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P2P平台Landbay为英国消费者开启借贷之门

英国的投资者一直在苦苦寻觅低风险,且回报率高于通货膨胀率的各种投资,比如现金账户、储蓄账户、债券或者其他传统金融产品。然而,现实却常常不尽人意。近日Landbay借贷平台测试版正式发布。这家新成立的P2P借贷公司似乎为英国受挫的投资者和储蓄者带来了曙光。与银行和房屋互助会相比,Landbay为寻求租赁房产贷款的借款人提供更具有竞争力的利率,以及更迅速更理性的借贷申请流程。

通过股权众筹平台Seedrs,Landbay在仅仅五天时间内就融资获得部分初始资金,并预计在后续几周继续进行第二轮众筹融资。

该公司由John Goodall 和Gray Stern 共同创建,两人都具有丰富的管理和资产投资背景。

Landbay的 CEO Goodall说道:

“P2P金融正在英国迅速发展,刚刚突破10亿英镑大关。英国正在引领消费者走入这片金融市场新领域。”

“Landbay 是一种创新,让更多的人可以从英国房屋投资租赁市场投资获得可观的回报,该领域去年一年的贷款数额就高达210亿英镑。测试阶段一完成,我们就会在五月份全面开放该平台。”

Landbay的最低投资额为100英镑,这无疑降低了贷款人(或者“储蓄者”)的投资门槛,让更多的人能通过低风险渠道投资英国最受欢迎也最知名的房地产项目,同时还能获得高回报收益。

Landbay是仅有的一个专为英国住宅房地产贷款投资设立的平台,出借者可以获得房产首次按揭贷款的担保。与其它P2P平台相比,Landbay的以下特征足以吸引更多消费者:更广范围的回报率(年回报率3.5%-10%),3年期不同风险级别(3种不同的贷款价值范围),都有住宅房地产的首次担保。

低投资限额使出借者可以投资多种不同种类、跨地区及不同风险/回报级别的房产来分散和降低投资风险。

Landbay对待租房产提供两步式估价,让投资者更安心。所有申请都要经过Landbay认可的合作商对房产进行估价,然后再通过独立的估价机构进行合理的同行审查。除了这些,所有申请也要接受整体的可支付能力检查,包括125%的最低租赁范围。在部分情况下,Landbay也要求个人担保。

Landbay为借贷者提供了一种有别于银行或者房屋互助会的新投资形式。

Landbay的贷款利率更具竞争力,因为出借者内部也会互相竞争,争取在借款人的贷款中分得一杯羹。Landbay自动拍卖流程确保借款者能够从Landbay平台上获得最佳的贷款。Landbay的收费是公开透明的,不存在暗箱操作。

从Landbay平台上申请和获得按揭贷款的过程比银行和房屋互助会更迅速,也更合理。申请会在48小时内得到处理,每一项贷款都根据具体情况,由专业的保险人为其提供最快最有效的解决方案。

借款者可以自行通过Landbay平台或者其房屋经纪人达成交易。

尽管有些P2P借贷平台可以进行房地产市场借贷,但目前主要目标还是商业房产和开发商贷款。目前还少有平台专门为投资租赁房产市场提供贷款。Landbay受金融市场行为管理局监管。

The Beta launch of Landbay was announced today.  The young company is a new peer-to-peer (P2P) finance option for the UK’s frustrated savers and investors who have long struggled to secure low risk returns at rates above inflation, whether from cash accounts, savings accounts, bonds or other traditional financial products. Borrowers seeking a buy to let mortgage, Landbay offers competitive rates and a faster, more rational application process than banks and building societies.

Landbay secured some of their initial funding via equity crowdfunding platform Seedrs in a round that was fully funded in just 5 days. Additional funding has come from the founders and they intend a second crowdfunding round on Seedrs in coming weeks.

The company was founded by John Goodall and Gray Stern both having strong backgrounds in management and property finance.

Goodall CEO of Landbay said:

“The peer to peer finance sector is booming in the UK, having just passed the £1 billion mark. It is great to see Britain genuinely leading the world in unlocking the huge benefits for the consumer of this breath of fresh air in finance.”

“Landbay is an important new innovation that will open the door to a much broader cross section of the public to the attractive returns available from investment in Britain’s residential buy-to-let market, a sector that was worth £21 billion in new lending last year alone. We are looking forward to our full public launch in May once the beta stage is complete.”

For lenders (or “savers”), Landbay is ‘democratising investment’ in the buy-to-let arena via its minimum investment of just £100 – opening the door for a much wider cross section of the British public to enjoy attractive, low risk returns from the UK’s favourite and best known investment asset – residential property.

Landbay is the only platform where lending is exclusively for buy-to-let mortgages on UK residential property, with all lenders having the security of a first mortgage charge on the property. Landbay believes this gives their platform a unique consumer appeal versus other P2P lenders; a wider range of returns (3.5% to 10% per annum) from a range of risk levels (3 different loan-to-value bands) over a three year term, all with first security against residential property.

The low minimum investment per property makes it easy for lenders to reduce their risk further by diversifying their lending across different kinds of property, and across different regions, as well as different risk/reward levels.

Landbay offers additional “peace of mind” through its two step approach to valuations of the property being lent against. All applications are subject to a valuation that is arranged by Landbay and conducted by one of its approved partners, and then that valuation is subject to a satisfactory peer review by their independent valuation partner. On top of this, all applications are subject to a holistic affordability check that includes minimum Rental Coverage of 125%. In some instances, Landbay will also require a personal guarantee.

Landbay will offer a new alternative to dealing with banks or building societies.

Interest rates at Landbay are stated to be competitive, with individuals competing between themselves to provide borrowers part of the mortgage you are seeking. The Landbay automatic auction process ensures borrowers are always going to get the very best deal possible from those lending on Landbay. Landbay’s fees are transparent and fair, with nothing nasty hidden in the small print.

The process of applying and securing the mortgage is faster and more rational than the experience with most banks and building societies. Applications are processed within 48 hours, and each mortgage is bespoke, offering greater engagement with our expert underwriters to get to the best solutions quickly and effectively.

Borrowers can come directly to Landbay themselves or deal via their broker.

Although there are a few P2P platforms allowing people to lend into the property markets, so far these focus mainly on lending for commercial property and developer lending. There is no other P2P lender focusing exclusively on lending to the residential buy to let mortgage market. Landbay is regulated by the Financial Conduct Authority.

 


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