Existing customers
We are committed to offering you the best service.
General questions
If you have general questions for Lendinvest, here are the answers to some frequently asked questions.
If you cannot find what you are looking for below or would like to talk to us about your mortgage you can call us (lines are open 9am-5.30pm, Monday to Friday) or email us and one of our friendly team will be able to help.
If you choose to email us, we will respond to your message within 5 working days. This will either be via a telephone call, email or a letter in the post. If your request is urgent please call us.
Contact us
For Regulated Bridging and Residential Mortgages
LendInvest Loans Limited
PO Box 1152
Uxbridge
UB8 9YZ
+44 (0)20 3846 6822[email protected]
For Buy-to-Let or Unregulated Bridging
Contacting us will not impact your credit score or credit profile.
General FAQs
Yes you can but you should be aware that early repayment charges may apply as shown in your offer. Call our loan servicing team on 0203 846 6822 or email us at [email protected] and we will explain the process and if charges apply.
Please note we may require evidence of the source of funds to comply with Money Laundering regulations.
Yes, you can remortgage your property at any time with any lender you choose. If you do this within the initial term then you may pay an early redemption charge. Most lenders charge these when you pay off a mortgage or change your lender within the initial term.
You can find details of any early redemption charge in your mortgage offer, or call our loan servicing team on 0203 846 6822 or email us at [email protected]
Your mortgage is secured against your main residential property so If you wish to change your address, we will need to understand why this is the case. Please call or email [email protected] our loan servicing team on 0203 846 6822 to request this.
Lines are open 9am - 5.30pm, Monday - Friday, excluding public holidays.
Product questions
Residential
This would not normally be considered as your mortgage is a homeowner regulated loan on your main residence. However LendInvest Mortgages will consider a request if the circumstances of the request relate to matters outside of your control/ are of necessity. You should also note our tariff of fees and charges as a fee is payable if your request is agreed (any agreement provided will be subject to conditions).
No, we do not offer this on your existing mortgage, however a new mortgage may be possible If you are looking to move house. Please speak to your Independent Financial Adviser (IFA) to find out about your options.
If you need to find a an independent financial adviser follow this link.
No, we do not offer this facility on your existing mortgage, however a new mortgage may be possible If you are looking to move house. Please speak to your Independent Financial Adviser (IFA) to find out about your options.
If you need to find a an independent financial adviser follow this link.
If you’d like to borrow more money as part of your mortgage with LendInvest Mortgages you need to remortgage – this may incur additional costs and we would suggest that you speak to an Independent Financial Adviser (IFA) before you do this.
Click here to find an independent financial adviser.
If you’ve been asked to complete a financial assessment, please complete the Income and Expenditure/assets and liabilities form. Once completed please send it either by email to [email protected] or by post to: LendInvest Loans Limited, PO Box 1152, Uxbridge, UB8 9YZ.
It is a condition of your mortgage agreement that you have a valid buildings insurance policy in place at all times. We lend you a sum of money, secured against an asset (your property), so we need to know that the asset is protected.
If you do not have a valid buildings insurance policy, you will be in breach of the conditions of your mortgage agreement with us.
If we cannot confirm that the right cover is in place, we will manage the risk by taking out insurance on your behalf that will be charged back to you but note the cover will be for us as lender only.
If your property is leasehold it may be the freeholder’s responsibility to insure the building.
Yes this may be possible in certain circumstances but is subject to strict underwriting criteria including a revaluation of the property at your cost. Any consent may include a requirement for the amount outstanding on your mortgage to be reduced to reflect the new value of your home.
If you wish to proceed please contact us on 0203 846 6822 and also please refer to our tariff of fees as this request is subject to a fee.
Call our loan servicing team on 0203 846 6822 or email us at [email protected] to arrange for a Direct Debit Mandate to be sent out to you for your completion and return to us.
Lines are open 9am - 5.30pm, Monday - Friday, excluding public holidays.
If your initial rate is ending soon, we’ll write to you in advance with details of what this means for future payments. If your initial fixed or tracker rate is ending soon, we’ll write to you in advance with details of what this means for future payments.
Payments on the variable rate that applies when your mortgage reverts may be higher than when you were on an initial fixed or tracker rate, in which case you will see an increase in your monthly payment. The variable rate may also change over time to reflect changes in the Bank of England Base Rate, so you may see further increases in your payments while you remain on it.
You may be able to switch to a less costly option by contacting a regulated mortgage adviser for advice on alternative mortgage products. Speaking with your mortgage adviser early is important, as they will be able to help you search for the best option based on your specific needs and circumstances.
If you are worried about making current or future payments please contact us, we are here to help and contacting us will not harm your credit score or credit profile
For properties in England, Wales and Northern Ireland, you can find a copy of your EPC online at www.epcregister.com using your postcode or unique reference number. For properties in Scotland, please visit www.scottishepcregister.org.uk.
In that case, you’ll need to have a new EPC assessment undertaken to determine the home’s current energy performance rating. For properties in England, Wales and Northern Ireland, you can find an assessor by visiting www.epcregister.com or www.localsurveyorsdirect.co.uk. For properties in Scotland, please visit www.scottishepcregister.org.uk.
You will need to have a new EPC assessment undertaken to determine the home’s current energy performance rating. For properties in England, Wales and Northern Ireland, you can find an assessor by visiting www.epcregister.com or www.localsurveyorsdirect.co.uk.
For properties in Scotland, please visit www.scottishepcregister.org.uk.
The cost for an EPC assessment can vary depending on who the assessment company is and which area you live in. For properties in England, Wales and Northern Ireland, if you visit www.epcregister.com or www.localsurveyorsdirect.co.uk you’ll be able to find an assessor. For properties in Scotland, please visit www.scottishepcregister.org.uk. When you contact your chosen assessor they will give you a cost.
If you plan to purchase solar panels outright and your property is freehold, you do not need to request consent from us. However, if you would like to enter into a lease agreement with a solar panel firm you must request consent. Before we can give you consent to proceed, we will need confirmation that your request meets several requirements including, but not limited to, that your property is freehold and that the installation firm you plan to use is accredited by the Microgeneration Certification Scheme (MCS).
Yes. We will need you to instruct a solicitor (following completion and at your own expense) who is willing to act on behalf of you and Lendinvest. The solicitor will need to review the lease agreement and confirm that our minimum requirements for consent have been met.
Regulated Bridging
This would not normally be considered as your mortgage is a short-term regulated loan on your main residence. However, LendInvest Mortgages does offer separate Buy-to-Let mortgages that your broker would be happy to advise you on.
No, we do not offer mortgage porting but are keen to assist you if possible. All our regulated loans are introduced to us by regulated mortgage brokers so If you are looking to move house, speak to your Independent Financial Adviser (IFA) to find out about your options.
Click here if you need to find an independent financial adviser.
If you would like to change to a different mortgage with us you would need to remortgage. All our regulated loans are introduced to us by regulated mortgage brokers so If you are looking to remortgage, speak to your Independent Financial Adviser (IFA) to find out about your options.
Click here if you need to find an independent financial adviser.
If you would like to borrow more money as part of your mortgage with LendInvest Mortgages you will need to remortgage. All our regulated loans are introduced to us by regulated mortgage brokers so If you are looking to remortgage, speak to your Independent Financial Adviser (IFA) to find out about your options.
Click here to find an independent financial adviser.
If you have been asked to complete a financial assessment, please complete the Income and Expenditure form. Once completed please send it either by email to [email protected] or by post to: LendInvest Loans Limited, PO Box 1152, Uxbridge, UB8 9YZ.
It is a condition of your mortgage agreement that you have a valid buildings insurance policy in place at all times. We lend you a sum of money, secured against an asset (your property), so we need to know that the asset is protected.
If you do not have a valid buildings insurance policy, you will be in breach of the conditions of your mortgage agreement with us.
If we cannot confirm that the right cover is in place, we will manage the risk by taking out insurance on your behalf that will be charged back to you but note the cover will be for us as lender only.
If your property is leasehold it may be the freeholder’s responsibility to insure the building. If you are unable to get a copy of the insurance schedule from the freeholder, you can either send us: A copy of the relevant clause in the lease that confirms it’s freeholder responsibility to insure the building; or a letter from the freeholder confirming that they are required to insure the building.
This is not possible on a bridging loan of this type.