Key statistics

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

  • £206m+

    Total lending to date
  • 920

    Total mortgages funded
  • £293m+

    Total property value

Geographic mortgage coverage

Greater London 50.75%

South East 23.46%

North West 8.86%

South West 5.42%

East Midlands 2.86%

Yorkshire 2.76%

East Anglia 2.02%

West Midlands 1.78%

Wales 1.64%

North East 0.45%

Peer-to-peer mortgages

Mortgages 738
Average mortgage value £235,156
Average LTV ratio 71.78%
Average rental income vs. mortgage interest repayment 188.44%

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% 0.40%
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