Don't invest unless you're prepared to lose money. This is a high-risk investment. You may not
to access your money easily and are unlikely to be protected if something goes wrong.
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Loans provided to borrowers through LandlordInvest are provided solely for business purposes. Loans are
therefore not regulated by the Financial Services and Markets Act 2000 or the Consumer Credit Act 1974.
You should seek independent legal advice if you are in any doubt as to the consequences of the loan not
being a regulated agreement under those Acts.
LandlordInvest Limited is authorised and regulated by the Financial Conduct Authority (FCA) (FRN 660926).
LandlordInvest Limited is not covered by the Financial Services Compensation Scheme (FSCS).
Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment
be high risk.
What are the key risks?
1. You could lose the money you invest
Many peer-to-peer (P2P) loans are made to borrowers who can't borrow money from traditional
lenders such as
banks. These borrowers have a higher risk of not paying you back.
Advertised rates of return aren't guaranteed. If a borrower doesn't pay you back as agreed,
could earn less
money than expected. A higher advertised rate of return means a higher risk of losing your
These investments can be held in an Innovative Finance ISA (IFISA). An IFISA does not reduce
risk of the
investment or protect you from losses, so you can still lose all your money. It only means
gains from your investment will be tax free.
2. You are unlikely to get your money back quickly
Some P2P loans last for several years. You should be prepared to wait for your money to be
returned even if the
borrower repays on time.
Some platforms may give you the opportunity to sell your investment early through a
there is no guarantee you will be able to find someone willing to buy.
Even if your agreement is advertised as affording early access to your money, you will only
your money early
if someone else wants to buy your loan(s). If no one wants to buy, it could take longer to
your money back.
3. Don't put all your eggs in one basket
Putting all your money into a single business or type of investment for example, is risky.
Spreading your money
across different investments makes you less dependent on any one to do well.
If the platform fails, it may be impossible for you to collect money on your loan. It could
years to get
your money back, or you may not get it back at all. Even if the platform has plans in place
they may not work in a disorderly failure.
5. You are unlikely to be protected if something goes wrong
The Financial Services Compensation Scheme (FSCS), in relation to claims against failed
regulated firms, does
not cover investments in P2P loans. You may be able to claim if you received regulated
invest in P2P,
and the adviser has since failed. Try the FSCS investment protection checker here.
Protection from the Financial Ombudsman Service (FOS) does not cover poor investment
performance. If you have a
complaint against an FCA-regulated platform, FOS may be able to consider it. Learn more
FOS protection here.
If you are interested in learning more about how to protect yourself, visit the FCA's website here.
For further information about peer-to-peer lending (loan-based crowdfunding), visit the FCA's