View more on these topics

One to One: Filip Karadaghi, chief executive, Landlordinvest


Working hard, appreciating the small things in life and supporting efforts to tackle the UK housing crisis

LandlordInvest just got its full FCA authorisations. What are your plans for the company?

We are quite late to the party and many P2P lending platforms have been operating under interim permission with time to develop their business, so we will have to learn from them and use that knowledge to develop our own value proposition quickly.

Our next steps are to build up a track record among the borrower and lender community and show why they should choose us as their go-to platform. Our focus is not volumes, but providing a quality and market leading service.

What are your views on the future of P2P buy-to-let and bridging?

I believe that the future for P2P buy-to-let and bridging is very bright.

It is still less popular, in terms of lending volumes, than unsecured P2P lending (lending to individuals and business) but it is becoming more popular as lenders realise the benefits of property-backed P2P lending and the benefit of having a realisable security in the event of a borrower default.

According to the latest crowdfunding report from Nesta, which publishes the leading research report in the P2P industry, real estate loans is the fastest growing sector in P2P.

The new IFISA will further increase interest for P2P lending, given that cash ISAs offer returns of less than 1 per cent per annum, while the IFISA may offer returns of up to 10 per cent per annum.

As a child, what was your dream job?

Growing up in Moscow during the Soviet era, my dream was to become the president.

I think it was something to do with the fact that leaders were glorified during those times, and given that children are easily impressionable I wanted to be just as glorious as they seemed.

Do you have any secret talents?

I was quite good at chess when I was a child – one of the best in my age group in the country. I stopped competing when I reached my teenage years, which is a bit of shame as many of my competitors from that time went on to became chess Grandmasters – the highest title a chess player can attain.

What are your hobbies?

I like socialising and live in London – the perfect city in which to do so. I am also quite outdoorsy and enjoy spending time in the forest, something that I do much less since moving to London, unfortunately.

However, I try to spend as much time as I can with nature every time I visit my family in Russia and Sweden.

What is the best advice you have received?

Work hard and be fully dedicated to anything you do, but do not take life too seriously and appreciate the small things around you.

Who is your all-time hero, and why?

Socrates was my first hero as he stood up for himself against the masses, even though he knew that he was right and they were wrong – which, unfortunately, led to his death.

I guess this is quite similar to being an entrepreneur – believe in yourself and keep on going, regardless of what other people around you might have to say.

If you were not in your current role, what would you be doing?

I would probably be a property developer, building houses and solving the UK’s housing shortage.

What is the toughest decision you have ever had to make?

I have had to make many tough decisions in my life – and life is the consequence of many decisions – so it is difficult just to choose one.

If you were chancellor for a day, what would you do?

I would implement more policies to encourage house building and stop pursuing landlords for inefficiencies existing in the housing market due to the lack of housing stock supply.


Year established: 2014
Number of staff:  Five
Address: 98 Victoria Road, London NW10 6NB
Tel: 020 3859 4611

Launched on 5 December after waiting for two years to become fully FCA authorised.


Chancellor allocates funding for 3,000 Right to Buy homes

In the Autumn Statement, the Chancellor announced that the Government will fund a so-called “large-scale” regional pilot of the Right to Buy scheme for housing association tenants. The pilot will enable more than 3,000 tenants to buy their own home with Right to Buy discounts. Commenting on the pilot, north London estate agent and former […]

CML to collect BTL data in 2017

The Council of Mortgage Lenders will begin collecting buy-to-let lending data in 2017. The trade body gave details for the expansion in its 2016 member review document. The CML document says: “With the Bank of England set to introduce new requirements for firms reporting data on buy-to-let lending, we plan to develop a parallel system […]


CML downgrades 2017 lending forecasts

The Council of Mortgage Lenders has downgraded its 2017 lending forecasts from £261bn to £248bn due to economic uncertainties, tax increases and housing regulatory changes. The CML now expects gross lending of £248 billion in 2017 and £252 billion in 2018, with net lending of £30 billion in each of those years. CML director general […]

A bull case for US equities?

Neptune video: a bull case for US equities?

Watch Felix Wintle, head of US equities at Neptune, discuss why he believes US equities are in a structural bull market and the key factors that can drive the S&P 500 higher.

In the video, Wintle addresses the following:

• The US market and why — despite equities rising from 2009 — he believes the structural bull market only started in 2013
• Key economic and corporate factors that can drive the S&P 500 higher
• Investment themes and sectors offering exposure to the domestic recovery


News and expert analysis straight to your inbox

Sign up

Why register with Mortgage Strategy?

Mortgage Strategy continues to be the market-leading B2B mortgage publication in the UK, and provides trusted, independent insight with the aim of helping, promoting and analysing the latest developments for mortgage professionals.

News & analysis delivered directly to your inbox
Register today to receive our range of news alerts including daily and weekly briefings

Mortgage Strategy Events
Be the first to hear about our industry leading conferences, awards, webinars and more.

Research and insight
Take part in and see the results of Mortgage Strategy's flagship investigations into industry trends.

Have your say
Only registered users can post comments. As the voice of the adviser community, our content generates robust debate. Sign up today and make your voice heard.

Register now