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John Goodall CEO & Co-Founder Lendit Europe 2015 About Landbay - - PowerPoint PPT Presentation
John Goodall CEO & Co-Founder Lendit Europe 2015 About Landbay - - PowerPoint PPT Presentation
John Goodall CEO & Co-Founder Lendit Europe 2015 About Landbay Peer-to-Peer Lending for Buy-to-Let Mortgages First loan: Tracker Average Borrowing Rate: Total loans completed to date: Fixed Average Borrowing Rate: July 2014 71 5.12%
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Landbay.co.uk
About Landbay
Peer-to-Peer Lending for Buy-to-Let Mortgages
First loan:
July 2014
Average LTV ratio:
66.5%
Average loan size:
£172,307
Tracker Average Borrowing Rate:
4.54%
Total loans completed to date:
71
Average rental income vs interest cost:
168.86%
Fixed Average Borrowing Rate:
5.12%
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Landbay.co.uk
BTL Mortgage Market
Gross Mortgage Lending (£m per quarter 2007-15)
Source: Prudential Regulatory Authority (PRA)
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Landbay.co.uk
UK Buy-to-Let Mortgage Market
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Landbay.co.uk
Changes for Buy-to-Let
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Landbay.co.uk
Resilience of BTL Mortgage Credit
Landlord Mortgage & Tenant Arrears
20,000 40,000 60,000 80,000 100,000 120,000 140,000 5,000 10,000 15,000 20,000 25,000 2010 Q1 Q3 2011 Q1 Q3 2012 Q1 Q3 2013 Q1 Q3 2014 Q1 Q3 2015 Q1 # CML BTL >3 months LSL Tenants > 2 months (RHS)
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Landbay.co.uk
Resilience of BTL Mortgage Credit
Average Rent
£600.00 £650.00 £700.00 £750.00 £800.00 £850.00 2010 2011 2012 2013 2014 2015 Source: LSL
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Landbay.co.uk
Stress Testing
Available at Landbay.co.uk/reports
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Landbay.co.uk
Download Our Loan Book
Available at Landbay.co.uk/statistics
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Landbay.co.uk | +44 (0) 20 3817 7700 | info@landbay.co.uk | @LandbayUK