Business Details
12 Years
experience
Your Trusted Buy-to-Let Mortgage Partner in London
We founded Landbay in 2014 with a vision to transform buy-to-let lending by prioritising customer needs. Our team combines deep market expertise, proprietary data, and cutting-edge technology to deliver specialist mortgage solutions. As a cloud-based platform authorised by the FCA, we've pioneered innovations like Mortgage as a Service and achieved carbon neutrality. With over 3.4 billion in lending and 14,500+ loans completed, we serve brokers and borrowers through transparent processes, fast decisions, and a commitment to ethical practices. Our awards reflect our industry-leading service, including being named Europe's 11th fastest-growing company by the FT. 
Services
Buy-to-Let Mortgages
Product Transfers
HMO Mortgages
MUFB Mortgages
Portfolio Landlord Loans
SPV Mortgages
Auction Finance
New Build Mortgages
Remortgage Solutions
Institutional Funding
Details
- Year established: 2014
Highlights and features
- We deliver instant DIP decisions with expert underwriting support
- Our proprietary technology streamlines mortgage processes end-to-end
- We maintain industry-leading credit performance records
- Our team includes specialists with decades of buy-to-let experience
- We offer transparent pricing with no hidden fees
Associations and certifications
- Financial Conduct Authority
What people say
Instant DIP decisions
Expert underwriting team
Competitive rates
Transparent fees
Specialist HMO support
Services
Buy-to-Let Mortgages
Specialist buy-to-let mortgages for individual and company borrowers. Our products cater to standard properties, HMOs, and MUFBs with competitive LTV options up to 75%. We offer fixed, tracker, and variable rate options with transparent fee structures. Our underwriting team handles complex cases including portfolio landlords and specialist property types.
Product Transfers
Seamless mortgage product transfers for existing borrowers within 90 days of rate expiry. Available with overpayment options and additional borrowing subject to valuation. We offer automated valuations for standard properties and maintain a 0.35% procuration fee with 99 application fee. Physical valuations conducted when required.
HMO Mortgages
Specialist financing for small HMOs requiring at least one applicant with prior landlord experience. Available with 75% LTV and flexible fee structures from 3%. Our underwriters handle complex HMO cases including those with unusual unit configurations and mixed-use properties.
MUFB Mortgages
Dedicated financing solutions for MUFB properties requiring experienced landlord applicants. We offer 75% LTV options with specialist underwriting considerations for property configuration and tenant management. Our team handles complex MUFB structures including mixed-use buildings.
Portfolio Landlord Loans
Tailored mortgage solutions for landlords with multiple properties. Our dedicated team manages complex portfolio structures including SPVs and layered company arrangements. We offer competitive rates for borrowers with up to 15 BTL properties in their portfolio at completion.
People
John Goodall
CEO
John founded Landbay in 2014 with a vision to transform buy-to-let lending. He has driven the company's growth to 3.4+ billion in lending while maintaining industry-leading credit performance. John leads our strategic direction and ESG initiatives.
Adam Cross
Underwriting Team Leader
Adam leads our expert underwriting team, ensuring fast and accurate mortgage decisions. With extensive experience in specialist mortgage products, he focuses on delivering transparent lending solutions for complex buy-to-let cases.
Helen McKinney
Head of Sales - South
Helen manages our southern sales team with 12+ years' experience in mortgage sales. She specialises in helping brokers navigate complex buy-to-let lending requirements while expanding our market presence across southern England.
Ian May
Regional Account Manager
Ian supports brokers across London with specialist buy-to-let expertise. He has 25 years' financial services experience, including 5 years managing underwriting teams to ensure efficient mortgage processing and excellent customer service.
Rahead Hussain
Telephone Business Development Manager
Rahead assists brokers with mortgage criteria and application processes. With 7 years' experience from HSBC and the City, he provides expert guidance on buy-to-let and residential mortgage requirements.
Questions
What is Landbay's product transfer process?
Our product transfer process allows existing borrowers to switch to new mortgage deals within 90 days of rate expiry. Apply online with automated valuation options and overpayment flexibility.
Do you offer HMO mortgages?
Yes, we offer specialist HMO mortgages requiring at least one experienced landlord applicant with 75% LTV options and flexible fee structures.
What are your mortgage rates?
Our rates start from 0.39% + BBR for trackers and 3.49% for fixed rates. Specific pricing depends on property type, LTV, and borrower profile.
How do you value properties?
We use automated valuations by default for standard properties. Physical valuations are required for HMOs, MUFBs, and properties needing detailed assessment.
What fees apply to product transfers?
Product transfers have a 0.35% procuration fee and £99 application fee. Physical valuations incur additional costs borne by the borrower.
Do you lend to portfolio landlords?
Yes, we specialise in portfolio landlord financing with support for up to 15 properties and complex ownership structures including SPVs.
Reviews (7)
Melusi Melo
Dec 10, 2021
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Oct 15, 2021
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Mustafa Yaman
Jul 16, 2021
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Very professional and very timely everything went very smoothly thanks to landbay and my brokers.
Landbay were very quick with the decision making and the underwriters were a delight to deal with .
Landbay were very quick with the decision making and the underwriters were a delight to deal with .
Oreoluwa Olofa
Feb 24, 2021
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S. S.
Nov 17, 2020
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This is the most awful lender you could ever encounter. They were extremely incompetent, unprofessional, and slow. My mortgage application was dragged on for nearly one year and they still kept finding ridiculous excuses to prolong the process, during which I have lost thousands of pounds on legal, valuation, admin etc. In the end I was so fed up I actually found another lender who completed the whole thing within a month. AVOID at all costs!!!
R.
Jan 13, 2020
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Excellent platform for lenders. Can pick up the phone and talk to the team at any point - highly recommended.
Paul Cunningham
May 07, 2019
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Some concept of customer service would be good. The most difficult lender I have ever had the misfortune to use.
