Very happy with this lender, and underwriters

Big thanks to Kerry & the completions team alongside Alex Witham. The team helped resolve an incredibly difficult situation & have saved our customers thousands in the long run. Communication could not have been better & we could not ask for more - especially with the timescales constraints we faced. HUGE thanks for all of your help as always!

I wish to acknowledge Alex Witham for the outstanding service I receive from him. He is always very responsive to calls & emails, is very knowledgeable about the market and provides confidence in the service from Landbay. He has been particularly helpful with one of my portfolio clients over the last few days during this time of market volatility. Thanks Alex, you are an asset to the business.

excellent service throughout

My first case with Landbay and it was good to be able to email Underwriters and the post offer team directly. I was grateful that they could extend the offer for my client due to issues with 2 conveyancers on the Landbay panel that didn't have capacity to act, which took up a fair amount of time.

Despite having the mortgage with Landbay, I was forced to do a whole new mortgage application to switch to a new 5 yr fixed rate product. I emailed Landbay 8th June 2022, the 5 yr fixed rate was 3.54%, (Nearly 4 months later), I finally have a mortgage offer, albeit at 4.14%. My loan is £132k, the extra is £55.40pcm x 12 x 5 = I am now looking at an additional loss of £3,324. Landbay have made, what should have been an easy transition, a complete ball ache. I've encountered no other lender that does this and for good reason. RESPONSE Thank you for replying. Why don’t you do product transfers? (This was not disclosed to me). Q. Who is going to take a 2 yr fix & then redeem the mortgage? A. No one. (They would leave Landbay & go to an alternate lender). Q. Having completed a full mortgage application (again) what would happen if my circumstances changes & was declined? A. Presumably, I would be left on the more expensive SVR, which if affordability was the issue, this would add to my woes. … from a legal position, given you are now aware the mortgage is untenable (for example), what action will you take, given you’ve declined the cheaper product, but retained the now high risk customer? Im also being asked lease details (which you have already lent knowing this info) and direct debit mandate (which you already take payments) so much unnecessary duplication. Anyway, that’s a side point to my situation, that the bureaucracy involved to simply change products is costly in both time & effort. Going through a whole new mortgage application is meaningless when the customer is already with you. It has the potential to open a whole can of worms for you as a responsible lender.

The underwriting time was acceptable and the case proceeded to completion without any complications

Very helpful lender

Easy to deal with and the process was extremely slick

Seemless from start to finish! Thank you landbay. I have a very happy client

I am a mortgage broker and I relish the chance to work with Landbay. They take a sensible approach to mortgages and their underwriting, if they feel a case makes sense they will normally take it. I have to say that Cameron Lovesee-Clark the Senior Account manager for the South has been absolutely fantastic every time I speak to him, he has had a well deserved promotion recently and I look forward to him continuing to fly the flag for Landbay in the future. I had previously worked closely with Ian Hall (also fantastic) and whenever you start a new working relationship you worry that it may not be as seamless as the old one, but that has never been the case. Keep doing what you're doing team! P.S. If you need a mortgage, let me know!

Russell the underwriter took ownership of the case and called and e mailed if he had any questions. Emails were always very quickly replied to. Very pleased with the overall service

Portal for Landbay is simple to use and they have a common sense approach to lending. You can speak to a human being and usually get through extremely quickly. I've had great support from Cameron and Rob.

Landbay team has been very helpful every step of the way. Special mention to underwriter Chris Turner who is exceptional.

Very pleased with Landbay on a couple of recent cases. Had a tricky portfolio to place and referred to BDM Alex Witham who definitely went the extra mile to get the cases considered. He was very responsive with updates and very knowledgeable on products and criteria. The applications were submitted, valuations conducted and offers produced within 3 weeks which is unheard-of in this climate. With a massive thanks to Jasmin Locke the underwriter on this case who really went above and beyond to deal with this so quickly. Happy customer and broker.

Brilliant lender that for the reason to say Yes than no. Great experience and will be usign them again. Can do Team ! Great BDM Ian Hall and Senior underwiter James-Cooper-Smith.

What a wonderfully refreshing approach to intermediary mortgage lending. Professional, tech savvy and people based. My dealings with David Francis in particular really shone a positive light on this business and how their approach is modern, straightforward and approachable.

The new software is much better to use. Good communication and case coordination with broker. keep it up.

Amazing experience! I have recently done 2 own LTD BTL remos with Landbay. Great communication with the team, very helpful underwriter (Chris) and quick 'To offer' process. Local surveyors used so properties were appropriately valued. Highly recommend!

Loved using your new portal, Alex our BDM is fantastic and the underwriting team were great also. Really happy with the service as is my client.