1. John Goodall CEO & Co-Founder Lendit Europe 2015

3. Landbay.co.uk About Landbay Peer-to-Peer Lending for Buy-to-Let Mortgages First loan: July 2014 Average LTV ratio: 66.5% Average loan size: £172,307 Tracker Average Borrowing Rate: 4.54% Total loans completed to date: 71 Average rental income vs interest cost: 168.86% Fixed Average Borrowing Rate: 5.12%

4. Landbay.co.uk BTL Mortgage Market Gross Mortgage Lending ( £ m per quarter 2007-15) Source: Prudential Regulatory Authority (PRA)

5. Landbay.co.uk UK Buy-to-Let Mortgage Market

6. Landbay.co.uk Changes for Buy-to-Let

7. Landbay.co.uk Resilience of BTL Mortgage Credit Landlord Mortgage & Tenant Arrears

8. Landbay.co.uk Resilience of BTL Mortgage Credit Average Rent Source: LSL

9. Landbay.co.uk Stress Testing Available at Landbay.co.uk/reports

10. Landbay.co.uk Download Our Loan Book Available at Landbay.co.uk/statistics

11. Landbay.co.uk | +44 (0) 20 3817 7700 | info@landbay.co.uk | @LandbayUK