I’m sorry that your experience with Landbay hasn’t met your expectations and I would like to use this opportunity to explain further around your areas of frustration. Unfortunately, due to the nature of how Landbay mortgages are funded we cannot offer a partial retention facility. In regards to Solicitors, we are quite flexible, we operate with a panel from which a firm can be chosen, or new firms who would like to join our panel can apply but are subject to meeting minimum standards, such as a minimum of 4 SRA partners and professional indemnity cover of £3m. If a solicitor meets the requirements they can be added to our panel and represent both the applicant and Landbay. In our experience the average professional indemnity cover we encounter is £7m, but I will happily discuss this further if you would like to get in touch my email address is paul.brett@landbay.co.uk