diversification question

Hi gusgorilla

Thanks for your question.

The 4 'loan parts' you are seeing in your account are in fact 4 transactions, not loan parts. The transaction represents the allocation of funds across multiple loans. Each time you invest on our platform, your investment is lent across a portfolio of 5-20 mortgages (the number of loans in this portfolio is dependent on current mortgage inflows). There are various possible reasons why you are seeing four separate transactions: 1) you may not have invested the £3,000 all at the same time; 2) your investment may be replacing loan parts withdrawn by other lenders, and/or 3) there may have been multiple portfolios open for investment at the time you deposited funds.

Regarding point 2) These loan parts may mature before the bulk of your investment
. In this case you will be notified via email at which point you will have the option to either reinvest these funds or withdraw them.

We initially designed our platform without the feature to be able to see the details of the loan parts you are in as we felt that the basic information we are legally allowed to show was not enough for investors to be able to evaluate the resilience of each loan part. However, we have since received feedback from some customers who would still like to see their loan parts and as a result we are looking at adding this feature later this year.


All loans in our loan book (download on the statistics page) meet our borrower criteria and we believe that diversification is key to help keep our investors’ risks as low as possible. Unlike some platforms where investors can pick and choose certain loans, auto-diversification is a built-in feature of our platform. For more information on our risk mitigation please see: landbay.co.uk/risk-mitigation


Regarding the FAQ, "you may then lend subsequent amounts in multiples of £10", you can do this in the same way you initially deposited funds, via the 'Invest Now' tab in your account. Please note, however, that investments of under £100 must be done via Bank Transfer rather than debit card payment. 

Best wishes, 
Landbay