Landbay

Landbay is a specialist buy-to-let mortgage lender with tailored lending solutions for experienced Landlords and complex cases. With their personalised underwriting team, you can expect a lending offer, subject to valuation, within 48 hours of application, simple fee structures and low interest rates. Landbay buy-to-let mortgages are funded entirely through their peer-to-peer alternative investment platform.

**Exclusive products through AToM**

  • Up to 75% LTV
  • Available on standard BTLs, Small and Large HMOS/MUFBs
  • 5 Year fixed rates available
  • Rates from 3.59% (up to 0.26% off standard rates)
  • 1.75% fee compared to 2.0% on standard products

Landbay Standard Product Range Highlights:

  • Standard rates from 3.09%
  • Up to 80% LTV on standard BTLs
  • HMO/MUFB rates from 3.09%
  • Up to 75% LTV on HMOs/MUFBs
  • Expat rates from 3.99%
  • Up to 70% LTV for Expats
  • Loans from £50,000 to £1,000,000
  • Available to individuals (including expats), LLP's and Ltd. Companies (SPV) borrowers
  • Trading Ltd Companies considered
  • For properties in England and Wales
  • All products have a LIBOR floor of 0.10%
  • 5 Year fixed rates available
  • Tracker products with no ERCs available
  • Available for HMOs with up to 10 bedrooms
  • Minimum HMO value reduced to £120.000
  • Small HMOs (6 or less beds) charged at standard product rates
  • Available for MUFBs with up to 10 units
  • Properties above/adjacent to commercial premises considered

Solicitors

Landbay uses a selected panel of solicitors. Dual representation is available through Landbay solicitors. Borrowers can use their own solicitors, but will have to cover the costs for Landbay solicitors too.

For more details on Landbay, contact our Sales Team on 01403 272625 (option 2) or email us at sales.team@atomltd.co.uk.