The average buy-to-let landlord tends to invest close to home, in an area that is familiar and easily accessible.

But the rise of peer to peer (P2P) lending – which matches individual borrowers and lenders through an online platform, usually offering more favourable rates and terms than traditional lenders – is bringing about a new generation of “armchair” landlords who are spreading their investments across the country.

In a typical P2P lending scenario for buy-to-let investors, the investor lends their money – through the platform – to a property developer, and sees their return when the property is developed.

This form of debt-based investment, rather than buying a bricks and mortar asset, means landlords are looking further afield for opportunities, according to Sourced Capital, a P2P lending platform and part of the property investment group Sourced.

“Spreading investments is always a better method of maximising returns, and platforms such as [ours] allow landlords to invest across the country without committing to an actual property,” says Stephen Moss, Source Capital’s founder and MD. “With the buy-to-let and wider property market requiring drastically different levels of investment and providing the same in the way of a return, peer to peer investing allows landlords to make the most of market conditions across the board, not just in the area of a single buy-to-let investment,” he adds.

Can't find what you are looking for?


Our helpful team are on hand to answer any queries and concerns you may have.


Get in Touch

This website uses cookies. We use cookies to provide social media features and to analyse our traffic.
You consent to our cookies if you continue to use our website. Read our cookie policy. I understand