Written by Mark Langshaw Reviewed by John Tarazi
30 June 2026
Full rewrite to bring page up to date
20 April 2020
First Published
LendInvest (listed on the London Stock Exchange as LINV) is one of the UK’s leading technology-backed specialist property finance lenders. Originally starting as a peer-to-peer bridging lender, they have evolved into a major institutional asset manager, providing billions in funding for property investors, developers, and homeowners.
Their core philosophy revolves around using proprietary technology to speed up the mortgage process while maintaining the flexibility of a specialist, manual underwriter. They are designed for borrowers who fall slightly outside the rigid algorithms of the high-street giants, offering a tiered approach to credit and highly flexible income assessments.
You can compare the latest mortgage rates from LendInvest for free below using our mortgage-sourcing tool.
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A repayment mortgage of over year, APR %. Total payable (incl. product fees of ). Repayments: months at (%), then months at (%, variable). Early repayment charges apply. Rates not guaranteed.
About these rates
Rates shown are illustrative based on the property value, mortgage amount, and term you entered above. Actual rates and total cost depend on your credit profile, deposit, and lender assessment. APR figures include product fees where applicable. Early repayment charges may apply. Rates are not guaranteed and may change before you apply - speak to an adviser to confirm what's available to you today. For a per-product representative example, open Show full details on any card above.
Mortgage & Finance Products
LendInvest operates across several distinct verticals, primarily catering to property professionals but increasingly expanding into the owner-occupier residential space.
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Product Category |
Description |
Standout Features |
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Tailored for property investors, from accidental landlords to portfolio giants. |
They lend on complex assets including Large HMOs (up to 15 rooms) and Multi-Unit Freehold Blocks (MUFBs up to 10 units). |
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Newly launched in 2026, this supports investors buying retail or office units with residential flats above. |
Allows property investors to diversify their portfolios into mixed-use real estate through their standard broker portal. |
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Residential Mortgages |
Owner-occupier mortgages aimed at professionals, key workers, and those with complex incomes. |
Exceptional income multiples available, pushing up to 6.49x salary for qualified professionals and key workers. |
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Bridging Finance |
Fast, short-term finance (regulated and unregulated) for auctions or refurbishments. |
High leverage options, offering up to 75% Gross LTV, with automated valuation models (AVMs) to speed up decisions. |
Lending Criteria
LendInvest operates a highly flexible, common-sense approach to underwriting. They do not rely on automated credit scoring to reject applicants; instead, they use a tiered system based on manual assessment.
Borrower Profile & Age
They lend to individuals, Limited Companies (SPVs), Limited Liability Partnerships (LLPs), and experienced Expats. The minimum age at application is 21, and they are highly accommodating to older borrowers, allowing standard Buy-to-Let terms to run until the applicant is 85 years old at the end of the term.
Income Flexibility
For residential mortgages, LendInvest excels in complex employment structures. Following recent criteria enhancements, they now accept 100% of base pay for zero-hours contracts (provided there is a 12-month history). They are also highly receptive to CIS contractors, self-employed directors with retained profits, and applicants utilising benefit income or court-ordered maintenance. For standard BTL products, there is often no minimum personal income requirement, provided the rental income passes their stress tests.
Credit History Tolerance
Their credit criteria are structured into distinct tiers (Premier, Advantage, Progress, and Support). While they reward clean credit with their best rates, they are remarkably tolerant of historic life events. Crucially, LendInvest no longer considers missed payments or defaults on communication and utility bills as adverse credit. Minor historic CCJs or defaults can be accepted on their lower tiers, provided they meet specific age and value limits.
Property Types
They are comfortable with properties that frighten high-street banks. This includes ex-local authority housing, deck-access flats, properties adjacent to commercial premises (like pubs or places of worship), and leasehold properties provided there are at least 65 years remaining at the end of the term.
Pros and Cons of LendInvest
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Advantages |
Disadvantages |
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Technological Edge: Their bespoke broker portal is widely considered one of the fastest and most efficient in the specialist market. |
Intermediary Only: You cannot apply directly as a consumer; you must pay for a mortgage broker to access their products. |
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Generous Multiples: Offering up to 6.49x income for qualified professionals is a massive lifeline in high-value areas like London. |
Premium Pricing: Because they take on complex properties and complex credit, their interest rates are higher than vanilla high-street lenders. |
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Flexible Repayment Vehicles: They allow the sale of the mortgaged property as a valid repayment strategy for interest-only residential loans, provided there is sufficient equity. |
Strict Corporate Rules: When using a Limited Company, they strictly require the correct SIC codes related to property investment/management. |
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Customer Service and Reviews
Because LendInvest is heavily intermediary-focused, their customer service is generally judged by how well they support mortgage brokers. In the broker community, they are highly regarded for their speed and the accessibility of their Business Development Managers (BDMs).
From a consumer perspective, retention is strong. Recent 2026 trading updates highlighted a retention rate of over 56%, showing that borrowers are happy to stay and refinance with them when their initial fixed rates expire. While some borrowers find the initial underwriting document requests heavy (a side effect of manual underwriting for complex cases), the post-completion servicing is generally viewed as reliable.
How to Apply
LendInvest does not accept direct applications from the general public for its core mortgage products. You must apply through an FCA-regulated mortgage intermediary (a broker, like us).
Your broker will package your application, including your ID, proof of deposit, and income evidence (which can often be verified seamlessly via Open Banking on LendInvest's platform). The broker will then submit the case through LendInvest's proprietary online portal, where it is picked up by a dedicated case manager and human underwriter.
Make an enquiry here to book a free, no-obligation chat with a broker who specialises in LendInvest’s product range and can help you secure a deal through them.
Yes. LendInvest offers specific Expat Buy-to-Let products, accepting standard properties, HMOs, and MUFBs. They require the borrower to be an experienced landlord and generally demand a minimum employment income of £50,000, but they can lend to Expats using Limited Company structures.
For Buy-to-Let, they typically lend up to 80% LTV on standard properties and 75% on HMOs or MUFBs. For residential mortgages, depending on the credit tier, they can lend up to 90% LTV.
Yes, gifted deposits from immediate family members are perfectly acceptable for most products. However, if you are a First-Time Landlord, LendInvest will usually insist that you contribute at least 10% of the purchase price from your own personal funds alongside the gift.