1. Borrowing with LendInvest

  • Who are LendInvest’s target borrowers?

    We like to lend to property entrepreneurs: property investors, landlords and developers who are seeking fast and flexible short-term finance to buy, build or refurbish their property projects.

    We often lend to professionals who require fast funding for auction purchases, private direct sales or other investment opportunities where there is a tight deadline for completion.

    We expect our borrowers to have proven property investment or development experience.

  • Do you lend against owner-occupied property?

    No. We only lend against investment properties.

  • Do you accept second charge securities?

    Yes, but only in the context of investment properties. Such requests are assessed on a case-by-case basis. The maximum aggregate loan to value will always be 75%.

  • Do you lend against properties outside the UK?

    No. At the moment we are focussing on the UK property market. There is over £1.3 trillion in outstanding mortgage loan balances in the UK alone. It’s a massive market to operate in with a lot of scope for us to grow.

  • How long does it take to get a loan?

    Every deal is different. If you provide all the necessary information promptly and your application is approved by our underwriting team, we can approve a loan within 7-14 days.

  • How can I apply for a loan?

    You can phone one of our Business Development Managers with your initial enquiry (free from landlines) on 0800 130 3388 or 020 7118 1133.

    You can send in your enquiry with additional supporting material to [email protected].

  • What interest rate will I pay?

    The interest rate payable on a loan depends on a number of variables, including the loan-to-value ratio, property type, property location and the borrower’s previous experience. Please refer to our borrow page for full details on the products that we offer.

  • What other fees/charges may I have to pay?

    Please refer to our Product Guide to see the fees and charges that apply.

  • Over what time period can I borrow?

    We offer two suites of short-term property finance products:

    1. Unregulated short-term bridging loans for residential, semi-commercial, commercial and land projects. Borrowers may borrow for up to 36 months (loan to value up to 75%).
    2. Unregulated development loans for residential and semi-commercial projects in England, Wales and Scotland. Borrowers may borrow for up to 24 months (loan to gross development value up to 70%).

    Please refer to our Product Guide for more information.

  • What is title insurance?

    This is insurance obtained against unknown but existing title defects. This avoids the need for standard conveyancing and other property related searches.

  • What is the benefit of title insurance?

    Title insurance removes the need for a full report on title, making for a simpler legal process and quicker completion times.

  • Does title insurance offer me additional legal protection?

    No. The policy protects the lender should a defect in title be discovered after releasing funds to the borrower.

  • Do I still need to pay for a solicitor?

    Yes. But, as title insurance avoids the need for standard conveyancing, you may save on some legal costs.

  • Does title insurance apply to all LendInvest products?

    No. Title insurance applies only to the following products, and the loan amount must be £750,000 or less:

    • Residential Bridging loans (refinance only)
    • Auction finance (residential properties only)
    • Buy-to-Let standard property and HMO remortgages (not MUFBs)
  • I’m a borrower, how can I contact LendInvest if I need to make a complaint?

    Although we aim to provide you with the highest standards of service, there may be occasions when our service does not meet your expectations.

    If any issues arise in the course of your dealings with us, please talk to us and let us know what your concerns are. In most cases we are able to resolve your concerns and provide a solution promptly. Alternatively, you can detail your complaints by writing to:

    Loan Servicing Department
    LendInvest Limited
    Two Fitzroy Place
    8 Mortimer Street
    London W1T 3JJ
    [email protected]

    If you would like to discuss your complaint you may contact us directly on +44 0800 130 3388.

    If you write to us, we will send you a written acknowledgement promptly, but at least within five business days of receiving your complaint.

    Your concerns will be fully investigated and a detailed response (‘final response letter’) will be issued within eight weeks of receiving your complaint.

    In order for a thorough investigation to be undertaken, please include as much information as possible in your complaint. If you have any concerns or you want an update on our progress before you receive the final response letter, you should contact the member of staff whose name appears on the acknowledgement.

    Once we have all the necessary information, we will consider the complaint fairly and impartially before giving you a written response indicating our decision. You may accept our view or reject it. If you reject it, we will revisit your complaint in light of any additional comments you make. If you do not respond, we will treat your complaint as closed. In the unlikely event that no response is provided by us within the eight week period, we will write to you again explaining why.

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2. Buy-to-Let mortgages