For Intermediaries only

For many homeowners looking to remortgage in 2025, the UK property market will look very different from when they signed their initial mortgage. 

Economic factors like the cost of living, inflation and government policy have caused interest rates to rise over the last five years. Add in a strained UK housing market facing a lack of new housing and shifting demographics, it makes sense why industry experts are considering 2025 the year of the remortgage.

At LendInvest, we understand the possible impact of these changes on homeowners and the effect on their living situation. Circumstances and situations can change quickly, and that’s why we remain committed to supporting homeowners who may no longer fit into the criteria of High Street lenders.

Here’s an example of how we Cut the Complex for a Homeowner:

A broker approached us seeking to support his client, who wanted to remortgage his home. The client’s situation had changed considerably in that he wanted to be able to buy out his ex-partner’s equity share in the property during the remortgage process.

His credit history was marked with recent arrears and defaults, including a missed mortgage payment in the last 12 months.

While on paper this credit history could potentially put off many lenders, we took a proactive approach and were able to verify that his income, along with his Army pension, would be enough to approve the loan. 

In the end, we secured a loan for £153k, allowing the client to remortgage his home and buy out his ex-partner’s stake.

With expert support from our dedicated Business Development Manager Underwriter and our Mortgages Portal, we delivered the loan within a week.

How to Cut the Complex with LendInvest

At LendInvest we believe that someone’s unique situation shouldn’t keep them from owning their own home. That’s why we’ve taken a new approach to our credit criteria: four distinct tiers designed to cater to varying levels of allowable adverse credit situation.

• Premier
• Advantage
• Progress
• Support

Ready to help your client Cut the Complex and buy a new home? Contact us today or get registered in our Mortgages Portal.

LendInvest plc is a public limited company registered in England and Wales (No. 8146929). Registered

Office: 4-8 Maple Street, London, W1T 5HD.

LendInvest Mortgages and LI Mortgages are registered trading names of LendInvest Loans Limited. LendInvest Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN:737073). LendInvest Loans Limited is a company registered in England & Wales (Company No. 09971600) and is a wholly owned subsidiary of LendInvest plc.

Regulated lending is provided via LendInvest Loans Limited (Company No. 09971600). Unregulated lending is provided by LendInvest BTL Limited (Company No. 10845703) and LendInvest Bridge Limited (Company No. 11651573), which are wholly owned subsidiaries of LendInvest plc.

Borrowing through LendInvest and its affiliates involves entering into a mortgage contract secured against property. Your property may be repossessed if you do not repay your mortgage in full.