Where Lendlord's Landlord Figures Come From
Every number Lendlord publishes about rents, mortgages, bridging and compliance traces back to one of the sources below. This page sets out what each source counts, the privacy rules we apply, and what the data cannot tell you.
Data methodology · Snapshot 30 Sep 2026
The sources behind our figures
Each figure on a Lendlord page is captioned with one of these sources. Platform snapshots are dated 30 September 2026. Two sources are never blended into one claim.
Lendlord platform records
| Source | What it counts | Size | Window |
|---|---|---|---|
| Portfolio records | Owned properties, their recorded value and mortgage | 30,121 properties | Snapshot |
| Let homes | Recorded rent on homes with a live tenancy | 23,952 let homes | Snapshot |
| Live mortgages | Rate and expiry date on mortgages landlords record | 15,130 mortgages | Snapshot |
| Saved deal analyses | Purchase price, expected rent and strategy on deals landlords model | 5,535 analyses | 12 months to the snapshot |
| Buy-to-let product searches | Loan, LTV and repayment type entered in product searches | 2,788 searches | 90 days to the snapshot |
Lendlord finance and research
| Source | What it counts | Size | Window |
|---|---|---|---|
| Bridging loan book | Funded bridging loans: size, LTV, rate, term, exit and timeline | The 272 recent Lendlord bridging deals approved for disclosure, £54.97M lent | Aug 2021 to Aug 2026 |
| Lendlord Benchmarks | Portfolio cash flow, equity, yield and LTV by portfolio size | Lower, median and upper bands | September 2026 edition |
| BTL Market Report | Ownership, lending and tenancy charts by region | Quarterly report | Q3 2026 |
| Tenancy agreement survey | How landlords source and check tenancy agreements | 53 respondents | 10 to 13 September 2026 |
Public sources we pair with our own
| Source | What it counts | Size | Window |
|---|---|---|---|
| ONS Price Index of Private Rents | Average private rents and annual change by local authority | Official statistics in development | Monthly, latest Aug 2026 |
| HM Land Registry Price Paid | Recorded house sales and prices | All registered sales | 12 months to Aug 2026 |
| EPC register (MHCLG) | Energy rating of lodged certificates | Lodged certificates | 2016 to 2026 |
Sizes count records (properties, mortgages, analyses, searches, deals), not people. Public sources are named in the same sentence as any figure taken from them.
Privacy rules every figure passes
Aggregates only, 10 or more records
We publish a figure only when it summarises at least 10 records. A city with fewer than 10 records rolls up to its region. If the region is also under 10, the figure is left out.
Nothing that identifies a person
Every platform figure comes from Lendlord accounts approved for disclosure, never from the full user base, and we do not publish how many landlords use Lendlord. Bridging figures come from Lendlord's latest bridging deals, of which 272 are approved for disclosure.
No names, contact details, dates of birth, tax references, bank details, full street addresses, message text or tenant identities. Single deal stories are anonymised and never carry an address.
No headcounts of our users
We describe the population as landlords on Lendlord and state the number of records behind a figure, never how many landlords or accounts sit behind it.
Records, not surveys of the whole market
Platform figures describe what landlords on Lendlord record. They are not a random sample of every UK landlord, so we say so beside each figure.
How we calculate the common measures
These definitions apply on every page unless the caption says otherwise.
- Median. We quote medians, not averages. A handful of very large loans or high-value London homes would pull an average far from what a typical landlord sees.
- Days to funds. Calendar days from a bridging application to the date funds were released. Deals with dates that contradict each other, such as a repaid date before the funds date, are left out of timing figures.
- Gross LTV on bridging. The gross loan as a share of the property value recorded at application.
- Monthly rate. The interest rate per month agreed on the bridging loan, before fees.
- Expiring within 12 months. The share of live mortgages whose recorded end date falls in the next 12 months, counted among mortgages that have an end date recorded.
- Applied rent increase. The change between the old and new rent on tenancies where a rise was recorded. Decreases and unchanged rents are not part of this figure.
- Snapshot. The state of the records on one date. Trend figures name both dates they compare.
What our data cannot tell you
We publish the gaps alongside the figures, because a number is only useful when you know what sits outside it.
- Records are only as current as landlords keep them. 34% of live mortgages on the platform have no end date recorded, and about three in four properties have no gas safety date recorded. Figures built on these fields describe the records, not the state of every home.
- The loan book shows funded loans only. Declined or withdrawn applications are not in it, so it cannot show approval rates.
- Most towns are too thin for their own figures. Of the 272 disclosed deals, only Leeds and Plymouth have 10 or more. Elsewhere we report at regional level.
- Some series are short. Rent increase records start in June 2026 and sourcing watchlist records in July 2026. We label these windows rather than calling them annual.
- Some fields are held back. Energy ratings on platform records are not published while we check a possible form default. Payment records are not yet split into late and unmarked, so we do not publish arrears rates.
- Survey answers are directional. The tenancy agreement survey had 53 respondents who chose to answer an in-app survey. We report shares with that base and avoid splitting it further.
How and when figures are refreshed
- Platform records are re-cut from a new monthly snapshot. Each page names the snapshot date it uses.
- Benchmarks and the BTL Market Report follow a quarterly cycle. Their figures keep the quarter label until the next edition replaces them.
- Bridging figures change when a new loan book export lands, and the page then says which deals are included.
- Updated dates change only when a page's figures or guidance change, never for a cosmetic edit.
Citing Lendlord data
You are welcome to quote our figures. Please name the source, the date and the base, and link to the page you took the figure from, so readers can check the context.
Lendlord platform data, snapshot 30 September 2026: 24% of 15,130 live buy-to-let mortgages with a recorded end date expire within 12 months.
For bridging figures, describe the base as the disclosed set. For public figures we reuse, cite the original publisher: the ONS Price Index of Private Rents, HM Land Registry Price Paid data and the EPC register.
Compare your own portfolio with these figures
Record your properties, rents and mortgages in Lendlord and see where you sit against landlords with portfolios like yours.