LendInvest
A UK property-finance fintech providing mortgages, property development lending and investment access to secured property loans.
Last updated August 26, 2026
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Overview
LendInvest is a British non-bank mortgage lender and property-finance platform. It provides funding to property professionals, developers and small and medium-sized businesses, while also enabling individuals, companies and institutional investors to obtain exposure to secured property loans originated and underwritten by its lending team. Its principal lending activities include short-term property finance, development finance and buy-to-let mortgages for UK property investors. The business originated from Montello, a London-based specialist short-term property finance lender, and was launched as a separate platform in 2013. Its model combines technology-enabled loan origination with specialist credit assessment and servicing. Rather than operating primarily as a conventional high-street bank, LendInvest has positioned itself as an alternative lender focused on property transactions that may require speed, specialist underwriting or a more flexible structure than mainstream bank finance typically provides. LendInvest expanded its funding model over time. In addition to capital provided through its lending and investment platform, it raised capital from external investors and introduced a retail bond on the London Stock Exchange in 2017. The company also entered the UK buy-to-let market in November 2017. In June 2019 it completed a £259 million securitisation of buy-to-let loans, described in the reference material as the first securitisation of its own assets by a fintech business. The company has also pursued activities intended to support the wider property-development ecosystem. In 2016 it launched the LendInvest Property Development Academy, a not-for-profit training programme for aspiring property entrepreneurs. The programme was developed with the University of Reading and supported by the Home Builders Federation, with courses held in several UK cities. LendInvest has additionally published policy research on the role of smaller housebuilders in addressing the United Kingdom's housing shortage. LendInvest became a public company in July 2021 through a listing on the London Stock Exchange's AIM market. Its reported operations cover the United Kingdom, with regional staff serving southern England, northern England and Scotland. The company's brand proposition rests on specialist property expertise, technology-supported lending, access to alternative finance and the ability to connect borrowers with investors through secured property-backed products.
History
LendInvest was launched in 2013 after being spun out of Montello, a London-based specialist lender focused on short-term property finance. The new business developed a platform model in which property borrowers could seek specialist finance while investors could gain exposure to secured loans originated and serviced by LendInvest. Its target customers included property professionals, developers and small and medium-sized businesses across the United Kingdom. The company's early development reflected the growth of alternative lending and financial technology in the UK property market. LendInvest sought to combine online platform capabilities with specialist mortgage underwriting and loan servicing. This allowed it to address property transactions requiring short-term funding, development capital or a buy-to-let structure. Its regional coverage included teams serving southern England, northern England and Scotland. LendInvest began publishing independently audited annual reports in 2015. The company reported revenue growth of 20% to £40 million and underlying operating profit of £2.6 million for the year ended 31 March 2017. In March 2016, Atomico, the European venture-capital firm co-founded by Niklas Zennström, invested £17 million in the company. In June 2017, LendInvest received its third SQ1 Servicer Quality Rating from ARC Ratings, an assessment relating to its processes for originating, underwriting and servicing property loans. The company also pursued initiatives beyond lending. In September 2016, it established the LendInvest Property Development Academy, a not-for-profit two-day course designed to help aspiring property entrepreneurs develop the skills needed to build property portfolios. The programme was created with the University of Reading and supported by the Home Builders Federation. Courses were offered in London, Manchester, Edinburgh, Bristol and Birmingham. In June 2017, Scottish housing minister Kevin Stewart attended the launch of the Edinburgh course. LendInvest contributed to housing-policy discussions through its February 2017 report, "Starting small to build more homes: A blueprint for better policymaking in the property SME market." The report argued that smaller housebuilders were important to addressing the UK's housing shortage and called for policy changes to improve their prospects. Conor Burns MP formally launched the report on 21 March 2017. In November 2017, LendInvest entered the UK buy-to-let market. The expansion added a longer-term mortgage product to its existing short-term and development-finance activities. In August 2017, the company had also launched a listed retail bond on the London Stock Exchange. The issue closed ahead of schedule after being oversubscribed and gave the business another source of funding. A major funding milestone followed in June 2019, when LendInvest completed a £259 million securitisation of buy-to-let loans. The transaction was presented as the first instance of a fintech business securitising its own assets. LendInvest later became a public company in July 2021 through an admission to the London Stock Exchange's AIM market. It continues to operate as a UK property-finance platform serving borrowers and investors through mortgage, development and investment products.
- 2021
Admission to AIM
[1]LendInvest becomes a public company through a listing on the London Stock Exchange's AIM market.
- 2019
£259 million buy-to-let securitisation
[1]LendInvest completes a £259 million securitisation of buy-to-let loans.
- 2017
Retail bond is listed
[1]LendInvest issues a listed retail bond on the London Stock Exchange; the offering closes early after being oversubscribed.
- 2017
Buy-to-let lending launches
[1]The company enters the UK buy-to-let mortgage market.
- 2016
Atomico invests in LendInvest
[1]Atomico invests £17 million in LendInvest, supporting the company's development as a financial-technology lender.
- 2016
Property Development Academy launches
[1]LendInvest launches a not-for-profit training programme for aspiring property developers in collaboration with the University of Reading.
- 2015
Annual reporting begins
[1]The company begins publishing independently audited annual reports on its website.
- 2013
LendInvest is launched as a standalone platform
[1]LendInvest is spun out of Montello and begins operating as a specialist property-finance and investment platform.
Products and positioning
A specialist UK property-finance fintech and alternative lender combining technology-enabled underwriting with property-backed lending and investment products.
Property lending · 2013
Short-term property finance
Short-term mortgage and bridging-style finance for UK property professionals, investors and businesses. The product is designed for transactions requiring specialist underwriting and relatively rapid execution, including property acquisitions and other time-sensitive funding needs.
Development lending · 2013
Property development finance
Finance for property developers and smaller housebuilders undertaking residential development projects. LendInvest's development-lending activity forms part of its broader focus on specialist property borrowers and SMEs that may not be served fully by conventional bank lending.
Mortgage lending · 2017
Buy-to-let mortgages
Mortgage products for UK property investors seeking finance for buy-to-let properties. The product line was introduced in 2017 and later formed the underlying asset base for the company's £259 million buy-to-let securitisation in 2019.
Investment platform · 2013
Property investment platform
A platform through which individuals, corporates and institutions can invest in secured property loans originated and underwritten by LendInvest. It connects investor capital with property-backed lending opportunities.
Investment product · 2017
Listed retail bond
A retail bond listed on the London Stock Exchange and issued to provide an additional funding channel for LendInvest. The 2017 issue closed early after being oversubscribed.
Marketing campaigns
- 2017Starting small to build more homes
United Kingdom
A policy report examining the difficulties faced by small and medium-sized housebuilders and proposing measures to help them contribute to the UK's housing supply.
Outcome. The report was formally launched by Conor Burns MP on 21 March 2017 and contributed to public discussion of policy support for smaller property firms.
- 2016LendInvest Property Development Academy
United Kingdom
A not-for-profit two-day educational programme for aspiring property entrepreneurs, developed with the University of Reading and supported by the Home Builders Federation. Courses were held in multiple UK cities.
Outcome. The programme expanded beyond London to Manchester, Edinburgh, Bristol and Birmingham; the Edinburgh course was launched with Scottish government participation in 2017.
Brand decisions
2021
Public listing on AIMStrategyBackground
After developing its specialist lending and investment platform, LendInvest moved to public-market ownership.
Action taken
The company listed on the London Stock Exchange's AIM market in July 2021.
Aftermath
LendInvest became a publicly listed company, although the supplied reference material does not specify its ticker or listing valuation.
2019
Securitisation of buy-to-let loansStrategyBackground
LendInvest sought to access capital-markets funding for its growing buy-to-let lending business.
Action taken
The company completed a £259 million securitisation of its own buy-to-let loan assets.
Aftermath
The transaction was described as the first securitisation of its own assets by a fintech business.
Securitised buy-to-let loans. £259 million (June 2019)
2017
Launch of the listed retail bondProduct launchBackground
LendInvest sought to broaden its funding base beyond its existing lending and investment channels.
Action taken
The company issued a retail bond on the London Stock Exchange; the offering closed early after being oversubscribed.
Aftermath
The bond became an additional funding channel and was noted by the Daily Telegraph's Questor column for inclusion in its Income Portfolio.
2017
Entry into UK buy-to-let lendingStrategyBackground
The company had previously focused mainly on short-term property finance and development lending.
Action taken
LendInvest launched buy-to-let mortgages for UK property investors.
Aftermath
Buy-to-let loans subsequently became the basis of a £259 million securitisation completed in 2019.
Recent events
LendInvest launches integration with Synectics Solutions' SIRA platform[3]
Reported:
LendInvest launched an integration with Synectics Solutions' SIRA platform, connecting the SIRA API to its buy-to-let application service to automate fraud-detection searches for mortgage applications.
LendInvest appoints Anurag Sharma as fund manager[4]
Reported:
LendInvest appointed Anurag Sharma as fund manager for its property finance platform.
LendInvest introduces legal-fee cashback[5]
Reported:
LendInvest announced a £500 cashback contribution towards legal fees for eligible customers taking out a five-year fixed BTL mortgage for standard property types on products up to 75% LTV.
LendInvest expands BTL lending criteria[5]
Reported:
LendInvest announced changes to its buy-to-let product range, including higher maximum loan sizes and revised definitions for HMO and MUFB properties.
LendInvest appoints Rod Lockhart CEO as Christian Faes becomes Executive Chairman[6]
Reported:
LendInvest announced that co-founder and longtime CEO Christian Faes was stepping down from the CEO role to become Executive Chairman, and that Rod Lockhart was the new CEO as of January 13, 2020.
LendInvest appoints two executives[7]
Reported:
LendInvest hired Gene Clohessy as Director of Mortgage Underwriting and Jan Gallagher as a Business Development Manager for the North West.
Sources7 sources
- 1LendInvesten.wikipedia.org
- 2LendInvest official websitelendinvest.com
- 3LendInvest推出与Synectics Solutions的SIRA平台集成prweb.com
- 4LendInvest任命Anurag Sharma为基金经理mortgagesolutions.co.uk
- 5LendInvest推出法律费用返现crowdfundinsider.com
- 6LendInvest任命Rod Lockhart为首席执行官，Christian Faes转任执行主席crowdfundinsider.com
- 7LendInvest任命两名新职员crowdfundinsider.com
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