LendInvest is one of the more systemised specialist bridging lenders Boxx Finance works with: a broker-portal-driven process, title insurance used in place of a full valuation on many cases, and a genuinely useful free-legals incentive where the exit is a LendInvest buy-to-let mortgage. It suits bridging loan cases that are vanilla to medium complexity rather than genuinely unusual.
LendInvest at a glance
| LendInvest | |
|---|---|
| Loan size | £75,000 to £15 million (£200,000 minimum commercial, £250,000 development exit) |
| Security | First charge regulated and unregulated; second charge regulated only |
| Maximum LTV | 75% regulated residential (80% by request); 70% semi-commercial; 65% commercial above £1 million; 60% land |
| Refurbishment | 85% LTV up to £1 million, or 75% loan-to-GDV on larger schemes |
| Rates from | 0.82% per month |
| Term | Up to 18 months |
| Coverage | England and Wales only |
| Standout | Free legals and valuation when refinancing onto a LendInvest buy-to-let mortgage |
What this means in practice
Where some lenders require a full manual submission and a physical valuation on every case, LendInvest's portal and title insurance route can meaningfully cut the time from application to offer on standard residential, semi-commercial and commercial security. The trade-off is that it is built for systemised, well-understood cases rather than bespoke or highly complex ones.
How it works
Loan sizes run from £75,000, rising to £200,000 for commercial security and £250,000 for development exit, up to £15 million. Security is by first charge on unregulated and regulated bridging, or second charge on regulated bridging only. Maximum LTV is 75% gross on regulated residential, extending to 80% by request. Semi-commercial caps at 70%, commercial at 65% above £1 million, and land at 60%.
Refurbishment bridging reaches 85% LTV up to £1 million, with a day-one advance plus a single works drawdown, or up to 75% loan-to-GDV on larger refurbishment. Terms run up to 18 months and rates start from 0.82% per month. Coverage is England and Wales only.
How a case with LendInvest typically runs
LendInvest is built around its broker portal, so a case is submitted and tracked through a structured process rather than by manual back-and-forth. On many standard cases, title insurance is used in place of a full physical valuation, which removes one of the slowest steps in bridging. On refurbishment, the facility is released as a day-one advance followed by a single works drawdown, so the works plan needs to be clear at the outset.
The exit shapes the cost comparison. Where the exit is a LendInvest buy-to-let mortgage on a standard property, legals and valuation on that refinance are free, a real and quantifiable saving for a bridge-to-let strategy that belongs in the total cost, not just the headline rate.
How LendInvest compares with other lenders on the panel
Against Octopus Real Estate, the other lender built for clean cases, LendInvest offers more leverage while Octopus offers a lower rate; the LendInvest vs Octopus Real Estate comparison covers that choice. For landlords whose exit may be a specialist term product such as an HMO or holiday let, Roma Finance offers its own bridge-to-term route through RomaPRO.
For borrowers without established UK residency or with more complex credit, MT Finance is often the better fit, and Scottish security needs a lender such as Hope Capital, since LendInvest does not lend there.
Who it suits
LendInvest is a strong fit for landlords and investors with a fairly standard buy-to-let exit, HMOs up to six beds, and refurbishment projects funded in stages. Our guide to bridging finance for buy-to-let explains how that bridge-to-let route usually works.
Where it is not the strongest fit
LendInvest is not a heavy adverse credit lender, and its tiered borrower criteria require three years' UK residency for the top tier, so borrowers with more complex credit histories or without established UK residency are usually better placed elsewhere on the panel. It also does not lend in Scotland or Northern Ireland.
Preparing a refurbishment case
Because the works funding is released as a single drawdown after the day-one advance, the schedule of works and costings need to be settled before the application goes in rather than refined as the project runs. A realistic budget with a contingency, a clear programme and an idea of who is doing the work all help the underwriter size the facility correctly. It also makes sense to check at this stage that the finished property will suit the intended buy-to-let exit, since that is where the free legals and valuation apply.
Questions worth asking before you apply
- Will the case qualify for title insurance, or will it need a physical valuation?
- Is the exit likely to be a LendInvest buy-to-let mortgage? If so, factor in the free legals and valuation.
- Which borrower tier will you fall into, given your UK residency and credit history?
- On a refurbishment, does a single works drawdown suit the way your project will be delivered?
- Is the property in England or Wales?
Summary
LendInvest earns its place on the panel for speed and process on cleaner, more standard bridging cases with a buy-to-let exit in mind, backed by a strong broker portal. Figures above are correct as of August 2026 and should be confirmed with your broker before an application.
