Although Britain's online property industry is at risk from a market slowdown, Landbay has lent £44m on £65m-worth of prime residential since 2014.

The proptech firm is the only specialist buy-to-let lender using a peer-to-peer funded model – offering everyday investors a chance to access robust returns of the buy-to-let mortgage market.

See more of our 101 tech start-up disrupters here.

And check out our 101 rising stars of tech - the exciting firms which did not make the main list but have the potential to grow.