Key statistics

Our loan book and statistics are available to help you make informed investment decisions.

  • £171m+

    Total lending to date
  • 779

    Total mortgages funded
  • £244m+

    Total property value

Geographic mortgage coverage

Greater London 51.69%

South East 19.56%

South West 5.98%

West Midlands 1.15%

East Midlands 2.41%

North West 9.12%

East Anglia 5.76%

Yorkshire 1.90%

North East 0.94%

Wales 1.47%

Peer-to-peer mortgages

Mortgages 569
Average mortgage value £235,137
Average LTV ratio 70.81%
Average rental income vs. mortgage interest repayment 172.34%

Default and arrears rates

We recommend that you seek independent financial advice if you are in any doubt as to whether lending via Landbay is suitable for you. Please note, past performance does not guarantee future performance.

Loans originated in 2014 2015 2016 2017 2018
Actual Arrears (> 45 days)* 0.00% 0.00% 0.00% 0.00% 0.00%
Expected Defaults** 0.10% 0.10% 0.10% 0.10% 0.10%
Actual Defaults*** 0.00% 0.00% 0.00% 0.00% 0.00%

* Actual arrears (as a % of all outstanding balances from loans made in the calendar year of the loan).

** Expected defaults (as a % of all lifetime default rates of amount lent in the calendar year of the loan).

*** Actual defaults (a percentage of the total lent by the platform in the calendar year of the loan).

Fixed rate returns performance

Loans originated in 2014 2015 2016 2017 2018
Actual annual return* 4.25% 4.25% 4.25% 3.63% -
Estimated annual return* 4.25% 4.25% 4.25% 3.63% -
Realised %** 39.88% 1.31% n/a 0.00% -

* %, after fees and bad debts

** principal repaid excluding bad debts

Tracker Rate Returns Performance

Loans originated in 2014 2015 2016 2017 2018
Actual annual return* 3.35% 3.35% 3.35% 2.91% -
Estimated annual return* 3.35% 3.35% 3.35% 2.91% -
Realised %** 49.56% 33.37% 0.00% 0.00% -

* %, after fees and bad debts

** principal repaid excluding bad debts