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LandlordInvest

LandlordInvest

Founded in 2014, LandlordInvest created this platform aimed at solving the major issue facing landlords: financing. They combined their passion for real estate investing with technology to evaluate landlords based on their actual performance, not personal credit and in turn giving investors access to asset-backed investments with a monthly income and the opportunity to earn interest between 5–12% per annum. Interest can be serviced, retained or a mix of the two.  If interest is serviced, they will pay interest into the lenders, account once they have received the interest payment from the borrower and deducted the servicing fee. If interest is retained they will pay interest into the lenders account on the interest due date.

The credit rating of the borrower:

They use a credit rating methodology that has been developed using the three C’s: Capacity, Character, and Collateral. Capacity is an affordability test which aims at estimating the total debt service ratio prior to and after debt. Character-based on credit report variables: past credit history, time at present address and time at employment, etc. Collateral, the loan to values of the property to which financing is sought. An independent valuer estimates value.  More information on this subject is found on their website here

Account area

The platform has an easy to use account area where investors can view new opportunities, get an overview of the investment along with the LTV and terms. There is a Q and A area and regular updates on each investment. The account area lets the lender monitor all their investments and payments in one place. LandlordInvest offers two investment products: buy-to-let mortgages (BTL) and bridge loans.

What happens if LandlordInvest goes out of business?

LandlordInvest has established comprehensive arrangements to ensure that all loan arrangements continue to be serviced if they were to go out of business. The Financial Services Compensation Scheme does not cover investments (FSCS). However, any uninvested funds in the LandlordInvest account are protected as the funds are held in a segregated client account with an FSCS eligible bank.

Fees

They do not charge any fees for lending, nor any fees on any uninvested monies. LandlordInvest covers its costs by charging the borrower a servicing fee of up to 5% of the loan amount. The fee is deducted automatically every month when a borrower makes an interest payment.

Secondary Market

The platform operates a secondary market where it enables the investor to sell their loan or loan part. The minimum amount that may be listed for sale is £100. The listing will be displayed for a 14 day period, and other lenders bid to purchase the loan or loan part. There is no guarantee that a loan or loan parts will be sold and is dependent on other lenders wishing to buy the loan. The lender may not sell a loan that is: Late, Overdue, In default, Suspended or has only one interest payment remaining. There is an administration fee of 0.25% on the loan or loan part amount that is sold.

IFISA available


LandlordInvest Products and Investment

    LandlordInvest only provides Buy-to-let Mortgages to professional landlords (no first-time buyers). A wide range of borrowers are considered (corporate, individuals, ex-pats) as long as the property is based in England or Wales. 

    term: 0 - 60 months min. investment: £100 return: up to 5.00%*
    * provided on 16/01/2020

    LandlordInvest provides Bridging Loans to professional landlords and property investors (no first-time buyers/borrowers). A wide range of borrowers are considered (corporate, individuals, ex-pats) as long as the property is based in England or Wales.  Each loan needs to have a clear business purpose and exit strategy – speculative Bridging Loans are not considered.

    term: 0 - 18 months min. investment: £100 return: up to 12.00%*
    * provided on 16/01/2020

Investor Overview

  • Choose between two products Buy-to-let Mortgages and Bridge Loans
  • Earn between 5 - 12%p.a
  • Terms up to 60 months
  • No fees for investing
  • Minimum investment £100
  • IFISA available
  • Secondary market available
  • Not covered by the FSCS
  • * correct as of 07/01/2020


Go to LandlordInvest

£9M
loan book volume

0.00%
default rate

13.97%
average interest rate

£740,741
biggest loan

* correct as of 21/01/2020

info@landlordinvest.com

5 Chancery Lane, London,
WC2A 1LG

0207 4061491

09245725
company number

02/10/2014
incorporated 6 years

  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph