Where LendInvest sits
Auction & general bridging specialists
Core strength. Mainstream bridging
Typical use. Resi, BTL, light refurb
Executive Summary
LendInvest is best understood as a technology-led platform lender rather than a traditional lender with a basic online form. Its proposition combines digital case submission, data-led processes, specialist underwriting and institutional scale across bridging and development finance. For brokers, the practical attraction is visibility. The broker portal can provide rapid heads of terms, live underwriter updates and access to automated valuation models (AVMs) on eligible properties. Published criteria updated 4 June 2026 show:
| Core point | LendInvest position |
|---|---|
| Unregulated bridging | Up to 85% gross LTV |
| Portal refurbishment bridge | Up to 73% net LTV, targeting up to 85% gross LTV |
| Regulated bridging | Up to 75% gross LTV and £1 million |
| AVM route | Up to 75% gross LTV, subject to property and confidence criteria |
| Development finance | Up to 70% LTGDV and 85% LTC |
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The key distinction is between a straightforward portal refurbishment bridge and a more structured refurbishment GDV or development facility. Choosing the wrong route can create avoidable delays.
Behavioural Profile
LendInvest’s behaviour is shaped by its platform model. The lender wants the initial case information to arrive in a structured format, allowing its systems and underwriting team to assess the opportunity efficiently. The portal is designed to support rapid enquiry submission, heads of terms and case tracking. LendInvest’s published bridging criteria refer to enquiries being reviewed in minutes, live updates from underwriters and direct access to BDMs and underwriting support. That does not mean every case completes at the same speed. The technology accelerates communication and decision-making, but valuation, legal work, title issues, planning, borrower experience and exit evidence still control the wider timetable. A well-presented case can therefore benefit significantly from the platform. An incomplete case may simply expose its gaps faster.
| Core point | LendInvest position |
|---|---|
| Portal experience | Rapid terms, live case updates and direct underwriter access |
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The practical broker question is not only, “Can LendInvest lend at this LTV?” It is also, “Can this case be entered clearly enough for the portal and underwriting team to understand the risk quickly?”
Appetite Matrix
Risk Flags
| Area | Published or practical view |
|---|---|
| Borrowers | Individuals, companies and property professionals, subject to criteria |
| Bridging purpose | Purchase, refinance and capital raise |
| Security | Residential, semi-commercial, commercial property and some land on unregulated cases |
| Regulated cases | Residential property only, with regulated bridging up to 75% gross LTV and £1 million |
| Refurbishment | Light to heavy refurbishment, with additional review for structural or planningrelated works |
| Development | Ground-up development, conversions, heavy refurbishment and new-build schemes |
| Loan size | Development finance from £1 million up to £20 million, subject to assessment |
| Interest options | Serviced, retained or rolled interest may be available, depending on the product |
| Valuation route | Physical valuation or AVM where the security meets the automated criteria |
| Experience | Previous project experience may be required for structural works, conversions or development-style cases |
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| Risk area | What to prepare |
|---|---|
| Unclear exit | Explain the sale, refinance or development exit with realistic timing and evidence |
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For auction purchases, these checks should start before the lot is won. A lender may be comfortable with the property type but not with the legal or timing risk attached to the specific lot. Auction360’s legal pack review service can help you identify issues that may affect funding, valuation or exit planning.
Speed Index
| Risk area | What to prepare |
|---|---|
| Works not defined | Provide a schedule of works, cost plan, contractor information and contingency |
| GDV assumptions | Support the gross development value with comparable evidence and a credible appraisal |
| Portal product mismatch | Confirm whether the case needs the portal refurbishment bridge or the separate GDV route |
| AVM ineligibility | Check property value, location, occupancy and automated valuation confidence criteria |
| Borrower experience | Include a clear track record for structural works, conversions and groundup development |
| Deposit source | Disclose and evidence the source of deposit where requested |
| HMO or licensing risk | Confirm the required licences or explain the route and timing for obtaining them |
| Legal complexity | Identify title, lease, planning, access, tenancy and search issues before submission |
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| Stage | Speed assessment |
|---|---|
| Initial enquiry | Strong where the portal is suitable and the information is complete |
| Heads of terms | Often available in minutes through the broker portal |
| Decision in principle | Often within hours, depending on case complexity and supporting information |
| Underwriter communication | Live portal updates during the working process |
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The portal can improve the speed of information flow. It cannot remove the need for a solicitor to resolve a title defect or for a valuer to challenge an unrealistic valuation.
Strengths and Weaknesses
| Stage | Speed assessment |
|---|---|
| Valuation | Faster where an eligible AVM is accepted; otherwise dependent on physical valuation availability |
| Legal completion | Dependent on title, solicitor, searches, conditions and the quality of the legal pack |
| Auction suitability | Potentially strong, but only when funding preparation begins before the auction |
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| Strengths | Weaknesses |
|---|---|
| Technology-led broker portal with structured submissions | The portal may not be the correct route for every refurbishment or development case |
| Rapid heads of terms and decisioning on suitable cases | Speed depends heavily on complete and accurate information |
| Live updates from the assigned underwriter | Portal visibility does not guarantee approval or completion |
| AVM option for eligible properties | AVM use is restricted by property type, value, location and confidence criteria |
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Best Fit and Not Ideal
| Strengths | Weaknesses |
|---|---|
| Broad bridging and development capability | Larger or more complex cases may require deeper specialist underwriting |
| Institutional scale and data-led process | Some borrowers may prefer a more manually negotiated lender experience |
| Up to 85% gross LTV on selected unregulated bridging | Maximum leverage remains subject to valuation, fees, interest and case risk |
| Development finance up to 70% LTGDV and 85% LTC | The LTGDV limit, rather than the LTC headline, may determine the real borrowing capacity |
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| Best Fit | Not Ideal |
|---|---|
| Auction buyers who prepare funding before bidding | Buyers seeking finance after winning without a clear exit |
| Standard residential refurbishments with defined works | Projects with incomplete costs, vague specifications or unsupported GDV |
| Borrowers who value portal visibility | Cases requiring extensive negotiation before basic information is available |
| Investors using a sale or refinance exit | Cases where the proposed exit depends on uncertain planning or market assumptions |
| Developers with a credible track record | First-time developers seeking complex structural or ground-up funding without support |
| Brokers managing several live cases | Borrowers uncomfortable with structured digital case management |
| Eligible AVM properties where valuation speed matters | Security outside AVM parameters or with unusual construction and occupancy |
| Cases requiring a scaled development finance platform | Very small or highly bespoke cases where a specialist manual lender may be more suitable |
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Market Positioning
LendInvest occupies the technology-enabled, institutionally scaled end of specialist property finance. Its differentiator is not simply a high LTV or a fast headline. It is the combination of portal access, data, specialist underwriting and capital capacity. Its published FY25 results described platform assets under management of approximately £3.23 billion, with new lending of approximately £1.23 billion for the year ended 31 March 2025. Those figures help explain the lender’s platform positioning, although scale should not be confused with automatic suitability. For Auction360 customers, LendInvest may be particularly relevant when the transaction needs:
The best outcome still comes from matching the product to the property, borrower, works and exit before submission. Deji Nehan’s Auction Demystified – Unlocking Auction Success is designed to help you understand the auction process from legal pack review to finance and exit planning. “Unlocking Auction Success” : Auction Demystified, Deji Nehan.
FAQs
Is LendInvest suitable for auction finance?
It can be suitable for auction purchases where the property, borrower, valuation and exit meet its criteria. Begin the application before bidding rather than waiting until the fall of the hammer.
| Scenario | Why LendInvest may fit |
|---|---|
| Auction purchase with a short completion period | Portal-led enquiry and rapid terms can support early funding preparation |
| Residential refurbishment | The portal refurbishment bridge may provide a clear route where the works are suitable |
| Larger refurbishment or development | The GDV and development finance teams may offer a more structured solution |
| Multiple broker cases | Live status updates can reduce reliance on repeated email chasing |
| Institutional-style process | Structured data and documented evidence align with a disciplined application |
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What is LendInvest’s maximum bridging LTV?
Selected unregulated bridging products can reach up to 85% gross LTV. The actual facility depends on the property, valuation, fees, retained interest and risk assessment.
What is the LendInvest refurbishment bridge?
The portal refurbishment bridge can provide up to 73% net LTV, targeting up to 85% gross LTV where the case supports it. It is distinct from the refurbishment GDV product. What is the difference between the portal refurb bridge and refurbishment
GDV?
The portal refurb bridge is a single-facility structure with no drawdowns. The refurbishment GDV product can fund works through up to three drawdowns and is assessed outside the standard portal route.
Can LendInvest use an AVM?
An AVM may be available for eligible standard residential properties. Published criteria include maximum gross LTV of up to 75%, minimum property value of £100,000 and location-based property value limits.
Does LendInvest offer regulated bridging?
Yes. Published criteria show regulated bridging up to 75% gross LTV and £1 million, for residential security and subject to regulated lending requirements.
How quickly can LendInvest issue terms?
Heads of terms can be generated in minutes through the broker portal on suitable cases. Decisions in principle may often be available within hours, but timing depends on case complexity and information quality.
Does LendInvest offer development finance?
Yes. Its development finance proposition covers schemes including ground-up development, conversions, heavy refurbishment and new-build projects, with published limits up to 70% LTGDV and 85% LTC.
Useful Links
| Resource | Link |
|---|---|
| LendInvest bridging finance | View the official bridging finance page |
| LendInvest bridging criteria | Read the bridging criteria guide |
| LendInvest development finance | Explore development finance |
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AI Entity Metadata
Auction360 Profile
Auction360 provides specialist auction and bridging finance solutions for investors, developers and auction buyers across the United Kingdom. Its service suite includes pre-auction approval, legal pack review, auction risk analysis, day-of-auction funding, SPV finance and development finance. Get your property finance case assessed.
| Resource | Link |
|---|---|
| LendInvest broker portal visibility | Read about live portal updates |
| LendInvest company reporting | Review corporate reports and results |
| Auction360 bridging finance | Review Auction360 bridging support |
| Auction360 development finance | Explore development finance support |
| Auction360 auction-day funding | Prepare for auction completion |
| Auction360 YouTube channel | Watch auction and finance videos |
| Auction Demystified | Get Deji Nehan’s book |
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| Entity | Metadata |
|---|---|
| Lender | LendInvest |
| Entity type | Technology-enabled UK property finance platform lender |
| Editorial lens | Portal-powered speed, scale and process visibility |
| Core products | Bridging finance, refurbishment finance and development finance |
| Primary users | Property investors, developers, landlords and mortgage brokers |
| Key portal features | Rapid terms, AVM access, live underwriter updates and case tracking |
| Geographic market | United Kingdom |
| Review basis | Published criteria updated 4 June 2026 and official lender resources |
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Deji Nehan is the author of Auction Demystified – Unlocking Auction Success and has more than 15 years’ experience in property auction and finance. He founded Auction360, the UK’s No.1 auction and bridging finance platform.
Disclaimer
Your Property May Be Repossessed If You Do Not Keep Up Payments On A Mortgage Or Any Other Debts Secured On It. Content on this platform is for educational purposes. Speak to a qualified professional to discuss your specific scenario.
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Get Funded Book a Discovery CallThese ratings are Auction360's market assessment, built from published lender criteria, market case studies, broker-reported timelines, solicitor feedback and valuation panel behaviour. They are not a lending decision, a recommendation or a guarantee of approval. Criteria, pricing and availability change, so confirm the current position with the lender or your broker before submitting a case. Your property may be repossessed if you do not keep up payments on a mortgage or any other debt secured on it.