LendInvest

LendInvest is a UK-based property finance platform and alternative asset manager that originates, underwrites and services short-term and specialist mortgages for property investors, developers and homeowners. It operates through multiple legal entities, two of which are FCA-authorised: LendInvest Funds Management Limited (FRN 624223) and LendInvest Loans Limited (FRN 737073).

LendInvest has told account holders that its Self-Select Platform is no longer offering new property investment opportunities and is being operated in a managed run-off. The wider LendInvest property-finance business continues, but the Self-Select Platform should not be treated as an active source of new retail property investments.

Why this matters: the presence of FCA-authorised entities means some corporate activities (fund management, mortgage lending) are subject to regulatory oversight; however, product-level protections and current availability vary.

LendInvest operates a dual model combining direct balance-sheet lending with institutional funding and investor-facing products, including managed funds and listed notes. The Self-Select Platform previously provided access to individual property-backed loans, but LendInvest has now placed that service into managed run-off.

The group continues to originate loans such as bridging, development, residential and buy-to-let finance. These may be held on balance sheet, placed into funds managed by the AIFM, or packaged into listed debt instruments.

Historical descriptions of self-select loan investments should not be read as an invitation to make a new investment: LendInvest’s notice says that no new property investment opportunities will be offered on the Self-Select Platform. Listed notes and managed funds are separate products with their own eligibility, terms, fees, liquidity and risk.

Wider business activities:

• Short-term bridging loans and development finance for property developers and professional investors.
• Specialist residential and buy-to-let mortgages for landlords and borrowers with non-standard incomes.
• Alternative Investment Funds (AIFs) investing in portfolios of bridging and development loans, managed by LendInvest Funds Management Ltd (AIFM).
• Listed notes/bonds issued by group entities and traded on public markets, subject to the relevant offering terms.

Self-Select Platform:

The Self-Select Platform is in managed run-off and is no longer offering new property investment opportunities. Historical reports of a £5,000 wallet deposit minimum, manual loan investment minimums from £100 and listed note subscription minimums commonly around £1,000 should not be treated as current availability or terms. Investors should confirm the status and terms of any separate product directly with LendInvest and read its offering documents.

Why this matters: the run-off changes the relevance of historical platform information. Product-level fees, minimums, eligibility and liquidity must be checked against current documentation rather than older market summaries.

Current context:

• Existing Self-Select Platform account holders who need to manage their account during the run-off period.
• Institutional, professional or other eligible investors considering separate LendInvest funds, listed notes or financing products, subject to the applicable terms and eligibility rules.
• Brokers and mortgage intermediaries seeking specialist property lending lines for clients.

Not suitable for:

Anyone assuming that the Self-Select Platform is accepting new property investments, or investors seeking FSCS protection or guaranteed returns. All investment products carry their own eligibility, liquidity and capital-at-risk considerations.

Why this matters: understanding the current status and suitability of each product reduces the risk of relying on outdated platform information.

LendInvest’s account-holder notice states that the Self-Select Platform is operating in a managed run-off and will no longer offer new property investment opportunities.

• The notice applies to account holders who have an open Self-Select Platform account but do not hold active investments or a cash balance on the platform.
• Accounts will remain open for the time being during the run-off period.
• Account holders may close their accounts at any time.

Existing account holders should contact LendInvest directly at support@lendinvest.com with questions about their account. This status update does not imply that every LendInvest business line has ceased operating.

Key regulatory facts:

• LendInvest Funds Management Limited (FRN 624223) is authorised as an alternative investment fund manager (AIFM) and oversees certain funds available via the group.
• LendInvest Loans Limited (FRN 737073) is authorised by the FCA for mortgage-related activities (mortgage lending/finance permissions).

Warnings and fraud risk:

• The FCA has published a warning about a clone firm using the name "LendInvest Loans Limited" and the genuine firm's FRN to scam people; consumers should verify firms on the FCA Register before dealing with them.
• The Central Bank of Ireland warned in 2022 about an unauthorised entity using names similar to LendInvest and operating via websites such as thelendinvest.uk, involved in advance-fee loan scams.

FSCS and product protection:

Investments made into unauthorised AIFs or direct property-loan investments on platforms of this type are generally not protected by the Financial Services Compensation Scheme (FSCS); the FCA also classifies such investments as "very complex and high risk" and warns investors they could lose all their capital.

Why this matters: regulatory status (authorised entity vs authorised product) determines what protections apply. Authorisation of a corporate entity does not automatically mean every product on a platform is FCA-regulated or FSCS-protected.