What are you thoughts of Landbay?

I think my conscience would bother me if my tenants were residing in some of these! I wonder if or how much it would cost to make them habitable?

Thanks for that I will most certainly give it greater consideration !

Under the how it works section is a sub section called minimising risk where the PF is mentioned among other things (called a reserve fund) Or search reserve fund in FAQ
The bit i meant about rates is they tend to keep the flexible rate about the same for new loans so if the LIBOR rate goes up they tend to cut their underlying rate so it keeps the rate the same and attractive to the borrower and the lender does not always get the benefit of the rate rise (but the rate will go up for lenders on the older flexi loans)

would think in general when most people say the rate is  low that yes they want more money and then some would argue risk/reward as well (but i always think that's a personal call and not a blanket statement as some say but others may disagree) Also rates whee higher at the start and when fixed loans finish there fixed term which i believe my wife's have been 3 to 5 years (but shes not here to check)they revert to flexible rate for the rest of there term plus 0.5% which helps
   Would not like to say LB are safer but i guess there business model has been easy to use,cashback on queued money with slow growth as a business(think there now in profit?)and while the rates are low that may work to the benefit of the borrower,the point i made about them trying to keep the rates about the same in regards late or defaults but who knows

I've used LB in 2017/18 for over a year and withdrawn for that very reason - the return is to low for p2p investment. However, I think very low risk justifies that and it's a good one for safer diversification. Landbay is operating for about 4 years now, default rate remains 0% and nobody's lost any money.  

I considered landbay but lendinvest offered higher rates. Only drawback with lendinvest is you are locked in until the end of the term and it takes weeks to get invested.

Relying on LTVs and rates paid to lenders doesn't give you anywhere near a level playing field for comparison, and the only thing LI & LB have in common is that they have property as security, beyond that they're nothing like each other. A 70% LTV mortgage is nowhere near as risky as a 70% bridging/development loan. If it were nobody would ever be able to buy a house. As for the rates, if you're going to even begin to try and compare them across platforms then you need to consider what's actually being charged to borrowers - even though you might think they're both in the same approx bracket based on rates received you'll probably find they really really aren't.