LendInvest buy-to-let & bridging
LendInvest is a specialist for property investors — buy-to-let for portfolio and company landlords, plus bridging finance for purchases that need to move fast or don’t yet fit a term mortgage.
What does LendInvest lend on?
Two things that often go together for investors: buy-to-let mortgages, including for limited companies and portfolio landlords, and bridging finance for short-term needs — an auction purchase, a property that is not yet mortgageable, or a chain that has to complete quickly.
Having both under one roof matters when a deal starts as a bridge and ends as a term loan. A contractor buying a doer-upper at auction, refurbishing it, then refinancing onto buy-to-let is a path LendInvest can fund end to end.
Where LendInvest fits
On buy-to-let it suits company and portfolio landlords wanting a technology-led specialist. On bridging it suits time-critical or non-standard purchases — auction lots, light refurbishment, or bridging a gap before a sale. Bridging is short-term and interest is typically higher, so it is a tool for a defined job with a clear exit.
Bridge now, refinance later
Works: light refurbishment
Exit: refinance to BTL term loan
An illustration; the assessed basis is settled once the case reaches an underwriter.
What does bridging cost?
Bridging is priced monthly, not annually, and sits well above a term mortgage — it is short-term money for a specific purpose. The key is a credible exit: a sale or a refinance that clears the bridge. We only recommend it when the exit is real and the timeline works.
LendInvest or a standard route?
For a straightforward rental on a mortgageable property, a mainstream or specialist BTL term lender is cheaper than bridging. LendInvest earns its place on speed, short-term need, or the bridge-to-term journey. See bridging finance and auction finance for how we plan the exit.
A note on criteria
LendInvest sets buy-to-let and bridging criteria — rental cover, loan terms, exit requirements — that are revised regularly. We match your actual deal and exit plan to the live criteria rather than quoting a figure that may have moved.
Smart Mortgage Solutions is an independent, whole-of-market broker. We have no affiliation with LendInvest and are not endorsed by it; the lender is named here only to describe lending we can arrange. Anything we say about its approach is subject to change and is confirmed at the point of application.
Lenders we work with — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
LendInvest lending, answered
Does LendInvest offer bridging finance?+
Yes — short-term bridging for time-critical or non-standard purchases such as auction lots or properties awaiting works, alongside its buy-to-let range. A clear exit is central to any bridge.
Can LendInvest fund an auction purchase?+
Bridging finance suits the tight auction timeline, with the plan to refinance onto a term loan once the property is mortgageable. We set the exit before the bridge is taken.
Does LendInvest lend to limited-company landlords?+
Its buy-to-let range covers company and portfolio landlords. The structure and rental cover are assessed as part of the case at application.
Is bridging finance expensive?+
Bridging is priced monthly and sits well above a term mortgage — it is short-term money for a defined job. It only makes sense with a credible exit, which we confirm before recommending.
Should I use a broker for LendInvest?+
Yes, especially for bridging, where the exit plan is everything. We structure the deal and the refinance so the short-term facility does its job and clears cleanly.