Landbay Account Information

Landbay Account Information

Updated October 31st 2019

 

Detailed Account Information & Screenshots

 

First Investment Date          – June 2018

Initial Investment Amount  – £10,000.00

Total Added                          – £100.00 (Cashback)

Total Withdrawn                   – £5,000.00

Invested Currently               – £5,100.00

Current Account Balance   – £5,357.03

 

Total Interest Return           – £257.03 (excl cashback)

ROI% (per lender)                – 3.49% 

XIRR                                      – 3.46% 

 

 

See My Full Landbay Review Here

 

My Landbay Actual Account Growth & Income Charts

 

Landbay Account Growth Chart

Landbay Monthly Income Chart

 

 

Each month I send out an update on all of my Peer to Peer lending accounts. Below are the excerpts specific to Landbay.    Click here for all lender updates

October 2019 Monthly Update

 

Landbay

See Full Review

Nothing much to say about Landbay as per usual, boring account. That’s a good thing in the investment world though, boring is good. Ask the Funding Secure collapse investors 🙄 

Just like having money in a bank. XIRR stable but up a bean in October at 3.46% from 3.45% in September. Low but about the safest of the lenders, or so they say. Low risk equals low annual returns though (see my Landbay Review for more info).

 

Landbay Signup & Cashback Offers

Landbay currently have an incentive for new investors: £50 cashback when investing £5000 or more. 1% on top of the regular number make it look a little more attractive.

Click here for more information or to open an account with Landbay >>> 

 

Landbay Account Screenshot 1 - October 2019 Update

 

 

 

September 2019 Monthly Update

 

Landbay

See Full Review

Nothing much to say about Landbay as per usual. That’s a good thing in the investment world.

Just like having money in a bank. XIRR stable at 3.45%. Low but about the safest of the lenders, or so they say. Low risk equals low annual returns though (see my Landbay Review for more info).

 

Landbay Signup & Cashback Offers

Landbay currently have an incentive for new investors: £50 cashback when investing £5000 or more. 1% on top of the regular number make it look a little more attractive.

Click here for more information or to open an account with Landbay >>> 

 

Landbay Account Screenshot - August 2019 Peer to Peer Lending Update 1

 

 

August 2019 Monthly Update

 

LANDBAY

See Full Review

Landbay Account Screenshot for Peer to Peer Lending Update - August 2019 1

 

Landbay are still plodding along. Nothing to see here. XIRR is now almost right at the target rate of 3.49% sitting at 3.45%. Landbay is about the closest to a bank deposit in my opinion because of the safety factor. Of course bank level (=low) annual returns come along with that safety (see my Landbay Review for more info). 

 

For the said-to-be-safer option for your money, or just for some diversification, Landbay currently have an incentive for new investors: £50 cashback when investing £5000 or more. Click here for more information. Taking this cashback offer increases your income on this investment by 1% for the first year which helps.

 

 

 

 

 

July 2019 Monthly Update

 

LANDBAY

See Full Review

 

Landbay Account Screenshot for Peer to Peer Lending July 2019 Update 1

 

Landbay – Oh, wait, I still have a Landbay account? It would appear so! It’s easy to forget that I have money in Landbay as it really requires no maintenance. And I don’t worry about it at night as of course it is (said to be) the safest lender out there. For 3.49% returns it had better be (yawn).

As I mentioned last month, if I was really risk adverse, this is probably where much of my capital would be sitting. That being said though, I think there are some safe options out there now with risk similar to Landbay but better returns. As previously mentioned Kuflink’s‘ low LTV loans I consider to be fairly safe, as well as the new lender Loanpad who also have loans with very, very low LTV’s and pay 5%+ with a 60 day notice window. Assetz Capital’s QAA account pays 4.2% on (mostly) asset secured loans with instant access to your money. Or Assetz Capitals Property Secured Account (PSA) is also a good option for asset secured investing and pays 5.5%.

 

For the said-to-be-safer option for your money, or just for some diversification, Landbay currently have an incentive for new investors: £50 cashback when investing £5000 or more. Click here for more information. Taking this cashback offer increases your income on this investment by 1% for the first year which helps.

 

 

 

June 2019 Monthly Update

 

 

LANDBAY

See Full Review

Landbay Account Screenshot for June 2019 Peer to Peer Lending Update 1

 

Landbay – “The Peer to Peer Banking Solution” – NOT REALLY! But about the safest lender in the P2P world. About the lowest returns though.

Honestly, if I was really risk adverse, this is probably where much of my capital would be sitting. That being said though, I think there are some safe options out there now with risk similar to Landbay but better returns. As previously mentioned Kuflink’s‘ low LTV loans I consider to be fairly safe, as well as the new lender Loanpad who also have loans with very, very low LTV’s and pay 5%+ with a 60 day notice window. Assetz Capital’s QAA account pays 4.2% on (mostly) asset secured loans with instant access to your money. Or Assetz Capitals Property Secured Account (PSA) is also a good option for asset secured investing and pays 5.5%.

For the said-to-be-safer option for your money, or just for some diversification, Landbay currently have an incentive for new investors: £50 cashback when investing £5000 or more. Click here for more information. Taking this cashback offer increases your income on this investment by 1% for the first year which helps.

 

 

 

May 2019 Monthly Update

 

LANDBAY

See Full Review

See Screenshots & Detailed Monthly Updates From My Landbay Account

Landbay Peer to Peer Lender Account Screenshot for May 2019 Update 1

 

Landbay, they may as well be a bank. I know, I say the same thing every month. They are just as safe as houses, literally, and that makes them kind of boring for an active investor. So much so that I’ve actually been considering starting to move a bit of capital from them so I can put it into some higher paying lenders, albeit more risky.

Now, if I was really risk adverse, this is probably where much of my capital would be sitting. That being said though, I think there are some safe options out there now with risk similar to Landbay but better returns. As previously mentioned Kuflinks‘ low LTV loans I consider to be fairly safe, as well as the new lender Loanpad who also have loans with very low LTV’s and pay 5%+ with a 60 day notice window. Assetz Capital’s QAA account pays 4.2% on (mostly) asset secured loans with instant access to your money.

For the said-to-be-safer option for your money, or just for some diversification, Landbay currently have an incentive for new investors: £50 cashback when investing £5000 or more. Click here for more information. Taking this cashback offer increases your income on this investment by 1% for the first year which helps.

 

 

 

April 2019 Monthly Update

 

LANDBAY

See Full Review

Landbay Account Screenshot for April 2019 Update 1

Landbay Account Screenshot for April 2019 Update 2 

 

 

Most of my Peer to Peer Lending capital I consider to be “low to medium risk capital”. Not meaning I’m prepared to gamble it all away and lose it in some “get rich quick” scheme. But I’m prepared to take a little more risk than just putting it all in a bank for better returns. My point here is; I don’t keep a lot in Landbay because of this fact.

Now, if I was really risk adverse, this is probably where much of my capital would be sitting. That being said though, I think there are some safe options out there now with risk similar to Landbay but better returns. As previously mentioned Kuflinks‘ low LTV loans I consider to be fairly safe, as well as the new lender Loanpad who also have loans with very low LTV’s.

For the said-to-be-safer option for your money, or just for some diversification, Landbay currently have an incentive for new investors: £50 cashback when investing £5000 or more. Click here for more information. Taking this cashback offer increases your income on this investment by 1% for the first year which helps.

 

 

 

 

 

March 2019 Monthly Update

 

LANDBAY

See Full Review

As usual, not much to say about Landbay. I don’t even look at the account most of the time as it really is a “worry free” investment (for me at least). That does not mean there is no risk involved, it is just that the perceived risk is relativity small, along with the returns. Even though it’s more risky (in theory), I prefer the higher paying secured lenders like Assetz Capital or Kuflink. I guess if you were really risk averse though, Landbay is a good option. Or if like me, you just want to diversify some more of your capital so all of your eggs are not in too few baskets.

 

Landbay Account Screenshot for March 2019 Update

 

For the said-to-be-safer option for your money, or just for some diversification, Landbay currently have an incentive for new investors: £50 cashback when investing £5000 or more. Click here for more information. Taking this cashback offer increases your income on this investment by 1% for the first year which helps.

 

 

 

February 2019 Monthly Update

 

LANDBAY

See Full Review

Boring old Landbay is really the closest thing to a bank, for hands off investing and low returns they can’t be beat (yes, that was sarcasm). Supposedly one of the safer lenders, but remember they are not a bank and your funds are not insured as they are in a bank.

 

Landbay Account Screenshot for Feb 2019 Update

If you’re looking for the safer option for your money, Landbay currently have an incentive for new investors: £50 cashback when investing £5000 or more. Click here for more information.

 

 

January 2019 Monthly Update

 

LANDBAY

See Full Review

Old Faithful lender account Landbay just keeps plodding along at its lender suggested rate if 3.49% with an actual XIRR of 3.22% (increased from 3.18% last month). Not an impressive return, however if you’re not very risk-adverse, then it’s supposedly as safe as houses (literally) as all loans are secured on rent-to-own mortgages.

No Landbay investors have lost any money to date and that is reflected in the returns. Remember though this is still P2P lending and as such your capital is at risk. See my Landbay Review for more information.

 

Landbay Screenshot for Jan 19 Update 1

 

 

 

December 2018 Update

 

Landbay

See Full Review

Landbay Account Screenshot for Dec 2018 Update

Landbay as usual, safe & steady, but very boring. Low risk but low rates. One of the reasons I exited Zopa is because it lost the “Low Risk” part in my eyes. Knowing the kind of returns I can get from Mintos and Unbolted, as well as some of the other lenders, if there wasn’t a fee I would probably exit Landbay too and redistribute the capital. Not because there is anything wrong with them, but because this is investment capital so I should be making the most of it and getting higher returns. I can get 3.5% in a government insured 5 year bank CD (USD) at the moment, which is obviously the ultimate in safety. As is though, Landbay is safe and steady enough so I’ll stick with it for now.

 

 

 

November 2018 Update

 

LANDBAY

See Full Review

Landbay Account Screenshot for Nov 2018 Update

 

LandBay. What can I say (yawn). Easy investment, low maintenance, low risk, low returns. About as close to a bank account you can get without it being a bank. XIRR is right on target for 3.49% overall annual return (currently at 3.11%). Really nothing else to say here. They did update their website so you can choose to invest just the capital, interest or both (before it was all or nothing). That’s the excitement for this year with LandBay 🙂

 

 

 

October 2018 Monthly Update

 

LANDBAY

See Full Review

Landbay Oct Update Account Screenshot 1.1

Landbay continues to be the most boring (boring is good where investments are concerned) but also (apparently) the safest lender. When I started P2P lending about 5 years ago, I would have thought that 3.49% with any low risk investment was very, very good. Considering banks were paying less than 1% at the time. These days though, I look at Landbay and think “why do I keep this money there”. I could put this with Mintos and be making 9%+! Risk = reward though, so there is some sanity to keeping little capital here with Landbay.

 

 

 

September 2018 Monthly Update

 

LANDBAY

See Full Review

Landbay Account Screenshot 1 Oct 2018

Landbay is the epitome of “set it and forget it” Peer to Peer investing. Lower risk = lower return, but it’s easy investing if you want a better return than a bank. Risk is as good as it gets with Peer to Peer investing as all loans are secured with “buy to let” properties with low LTV’s (Loan to Values).

 

<<< Return to Full Review

 

 

Prior to September 2018, no screenshots were published, however you can still see the full updates below:

Recent Monthly Posts – Detailed Peer to Peer Portfolio Updates

P2P Lending Portfolio Update For October 2019

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P2P Lending Portfolio Update For September 2019

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P2P Lending Portfolio Update For August 2019

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P2P Lending Portfolio Update For July 2019

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P2P Lending Portfolio Update For June 2019

      GBP Portfolio Overview June 2019 was (again) the best month yet for the GBP Peer to Peer Lending Portfolio! The £1000 per month income barrier was blown away in June, with a…

P2P Lending Portfolio Update For May 2019

May was the 12th month, and the 1 year anniversary of  the GBP Peer to Peer Lending Portfolio! It produced over £1000 income for the 2nd month

P2P Lending Portfolio Update For April 2019

April was the best month yet for my P2P Lending Portfolio! It finally crossed the £1000 per month income barrier with a return of £1,028.67 in GBP.  I mentioned “in GBP” at the end there because I…

P2P Lending Portfolio Update For March 2019

March 2019 turned out to be another good month for my Peer to Peer Lending Portfolio with a total income of £981.50 the second best month so far

P2P Lending Portfolio Update For February 2019

February 2019 has been another great month for my new P2P Lending Portfolio! £985.78 in monthly income. That doesn’t include lender cashback bonus

P2P Lending Portfolio Update for January 2019

January 2019 has been the best month so far for my new P2P Lending Portfolio! £966.43 in monthly income. That doesn’t include cashback bonus

P2P Lending Portfolio Update for December 2018

December was an interesting month. I decided to exit Zopa and distribute the capital to other lenders. You can read in more detail why I decided to do this further down in the Zopa section of the…

P2P LENDING PORTFOLIO UPDATE – NOV 2018

Peer to Peer Lending Portfolio Update for November 2018 The update for November 2018 is a little late this month. I was away traveling in Spain with some friends for a week so I didn’t get…

 

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