Tax-Free Investments, Regular Returns

Transfer in an existing ISA or invest an annual allowance of up to £20,000, with our Innovative Finance ISA.

  • £240m+

  • 1066

    Mortgages funded
  • £342m+

    Total property value

Why Landbay?

Invest in buy-to-let mortgages

  • Transfer in an unlimited amount from an existing ISA and invest an annual ISA allowance of up to £20,000 in the same year, tax-free
  • Opportunity to access your funds via the secondary market, subject to the availability of secondary investors

Caring for your investment

  • Expert team of underwriters assess the quality of every mortgage application
  • We diversify your funds across multiple mortgages, so your interest does not rely on the repayment of any single one

Dedicated customer support

  • Contact our investment support team via phone, email or live chat

Rates and fees

Set-up and monthly fees FREE
ISA transfer-in fee FREE
ISA transfer-out fee £50
ISA void and repair fee £50
Fixed rate secondary market fee 0.20%+
Minimum initial investment £5,000
Returns are based on current available rates and are not guaranteed.

How it works

In a nutshell

Make more of your money

When you make any investment, our peer-to-peer platform directs your funds into the buy-to-let mortgages of responsible borrowers.

Select your preferred rate and make an investment, via your account.

We divide your investment across multiple buy-to-let mortgages, so that the interest you earn does not rely on the repayment of any single one.

Borrowers make monthly repayments on their Landbay mortgage. Once we receive it, we pay your interest directly into your investment account.

Accessing your money early

Early withdarawl

Accessing your money early

At Landbay, your funds are matched to mortgages for a period of up to 25 years. However, for most of our mortgages, the average expected duration is 4 years.

We understand that, within this time, things can change, meaning you might wish to withdraw your investment early. That's why we provide you with the opportunity to sell your investment on the secondary market, subject to the availability of secondary investors. As an estimate, this typically takes a few weeks. However, please note we cannot guarantee that we will always be able to sell your investment. There may be a small fee associated with Fixed rate investments. Click here to find out more.

Minimising risk

Transferring your ISA

Transfer ISA

Transferring your ISA

Transfer in your existing ISA by filling out the online form in your Landbay account.

There is no upper limit on the amount you can transfer and we’ll contact your ISA manager on your behalf, so that you do the minimum.

Investment calculator

Select your investment amount and preferred rate to work out how much you could earn.

I want to invest:

Your capital is at risk. All calculated returns are based on current available rates, assuming that all interest earned is auto-reinvested and are not guaranteed predictions of interest repayments.
  • Zoopla

    Strategic partnership with Zoopla

  • FCA

    Authorised and regulated by
    the Financial Conduct Authority

  • P2PFA

    Member of the Peer‐to‐Peer Finance
    Association (P2PFA)

  • UK Finance

    Member of UK Finance

Open your Innovative Finance ISA

  • Open account

Open your investment account

Getting your ISA begins with opening a Landbay classic investment account. We require your bank and personal details to verify your identity as part of our regulatory obligations.

ISA agreement

Select ‘Innovative Finance ISA’ within your classic account. We require your National Insurance number and agreement to abide by our IFISA terms and conditions.

Select your rate

Choose the rate at which you want to invest and enter your preferred investment amount.

Make your investment

Complete your investment by making a Visa debit card payment online or by transferring funds from your bank account. We never store your card details.

Earn interest within 24 hours

You’ll begin earning interest within 24 hours of your funds being matched to a mortgage. This will be paid monthly, direct to your investment account. Choose whether to withdraw your interest or automatically re-invest it to benefit from compounding.

Open your account with Landbay
Accept Landbay terms
Choose your rate with Landbay
Make your investment with Landbay
Earn interest with Landbay