Blog post
July 28, 2021

Managing every Buy-to-Let scenario: how we deliver different deals 

by Jan Gallagher, Key Account Manager (Networks & Clubs)

For our latest Buy-to-Let rates and offers, visit our Buy-to-Let page. 

As LendInvest has continued to grow in the Buy-to-Let market, with more funding driving new products, freeing up criteria and enticing more brokers with our service, the team has become accustomed to dealing with diverse deals. 

As a specialist lender we’re not surprised by different projects, even challenging ones, but creating a simple, slick process that can work for a standard purchase, a bridge-to-let transition or a large portfolio refinance, is a challenge we’ve embraced. 

Here’s an example of some different types of deals we’ve worked on and how – regardless of the project – we can deliver simpler property finance in every scenario.

Read more: 10 Buy-to-Let deals from a week in June


Since launching our Bridge-to-Let product two summers ago we’ve seen it grow from strength to strength and its use cases evolve.

Most recently we were seeing it used as a quick purchase option for landlords looking to take advantage of the Stamp Duty Holiday, as well as its more traditional refurb solution before a term loan.

One example I worked on:

  • Purchase a two-bed in Leeds
  • Had excellent yield potential but wasn’t in a lettable condition
  • Wanted to refurb and refinance in four months.

The intention was to retain the property within his portfolio because of the strong yield, and partner with a lender who could help with the whole process from bridge, to Buy-to-Let.

We supported them with 75% against the purchase price on the bridge and after 4 months we started the BTL application process. The client was really happy that he only had one set of valuation and legal fees for the whole process, thus keeping costs down.

Portfolio landlords 

Large portfolios and managing their refinance and incorporation has long been one of the most complex areas of Buy-to-Let lending and one we’ve worked to simplify. 

For example: 

  • A client approached us for a capital raise against his portfolio 
  • Wanted 75% LTV against his 15 properties
  • The goal was to expand the portfolio even further
  • In total we lent nearly £2.5 million.

The client also wanted to keep costs down to a minimum. The broker dealing with this scenario, ran the case past one of our BDMs who initially looked to see if the deal fitted with our criteria.

A valuation fee of £150 per property greatly reduced the overall costs they faced. Our broker portal is designed to help greatly with portfolio clients scenarios with multiple upload options. A broker will only need to complete the first application and then duplicate it, reducing submission time, with in-built cross referencing for supporting information uploaded. 

Add in the ability to use docusign, electronic ID verification and Open Banking for the underwriting process, the seemingly complex process was made a lot smoother.

We had great feedback from the broker and he felt the whole process was the easiest he had dealt with.

To see how you can make your next Buy-to-Let deal even simpler, get an instant quote and see our rates here

Your privacy matters
We use cookies to offer you a better experience. To understand what data we collect you can access our privacy policy and cookies policy. You can also adjust your or confirm your consent by clicking the accept button.

The cookies we use:

These are required for the operation of our website. For example, they support you to log into secure areas. You may disable these by changing your browser settings, but this may affect how the website functions.
These allow us to collect information such as how you navigate our website or if you experience errors which we can use to improve your journey.
These recognise you when you return to our website so we can personalise your content and improve your visit.