LendInvest
Leading UK property finance platform specialising in buy-to-let mortgages, bridging loans, and development finance. Institutional-grade platform with strong track record.
General Information
LendInvest Group — split into LendInvest Mortgages and LendInvest Capital — is a large platform for property finance in the UK, listed on the AIM segment of the London Stock Exchange under ticker LINV. The company launched its online investment platform in 2013, however it has since shifted its strategic focus into other areas of property finance, in particular mortgages, institutional-backed property financing and securitised lending. Nonetheless, the Self-Select platform remains in place for eligible private investors to invest into property loans.
In recent years, LendInvest has increasingly positioned itself as a technology-enabled specialist lender, and a growing proportion of its lending is funded by institutional capital, managed accounts and securitisations rather than by retail investors alone. As of late 2025, reported funds under management and administration exceed £5 billion.
How does it work?
LendInvest Capital provides bespoke property lending solutions, including development finance and structured property finance. The lending business is supported by a range of funding sources, including institutional investors, banks, securitisations and individual investors via its Self-Select platform. LendInvest relies on in-house real estate finance expertise as well as technology-enabled underwriting. Its technology platform streamlines the lending process, allowing brokers to submit applications in a user-friendly interface. Data from various third-party services is used to assess loan applications against lending policies using a proprietary engine to automate parts of the underwriting process.
What do they offer?
LendInvest, through its Self-Select platform, offers access to property loans. These property loans are structured as unregulated alternative investment funds of contractual nature, managed by LendInvest's alternative investment fund manager. As such, they are classified as unregulated collective investment schemes (non-mainstream pooled investments) and fall into the non-mass market investment category of the Financial Conduct Authority's financial promotion classification.
The Self-Select platform predominantly offers short-term property loans secured against a first charge against UK property in secondary locations (mainly outside central London). Loan-to-value ratios can go up to approximately 75%. Loan sizes are generally modest (often under £1 million), although larger loans do occasionally appear.
Investors receive monthly returns on their investment and only receive back the capital they invested at the point at which the loan is repaid by the borrower. Investment terms tend to be short, with most loans targeting repayment within around 12 months. LendInvest does not offer a secondary market, so capital is typically committed for the full term of the loan.
The platform requires an initial account funding threshold, after which investors can allocate smaller amounts across individual loans, allowing diversification in principle. In practice, the number of simultaneously available opportunities can vary, and at times there may be no active loans open for investment.
LendInvest publishes loan-level information and portfolio data to investors via the Self-Select portal. However, detailed historical performance statistics for the entire Self-Select pool are not published publicly on the company website. The platform carries a clear risk statement that capital invested is at risk and repayment timing depends on borrower performance.
Who is it for?
As a result of the classification as a Non-Mass Market Investment (NMMI), the product is only available to certain investor categories, in particular High Net Worth Individuals and Sophisticated Investors. Due to the high-risk nature and complexity of the investment, investors should assess whether their personal circumstances make a LendInvest product a suitable investment choice. In particular, investments may be repaid late or not repaid at all.
Investments are not equivalent to bank deposits and are unlikely to benefit from protection under the Financial Services Compensation Scheme (FSCS). Loans are illiquid due to the absence of a secondary market and depend heavily on borrower performance and property market conditions.
Loans with short maturities and monthly repayments tend to appeal to investors who are looking for regular income streams and quicker capital recycling. Investors might seek to capitalise on short-term market opportunities rather than committing their capital for a number of years. While first-ranking land charges against property provide a degree of structural protection, enforcement outcomes depend on property values, legal costs and timing of the sale process. This risk position is reflected in the higher interest that such lending typically commands relative to mainstream savings and fixed income products.
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Disclaimer: This article is for informational and educational purposes only and does not constitute financial advice and should not be considered as such. In particular, it does not constitute personal advice — please consult a qualified financial adviser to address your particular personal requirements. Other is not regulated by the Financial Conduct Authority (FCA), its authors are not financial advisers and it is therefore not authorised to offer financial advice. This article is not intended as an offer, invitation or solicitation for the purchase or sale of any investment, nor is its issuance intended to give rise to any other legal relations whatsoever and must not be relied upon for the purposes of any investment decision. The information contained in this article is subject to updating, revision and amendment.
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