John is CEO and co-founder of Landbay. Landbay launched in May 2014 and is the only peer-to-peer investment platform to focus solely on the UK residential mortgage market. John has over 20 years’ experience working across a broad range of industries. Prior to setting up Landbay, John co-founded and managed a leading financial services executive search business. He also spent 3 years teaching economics at a leading London educational establishment and has held a senior executive role in stockbroking. John holds an MBA from Imperial College, London and a BA (hons) in Economics from Durham University.
Demand from both investors and borrowers for dis-intermediated platform lending is at an all time in the UK and Europe but with the UK's departure from the EU, as well as a more mature stage of the economic cycle evident, how will the next phase of growth occur?
John explained that buy-to-let offers two forms of security: the familiar first-charge against a property, and a stable cashflow in the form of rental income.
Landbay (the lender) can become the receiver of that rent in the event of a default.
Rental prices have been significantly less volatile than house prices over the past ten years, with only one slight wobble in 2009, otherwise rising 2-3 per cent a year in line with normal earnings.
John said that the supply of new rental properties is not growing in line with demand – and that rental growth will increase in the next few years.
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