Buy-to-let has always been a cornerstone of British wealth-building — and a source of endless friction between landlords, tenants, and the banks caught in between. Landbay sits on the institutional side of that equation, operating as a specialist mortgage lender focused entirely on the UK buy-to-let market. Founded in 2013, it started as a peer-to-peer lending platform before pivoting to an institutional funding model — a transition that reflects a broader maturation in the alternative lending space. Today Landbay works with mortgage brokers to originate loans, funding them through institutional capital rather than retail investors. It's a quieter, less consumer-facing kind of fintech, but that's precisely the point. By focusing on one asset class, one market, and one distribution channel, Landbay has built real depth in a space that generalist lenders tend to approach clumsily. In a UK property market that remains structurally undersupplied, specialist mortgage infrastructure isn't a niche — it's a necessity.