LandlordInvest
A UK peer-to-peer lending platform connecting investors with secured property-backed loans for professional landlords and property investors.
Last updated August 26, 2026
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Overview
LandlordInvest is a United Kingdom-based peer-to-peer and marketplace lending platform focused on property-backed finance. It connects investors seeking income from secured lending with professional property investors and landlords seeking finance for residential, commercial, semi-commercial, bridging, and development projects. The platform is aimed primarily at experienced property borrowers rather than retail consumer-credit customers, and its lending model is based on loans secured against real estate. The business was founded in 2014 and formally launched in December 2016 after receiving authorization from the UK Financial Conduct Authority. In early 2017 it received approval from HM Revenue and Customs to act as an Innovative Finance ISA manager. This made LandlordInvest one of the early UK platforms through which savers could place peer-to-peer, residential-property-backed lending into an Innovative Finance ISA, allowing qualifying returns to be sheltered within the ISA framework. The company subsequently developed a secondary market, launched in May 2017, where investors could sell loan parts to other users rather than necessarily holding them until maturity. LandlordInvest’s marketplace model matches eligible borrowers with investors. Borrowers generally seek loans in the tens or hundreds of thousands of pounds, while investors select individual loans or loan parts and receive interest as borrowers make payments. The platform has described lending facilities ranging from £30,000 to £750,000 and has promoted potential annual returns of up to approximately 12%, although actual returns depend on loan performance, fees, timing, and any defaults or recoveries. The platform earns revenue principally through borrower arrangement fees and servicing deductions from interest payments. Its investment proposition is based on asset backing, loan-to-value assessment, borrower selection, and monthly income rather than direct ownership of property. A minimum investment requirement of £1,000 was reported in 2021, following an increase from the former £100 minimum. The secondary market is an important part of the proposition because it gives investors a mechanism for seeking liquidity before a loan reaches maturity, although such markets cannot guarantee an immediate sale or a particular price. The company expanded from early bridging and buy-to-let lending into residential and commercial real-estate loans. It stopped offering buy-to-let loans in December 2022, while later reporting continued to describe lending to professional property investors across residential and commercial real estate. By June 2023, published figures indicated that more than £17 million had been lent through the platform and that investors had received more than £1.7 million in interest. Secondary-market trading had exceeded £5 million by April 2023. LandlordInvest was rated “Exceptional” by 4thWay in May 2021, according to the cited reference material. The brand occupies a specialist position within UK alternative finance: it combines online marketplace distribution, property-secured lending, and tax-advantaged ISA access. Its differentiation has historically rested on its concentration on landlords and property professionals, rather than broad consumer lending, and on the availability of property-backed Innovative Finance ISA investments. Publicly available reference material does not establish a current parent company, listed status, ownership structure, website, or present executive roster beyond historical references to chief executive Filip Karadaghi.
History
LandlordInvest was established in 2014 as a specialist alternative-finance business focused on lending secured against property. Its intended users were professional landlords and property investors seeking bridging, development, and other real-estate finance, together with investors looking for income-producing asset-backed loans. The platform became operational in December 2016 after obtaining authorization from the UK Financial Conduct Authority. Its early proposition was to originate and distribute secured loans through an online marketplace. Rather than lending from a conventional bank balance sheet, the platform matched eligible borrowers with investors who funded loans and received interest. Borrower fees and servicing charges provided the principal operating-revenue model described in the reference material. A major early development came in 2017, when HM Revenue and Customs approved LandlordInvest as an Innovative Finance ISA manager. The approval enabled qualifying investors to hold the platform’s property-backed peer-to-peer investments within an IFISA. LandlordInvest was described as the first platform to offer a residential property-backed IFISA, giving it a distinctive position in the emerging UK peer-to-peer ISA market. The company also expanded investor functionality during 2017. In May it introduced a secondary market for loan parts, allowing investors to seek an exit by selling their interests to other users. During the same year it received an undisclosed seed investment from Alan Gabbay, a director of O&H Properties. LandlordInvest reported more than £1 million in lending and around 700 investors in July 2017, followed shortly by a £740,741 bridging loan that brought cumulative lending to approximately £2 million. In December, around its first anniversary, it published its loan book for the first time. Growth continued into 2018. By June, the platform said it had lent more than £5 million across 25 bridging and buy-to-let loans. Its secondary market reached £1 million in sales in March 2018, with 1,393 loan sales and an average transaction value of £730. The company’s chief executive, Filip Karadaghi, was included in a 2018 list of influential figures in the UK peer-to-peer sector. By November 2019, the platform reported £8.7 million of loans funded by investors and £6.7 million of repaid capital. Secondary-market sales had reached £2.3 million by that point. In November 2020, LandlordInvest reported more than £10 million lent in residential and commercial real-estate loans to professional property investors. The platform later received an “Exceptional” rating from 4thWay in May 2021. In July of that year, it raised its minimum investment from £100 to £1,000, a change that made the service more targeted toward investors able to commit larger amounts to individual opportunities. The platform’s lending parameters have included loans of approximately £30,000 to £750,000, with returns promoted at levels reaching roughly 12% per year. These figures describe prospective or advertised economics rather than guaranteed outcomes. Investor results depend on borrower performance, security realization, fees, repayment timing, and the availability of secondary-market buyers. LandlordInvest subsequently narrowed its product range. It stopped offering buy-to-let loans in December 2022, while continuing to be described as a provider of residential and commercial property finance. By June 2023, reported cumulative lending exceeded £17 million and interest paid to investors exceeded £1.7 million. The secondary market had recorded more than £5 million in investor-to-investor trading by April 2023. The available reference material does not establish the company’s current ownership, website, listed status, headquarters address, or whether Filip Karadaghi remains chief executive.
- 2022
Buy-to-let product discontinued
[1]LandlordInvest stopped offering buy-to-let loans in December.
- 2021
4thWay rating
[1]4thWay rated the platform “Exceptional” in May.
- 2018
Lending exceeds £5 million
[1]LandlordInvest reported more than £5 million lent across 25 bridging and buy-to-let loans.
- 2017
Innovative Finance ISA approval
[1]HMRC approved LandlordInvest as an ISA manager, supporting its property-backed IFISA offering.
- 2017
Secondary market launched
[1]Investors gained the ability to sell parts of their loans through a dedicated secondary market.
- 2017
First major lending milestones
[1]The platform reported more than £1 million in lending, around 700 investors, and cumulative lending of approximately £2 million after completing a £740,741 bridging loan.
- 2016
Platform officially launches
[1]The platform launched in December after receiving FCA authorization.
- 2014
Company founded
[1]LandlordInvest was founded as a UK property-focused alternative-finance business.
Products and positioning
A specialist UK alternative-finance marketplace offering investors access to property-backed lending and providing professional property borrowers with secured finance.
Alternative finance · 2016
Property-backed peer-to-peer loans
The core marketplace product connects investors with secured loans made to professional property investors and landlords. Loans are backed by residential, commercial, or semi-commercial property and may support bridging, development, or related real-estate purposes. Investors receive interest according to the terms of the selected loan, subject to borrower performance, fees, repayment timing, and recovery outcomes.
Tax-advantaged investment account · 2017
Innovative Finance ISA
LandlordInvest’s IFISA allows eligible investors to hold qualifying property-backed peer-to-peer investments within the UK Innovative Finance ISA framework. The product was positioned as an early residential property-backed IFISA and promoted potential returns of up to approximately 12.3% annually, rather than guaranteed returns.
Investment liquidity service · 2017
Secondary market
Introduced in 2017, the secondary market enables investors to offer loan parts for sale to other platform users before the underlying loan matures. It provides a potential liquidity route but does not ensure that a buyer will be available or that an investor can sell at the desired price.
Property finance
Buy-to-let loans
Buy-to-let lending was part of the platform’s earlier property-finance range alongside bridging loans. LandlordInvest stopped offering buy-to-let loans in December 2022, so this is a discontinued historical product line.
Brand decisions
2022
Discontinuation of buy-to-let lendingStrategyBackground
Buy-to-let loans had been part of LandlordInvest’s earlier property-finance offering.
Action taken
The platform stopped offering buy-to-let loans in December 2022.
Aftermath
The product range became more focused on other forms of residential and commercial real-estate lending.
2021
Increase in minimum investmentOtherBackground
The platform adjusted the amount required for an investor to participate in individual opportunities.
Action taken
The minimum investment increased from £100 to £1,000 in July 2021.
Aftermath
The change raised the minimum capital commitment for investors using the platform.
2017
Launch of the property-backed Innovative Finance ISAProduct launchBackground
The UK peer-to-peer market was developing tax-advantaged investment products, while LandlordInvest focused on property-secured lending.
Action taken
After receiving HMRC ISA-manager approval, the company made qualifying property-backed peer-to-peer investments available through an Innovative Finance ISA.
Aftermath
The offering became a central differentiator of the platform and generated reported subscriptions in subsequent tax years.
IFISA subscriptions. £419,835 → £1.65 million (2016-17 to 2017-18 tax years)
2017
Introduction of the secondary marketOtherBackground
Investors in fixed-term property loans may want a route to sell their interests before maturity.
Action taken
LandlordInvest launched a marketplace for investors to sell loan parts to other users.
Aftermath
Secondary-market sales later exceeded £1 million in 2018, £2.3 million by November 2019, and £5 million by April 2023.
Recent events
- 2023
LandlordInvest reports more than £17 million lent[1]
Other
By June 2023, the platform reported cumulative lending above £17 million and more than £1.7 million in interest paid to investors.
- 2023
Secondary-market trading exceeds £5 million[1]
Other
By April 2023, investors had traded more than £5 million of loan parts with one another through the platform’s secondary market.
- 2022
LandlordInvest ends new buy-to-let lending[1]
Product generation
The platform stopped offering buy-to-let loans in December 2022, representing a change in its product scope.
- 2021
LandlordInvest receives an Exceptional rating from 4thWay[1]
Other
Online-lending ratings and research agency 4thWay rated LandlordInvest “Exceptional” in May 2021.
- 2021
LandlordInvest changes its minimum investment level[1]
Pricing
The minimum investment was reported to have increased from £100 to £1,000 in July 2021.
- 2020
LandlordInvest exceeds £10 million in real-estate lending[1]
Other
The platform reported having lent more than £10 million in residential and commercial real-estate loans to professional property investors.
- 2019
LandlordInvest passes £8 million lending milestone[1]
Other
In November 2019, investors had funded £8.7 million of loans and £6.7 million of capital had been repaid, according to the cited reference.
- 2018
LandlordInvest exceeds £5 million in lending[1]
Other
By June 2018, the platform reported more than £5 million lent across 25 bridging and buy-to-let loans.
- 2017
LandlordInvest obtains Innovative Finance ISA manager approval[1]
Regulation · Product launch
HM Revenue and Customs approved LandlordInvest as an ISA manager, enabling its property-backed peer-to-peer lending product to be offered through an Innovative Finance ISA.
- 2017
LandlordInvest launches a secondary market[1]
Product launch
The platform introduced a market allowing investors to sell parts of their property-backed loans to other investors.
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