landlordinvest.com

What It Is

LandlordInvest is a UK real estate finance marketplace. Its core model is to connect professional property investors/developers with investors looking to invest in asset-backed products. On the investment side, users can participate in UK property-secured P2P loans. On the borrower side, it provides auction finance, bridging loans, development finance, and mezzanine finance for properties in England and Wales.

Core Features and Fees

The platform emphasizes that its loans are secured against UK real estate, supporting both first- and second-charge mortgages. LTV can be up to 80%, with a disclosed average LTV of 63.64%. Investors can start from a minimum of £1,000, choose individual loans, receive monthly interest, and target expected annual returns of 5%-12%. Account options include standard accounts, IFISA, and SSAS/SIPP pension wrappers.

In terms of fees, investor account opening is free and there are no ongoing account fees. For borrowers, loan amounts range from £100,000-£1,000,000, with rates from 0.85% per month, terms of up to 18 months, and no early repayment fees or management fees. The source text notes that borrowers pay arrangement fees and that service fees are deducted from monthly interest, but it does not specify the percentages.

Regulation, Risk Control, and Liquidity

LandlordInvest Limited is authorised and regulated by the UK FCA, FRN 660926, but it is explicitly not covered by the FSCS compensation scheme. The platform only provides loans for business purposes, and the relevant loans are not protected under FSMA 2000 or the Consumer Credit Act 1974.

For risk control, the platform uses Experian/CallCredit for credit checks and provides investors with valuation reports, borrower credit scores, loan updates, Q&A, and public loan data. It is important to note that the platform repeatedly states that this is a high-risk investment product and that investors may lose capital. Although eligible loan parts may be transferred on the secondary market, there is no guarantee that a buyer will be available.

Pros, Cons, and Who It Is For

Its strengths include clear regulatory information, property-secured assets, relatively detailed data disclosure, low fees for investors, and borrower products that cover multiple property financing scenarios. Its drawbacks are that capital is not protected, liquidity is limited, FSCS coverage is absent, and some platform fees are not fully itemized.

LandlordInvest is better suited to investors who understand the risks of UK P2P lending and real estate finance, want monthly cash flow, and can tolerate potential losses. It may also suit professional UK property investors and finance brokers. The source text does not disclose access or payment support for users in China. Chinese users considering similar products may also compare UK real estate lending platforms such as CrowdProperty, Kuflink, and Assetz Capital.