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Yes we do. For non-UK individuals, we require them to have a footprint in the UK already (eg they already own investment properties) and we will require sufficient proof of residency in their home country. They will also need to sign their documents in the presence of a UK lawyer.

For non-UK companies, we again require them to have a footprint in the UK with personal guarantees to be provided by the shareholders of the company. They will also need to sign in the presence of a UK lawyer and we will require a legal opinion to be provided by a lawyer in the jurisdiction in which the company is registered.

We do lend to LLPs and we treat them in the same way as UK limited companies.

We will lend to trusts providing that there is a clear structure and we are being provided with personal guarantees from the beneficiaries.

We do not lend to charities or pension funds.

We will lend to a borrower on this basis providing that the purchase price and value equate to the property value only. We will not lend against the value of other assets held within the company.

We have fee scales for all of the professionals we use, but the exact fee will be variable depending on each borrower’s case and the value of the property.

For more information, please see the valuation and legal fees section of our Product Guide.

No, LendInvest will instruct its own solicitor to act on its behalf and you will be liable for their costs. The solicitor acting for you (to be acceptable to LendInvest) must have at least three Solicitors Regulatory Authority (SRA) approved managers. Please note that licensed conveyancers are not acceptable.

Yes, in all cases we will need to see evidence of the source of deposit and this will also need to include stamp duty.

Yes, we do, but you’ll need to send us further documentation, including the relevant indemnity policies and letters of no interest from the source of the funds.

We will review this on a case-by-case basis and it may not always be possible. If we do accept, we will require a deed of priority in all instances.

In certain circumstances we will need to meet the borrower and visit the security, particularly on more complex or high value transactions.

Bank statements covering the last three months are required to evidence the client’s ability to service a loan.

This is reviewed on each case and depends on the client’s intentions for the property and their exit strategy.

No, we will always lend against the vacant possession value. This may be discussed if we have a blue-chip tenant in place with a long term remaining on their commercial lease.

Yes, subject to review and loan to value (generally a new valuation will be required in order to determine the amount we can lend).