What LendInvest Offers
You get three property finance products under one roof, which is the point of LendInvest. It writes bridging, buy-to-let mortgages and development finance, so a single lender can carry you from buying a site to holding the finished asset.
Your route between products is where it gets useful. The bridge-to-let deal rolls a purchase bridge straight into a term buy-to-let loan, and we read it as built for investors who want one lender and one underwrite, not two applications and two gaps in your cash flow.
You can’t treat it as a high-street bank, though. On the Monday your broker frames the case, LendInvest is the specialist you reach for when speed or an awkward property matters more than the finest rate. That’s the trade-off.
| Product | What it funds | Indicative terms |
|---|---|---|
| Bridging | Short-term purchase, refurbishment, chain-break, auction | Up to 75% LTV (80% on request), from 0.54% a month |
| Buy-to-let | Standard property, small HMOs, holiday lets | Up to 80% LTV, rates from 3.89% |
| Bridge-to-let | A purchase bridge that converts to a term BTL loan | Up to 75% LTV, from 0.75% a month |
| Development finance | Ground-up and heavy refurbishment schemes | Sized to around 70% of gross development value |
| Indicative terms checked against LendInvest intermediary product pages (lendinvest.com/intermediaries), July 2026. Quoted per case, not a fixed rate card. | ||
LendInvest Rates and LTVs
0.54% a month is the headline bridging rate, and it is the number that draws people in. That figure is for a low-LTV, straightforward case; a more complex or higher-LTV bridge runs toward 1.2% a month, so your cash flow feels the range.
Your buy-to-let pricing starts from 3.89%, with up to 80% LTV on five-year products for standard property and small HMOs. In our reading of the published sheets, the keenest rate always sits at the lower LTV bands, as it does with every lender.
You can’t read a headline rate as your rate. At month-end your accountant models the bridge at both ends of the range. That gap is the whole decision.
How LendInvest Lends
You apply through a mortgage broker, not directly, because LendInvest is an intermediary-only lender. That means your broker packages the case, and the quality of that packaging does more for your outcome than anything you do alone.
Your real reason to pick it is speed. LendInvest is technology-led and built for timely completions, so on a Friday when an auction deadline is bearing down, its process is designed to move faster than a high-street bank can, which protects your deal and your deposit.
You still meet real underwriting. We haven’t tested the application ourselves, and LendInvest states it keeps requirements straightforward, but a bridge is still judged on the exit, so a credible way out protects your cash flow more than a low headline rate does.
Who LendInvest Is For
You fit LendInvest if you value speed and flexibility over the absolute cheapest rate. Property investors, developers and portfolio landlords are the core market, and the HMO and holiday-let products widen it to owners the high street often turns away.
Your case suits it best when timing is tight or the property is non-standard. On the Thursday a chain breaks or an auction lot needs fast funding, a specialist earns its premium, because the deal completing is worth more to your cash flow than shaving the rate.
LendInvest’s Regulation and Track Record
You’re dealing with an established, listed lender, not a start-up. LendInvest is FCA-authorised under reference 735360 and has been listed on the London Stock Exchange’s AIM market since 2021, which gives you public reporting and scrutiny behind the brand.
Your confidence can also rest on scale. LendInvest has funded more than £5bn against UK property, and we treat that long track record as real reassurance in a specialist space where a newer name would carry more risk for your cash flow.
LendInvest Property Finance FAQs
What does LendInvest lend on?
LendInvest is a specialist property lender covering three main areas: bridging finance (short-term loans for purchases, refurbishment, chain-breaks and auctions), buy-to-let mortgages (including small HMOs and holiday lets), and development finance for ground-up and heavy-refurbishment schemes. It also offers bridge-to-let, which rolls a purchase bridge into a term buy-to-let loan under one lender. That breadth is the appeal: an investor can stay with a single lender from buying a property through to holding it long-term.
What rates and LTVs does LendInvest offer?
As a working framework: bridging runs up to 75% LTV (80% on request) with rates from around 0.54% a month for low-LTV, straightforward cases, rising toward 1.2% a month for complex or higher-LTV deals. Buy-to-let rates start from around 3.89% with up to 80% LTV on five-year products. Development finance is typically sized to around 70% of gross development value. LendInvest doesn’t publish a fixed rate card that fits every case, so treat these as indicative and confirm your own terms through a broker.
Can you apply to LendInvest directly?
No. LendInvest is an intermediary-only lender, so you apply through a mortgage broker rather than going direct. In practice that’s an advantage on specialist finance: a good broker knows how to package the case, match it to the right LendInvest product, and present the exit strategy a bridge or development loan will be judged on. If you don’t already work with a commercial or specialist property broker, that’s the first step before an application.
Is LendInvest a safe, regulated lender?
LendInvest is authorised and regulated by the Financial Conduct Authority under firm reference number 735360, and it has been listed on the London Stock Exchange’s AIM market since 2021, which brings public financial reporting and external scrutiny. It has funded more than £5bn against UK property. That doesn’t remove the ordinary risks of borrowing against property, and much of its lending to companies and investors is unregulated commercial lending, so read the terms and confirm the exit before you commit.
How we reviewed LendInvest
What we covered. We assessed LendInvest across the property finance decisions that matter in 2026: its product range (bridging, buy-to-let, development, bridge-to-let), indicative rates and LTVs, the broker-only model, its regulatory status and track record, and which borrowers it suits.
Data sources. Rates, LTVs and product detail were checked against LendInvest’s published intermediary materials and product sheets, and the regulatory facts against the FCA Register (firm reference 735360) in July 2026.
How we handle gaps. LendInvest does not publish a single rate card that fits every case, so we give indicative ranges and say your own terms depend on the property, the LTV, the exit and your broker.
Update cadence. We re-verify this page at least monthly, and whenever the MPC moves base rate. The verification date reflects the most recent full review. Some links on this page are affiliate links, see our editorial policy.
Regulatory note. This page is editorial content, not regulated financial advice. Much property finance lending to companies and investors is unregulated, so compare facilities and read the terms before you sign.