In late 2008, as global financial markets crashed, our founders, Christian Faes and Ian Thomas, saw an opportunity to fill a critical gap in short-term property finance.
They set up a mortgage lending business (then called Montello Bridging Finance), which quickly became one of the leading short-term finance lenders in the UK.
By 2012, we had launched two regulated funds to finance our loans, and were managing £30m of investors’ capital. As demand grew, we looked for ways to help our customers invest more efficiently.
In 2013, we brought the investment experience online – LendInvest was born. We launched our online investment platform, allowing our investors to build their own tailored portfolios of property-backed loan investments.
We then brought fintech’s first retail bond programme to the public markets, listing the first tranche of a £500m retail bond programme on the London Stock Exchange in August 2017.
Later that year, we launched into the buy-to-let market, with a product tailored to professional portfolio landlords, taking us into the longer-term and more mainstream mortgage market.
And in September 2018 we completed our Series C funding round, raising £30.5m from investors including Atomico, GP Bullhound and Tiger Management, and pushing our fundraising total well over £1bn.
We’re a well-capitalised, profitable business, delivering value as one of the fastest-growing fintechs in the country, and we’ve got the backing to continue investing in our technology and providing property finance that is fast, online and for all.
A diverse capital base built to last.
Having a healthy mix of investors is critical to any lending business to operate and grow sensibly. This provides certainty of funding to our borrowers, whilst delivering great returns to our investors.
Our investors include many UK and international institutions. The due diligence they perform before they commit to investing with us is a serious endorsement of the quality of our systems and ethos.
Risk management underpins everything we do.
We make lending decisions based on years of experience. Our hands-on, mortgage market expertise is essential when it comes to assessing a loan application and creating the best investment proposition.
- Every loan we fund is secured against registered UK property.
- Our approach to risk is two-fold: first we assess the borrower, then the property. If we’re not fully satisfied by both, we won’t lend.
- Our loans are underwritten by a team of mortgage professionals with over 100 years’ industry experience.
- Our loan servicing has received the highest rating from ARC Ratings, the European credit agency, for four years running.
Chief Credit Risk Officer
25-year mortgage market veteran
“Risk management isn’t only a priority for our investors. Our borrowers count on us to assess the risks of the loans we make carefully too. Putting credit quality at the heart of what we do means everything to all of us.”
“We continue to be impressed with LendInvest’s progress in disrupting the established lending industry. And we are excited to work with LendInvest as it continues with its high-growth trajectory and look forward to seeing what the future holds for the business.”
Mattias Ljungman - Atomico, Co-founder and Partner
“We are delighted to back Christian and his team as they redefine and simplify the mortgage market.”
Manish Madhvani – GP Bullhound, Founder and Managing Partner
“We are pleased to be working with LendInvest to provide SMEs and property entrepreneurs with access to funding in an evolving UK residential property market, helping to grow businesses and ultimately support housing supply.”
Roger Cattermole – Nomura, Managing Director
“LendInvest has recorded consecutive years of profitability, secured substantial investments from institutional investors and established itself as the largest online property finance marketplace platform in the UK.”