LTV?
How to Apply
Broker only. Landbay products are available through mortgage brokers. Find a broker with Landbay on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.