LendInvest
A listed property lender writing £75k to £20m of bridging, refurbishment and development finance, with heads of terms produced in minutes through a broker portal.
What they do
LendInvest is listed on the London market and funds its lending through securitisations, retail bonds and institutional mandates. Products cover unregulated and regulated bridging, refurbishment against end value, development finance and development exit, priced from 0.79 per cent a month on residential, 0.89 to 0.99 on semi-commercial, 0.99 to 1.04 on commercial and 1.10 to 1.15 on land, with a two per cent arrangement fee. A ten-click broker portal with automated valuations produces heads of terms in minutes on standard residential cases, with chartered surveyors in house for the rest.
Where they fit in a lower-mid-market raise
Scale and process are the offer. For a borrower with several property transactions running at once, a portal that returns terms immediately and a lender large enough to fund all of them is a practical advantage. Development exit facilities reach the top of a lower-mid-market requirement, and lending covers Scotland as well as England and Wales.
Where they are not the fit
Northern Ireland is not covered. Every facility needs property security, a realistic exit and, on new build, a warranty, and unfinished schemes are declined. Leverage caps at 70 per cent of gross development value, and heavy refurbishment requires prior project experience. Directors are asked for personal guarantees.
Published terms
- Pricing
- Unregulated bridging from 0.79%/month; semi-commercial 0.89-0.99%; commercial 0.99-1.04%; land 1.10-1.15%; regulated from 0.77%; refurbishment-GDV/development from 0.89%.
- Speed to terms
- Not published
- Sponsored or sponsorless
- Corporate/individual property borrowers (developers, landlords, homeowners) - not a private-equity sponsor leveraged lender
- Where they lend
- England, Wales and Scotland only; Northern Ireland not covered
- How they decide
- Broker-portal-led (10-click enquiry), automated AVM decisioning on standard residential (<=£700k London or £400k regional), mandated BDMs with direct underwriter access, two in-house MRICS surveyors monitor development deals. Authority is delegated below committee on at least part of the book
- Personal guarantee
- Typically required
- Search funds and ETA
- No published route for search-fund or first-time acquirer borrowers
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
LendInvest lends through 3 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether LendInvest lends, but which of these would own it.
Unregulated bridging (residential/semi-commercial/commercial/land)
- Facility
- £75k to £20m
- Security
- First charge over property
- Funds
- Growth · Refinance
- Rules out
- Non-property security; Northern Ireland; No realistic exit strategy
Development exit
- Facility
- £250k to £20m
- Security
- First charge over finished development
- Funds
- Refinance
- Rules out
- No new-build warranty; Unfinished scheme
Refurbishment GDV / development finance
- Facility
- £500k to £5m
- Security
- First charge, staged drawdowns, MRICS monitoring
- Funds
- Growth · Refinance
- Rules out
- Loan to gross development value over 70%; No prior project experience for heavy refurb
Limits that apply across the firm
Stated limits, taken from LendInvest’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- No appetite in consumer btl, non-property security or northern ireland
How they sit against the category
- Its published ceiling is £20m; 35 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
- It lends through 3 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does LendInvest write?
Published facilities reach £20m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
Does LendInvest require a personal guarantee?
On LendInvest's published terms, a personal guarantee is typically required. What a lender asks for on a given credit is settled in the documents, not by a published stance.
Does LendInvest lend to search funds or ETA buyers?
Not on the published evidence. LendInvest publishes no route for search-fund or first-time acquirer borrowers. A searcher's route to a lender usually runs through the quality of the target and the equity behind it.
On the record
June 2026: FY26 record lending £1.44bn (+17% YoY); adjusted EBITDA £8.7m (+200%); FUM £5.48bn (investegate.co.uk.
June 2026: LIV6 retail bond £75m at 8% coupon to 2032 (FY26 results.
2026: LIV5 retail bond £75m at 8.25% coupon to 2030 (FY26 results.
2025: Mortimer 2025-1 RMBS £310.6m, AAA senior at 81bps over SONIA, 7th consecutive securitisation (investegate.co.uk.
April 2025: Promoted Leanne Ardron and Steve Lark to MD roles (multiple trade press.
Sources: lendinvest.com
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.