UK-based peer-to-peer lending platform Landbay has reportedly reduced its product rates and fees. According to various sources, Landbay’s rates are now starting at 3.39% for a 2-year fix and 3.59% for a 5-year fix, with arrangement fees up to 75% on standard products, which were cut from 1.75% to 1.5%. Speaking about the cuts, Paul Brett, managing director of Intermediaries at Landbay, stated:
“These new products offer a fantastic opportunity for brokers to help more of their landlord clients, who will be needing specialist advice and products at this time of significant regulatory and fiscal change. We are constantly listening to our intermediary partners and to the requirements of the market. Our rates have been reduced across the board to ensure we remain competitive whilst our criteria enables us to serve a wide range of specialist borrowers seeking a fast decision. We strive to process new cases in 24 hours via our online portal and are offering cases within 48 hours of receipt of valuation. If an applicant needs speed, then I believe Landbay should be their first choice.”
Landbay’s products are available through the lender’s distribution partners, which are Atom, Brightstar, Complete FS, Connect Mortgages, Mortgage for Business, The Buy to Let Business and TBMC. Tony Salentino, director at Complete FS, added:
“Any lender that is looking to reduce rates and make it much more affordable to the borrower is good news, and if they can back that up with good service and a commercial view – to be able to do that is a positive move.”
“The Property‐Backed ISA is the latest in our line of peer‐to‐peer investments following the introduction of the Innovative Finance ISA from HM Treasury in 2016. A Landbay ISA investment is the same as a Classic investment with a tax‐free wrapper.”
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Reg A - Form 1-A Filings Beta
Beta. Initial Form 1-A only. Target raise is the stated Amount to be Raised, totaled. Compared with the same dates one year earlier.
YTD: Jan 1, 2026 - Nov 6, 2026 vs Jan 1, 2025 - Nov 6, 2025
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Number of Filings134Prior 129 +3.9%
Target Raise, Total$3.45BPrior $3.59B -3.8%
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129
+3.9%
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$3.59B
-3.8%
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“These new products offer a fantastic opportunity for brokers to help more of their landlord clients, who will be needing specialist advice and products at this time of significant regulatory and fiscal change. We are constantly listening to our intermediary partners and to the requirements of the market. Our rates have been reduced across the board to ensure we remain competitive whilst our criteria enables us to serve a wide range of specialist borrowers seeking a fast decision. We strive to process new cases in 24 hours via our online portal and are offering cases within 48 hours of receipt of valuation. If an applicant needs speed, then I believe Landbay should be their first choice.”
“Any lender that is looking to reduce rates and make it much more affordable to the borrower is good news, and if they can back that up with good service and a commercial view – to be able to do that is a positive move.”
