In the vast majority of property lending, a high street bank uses funds from customers’ deposit accounts to finance residential mortgages. Banks choose to whom they lend and on what terms, and will separately set interest rates on deposit accounts. Simply speaking, their payment for arranging and managing this is the difference (or the “interest spread”) between the rate that borrowers pay and the rate that investors receive. The borrower will also commonly be charged an arrangement fee for the loan. The same basic business model is at play on peer-to-peer (P2P) platforms - the platform charge ..read more

With the new year now fully underway, and the self assessment deadline now thankfully in the rear view mirror, we consider what 2024 has in store for peer-to-peer lending and the broader property finance industry. Incorporated in 2014, LandlordInvest turns 10 years old later this year. World events have treated us to an interesting ride but we’re as excited as ever for the next 10 years. First, let’s take a look back at 2022/2023 2022 2023 Average rate 9.52% 10.29% Average LTV 63.98% 52.46% Source: LandlordInvest The rate paid to investors rose by 8.09% last year, as would be exp ..read more

We will remain open for the duration of the Christmas break, excluding bank holidays, if you need to contact us please call 0207 406 1491 or email at investor@landlordinvest.com Christmas Eve Closed Christmas Day Closed Boxing Day Closed 27 December 12:00 - 16:00pm 28 December 12:00 - 16:00pm 29 December 12:00 - 16:00pm 31 December Closed 1 January Closed We open for normal service on Tuesday 2 January. Our blogs are for information purposes only. This content is not financial, legal or tax advice. Should you require any advice in relation to the earnings you make from Land ..read more

Deals are the lifeblood of a marketplace lending business like LandlordInvest and there is a lot of work that goes into each deal to take it from a borrower’s initial financing requirement, to getting funded, and ultimately being repaid. Enquiries It all starts when a borrower or an intermediary acting on their behalf reaches out to us with a requirement. Direct borrowers often find us via Google, LinkedIn, social media, industry press, or a personal referral from someone who has previously done business with us. We also do a notable amount of repeat business with existing satisfied borrowers ..read more

At LandlordInvest we’re very proud of our technology and the user experience (UX) that we offer lenders. We’ve been making constant improvements to the features, appearance and performance of our platform since the first release in 2017. Regular readers of this blog will have seen numerous updates about improvements over the years. Today we’ll be providing a guided tour of our investment platform, so potential lenders who have yet to sign up can easily take a look for themselves. Below we’ll show the platform as it would be seen by a lender who has already signed up and completed the onboardin ..read more

A lot has happened in peer-to-peer (P2P) property lending’s relatively short history. Some platforms have ceased trading, others have retargeted their offerings, and there are many new entrants to the market. This post aims to provide an in-depth guide on how to analyse the platforms on offer and hopefully inspire you to take your personal due diligence to the next level. Let’s get the obvious things out of the way first: In the UK, the platform must be regulated by the FCA or be an appointed representative (AR) of an FCA authorised firm. Do extra due diligence if you are considering lending ..read more

Since March 2017 LandlordInvest has completed a total of 106 loans (including tranches of the same loan) with a value of £17,281,903. To date 70 have been repaid in full and 36 are currently active. A lot takes place behind the scenes to deliver these headline statistics. 286,312 unique transactions, for example. Perhaps unsurprisingly, Mondays are the busiest day of the week for transactions being processed at LandlordInvest with 31.4% of all historic transactions having been processed on a Monday. Monday 31.4% Tuesday 17.4% Wednesday 16.4% Thursday 16.2% Friday 16.8% Sa ..read more

Following the interest in our previous comparison of Cash ISAs and LandlordInvest’s Innovative Finance ISA (IFISA), this post will focus on what a long-term investor could earn when investing £20,000 - an investors full ISA allowance in the 2023/24 tax year - through IFISAs offered by LandlordInvest and a variety of other popular peer-to-peer platforms. Investors who take a long view stand to reap disproportionately more rewards than those with shorter horizons. Many readers will be aware that Warren Buffet attributes his wealth to compound interest (along with a nod to “living in America, som ..read more

Taxation of savings & investments in the UK In the 2023/24 tax year, individuals now only have a £6,000 Capital Gains Tax allowance, down from £12,300 last year. Further, in the 2025/25 tax year it is due to be reduced to only £3,000. Likewise the 2023/34 dividend allowance has been reduced to £1,000 and will reduce even further to £500 for the following tax year. This means that a larger and larger portion of an investor's earnings will be taxed (at rates specific to their individual circumstances). ISAs to the rescue? An Individual Savings Account (ISA) has long been a tax-efficient way ..read more

LandlordInvest has now processed in excess of £5 million in secondary market sales, underlining the strong liquidity of the marketplace. The exact data as of close of play 13 April 2023 shows that 9,060 transactions have taken place since we launched our secondary market in May 2017, totalling £5,008,467.57. Sale amount was an average of £552.81 with the highest being £56,725.00 and lowest being the minimum allowed sale of £100.00. The market is widely used and to date 284 unique accounts have made a sale on the secondary market and 375 unique accounts have made a purchase. In June 2020 we mad ..read more