LendInvest Avis 

The requirements were straightforward and relevant. The application portal is streamlined and intuitive

I can confidently recommend Lendinvest to you from a long term platform investor point of view.

This is the only review you need to read. I have been investing continuously since 2016:

I have invested £1,044,754 in 850 loans and my losses to date are £0.

I have had 4 capital losses on 753 fully repaid loans: 14%, 3%, 15% & 8% .

But when the interest I earned on these 4 loans is added back in each case I lost nothing on each of the 4 loans. And earned some interest on each loan. I am happy to say then - in my mind - I have had no losses.

To be clear then I had no capital losses on 749 of my 753 repaid loans.

I lost £902 on the 4 other repaid loans, over nine years.

That represents 0.09% of capital invested over nine years - less than one tenth of one percent.

Or £1 lost for every £1158 invested, over nine years.

But as the interest paid on those 4 loans more than covered the £902 it is not something I think about.

(NB 2 of the 4 loans that made capital losses were for £3000 & £3103. That was 'unlucky' in as much as my average loan investment is £1229 & median loan investment very much lower than that. If my 4 capital loss loans were at my median then my losses would have been truly tiny).

Only one of my 753 repaid loans shows as having an 'Income shortfall'. But this loan returned a total of 11.47% in just over 2 years. 100% of the capital was returned on this loan.

I currently have 97 live loans. I understand short term property lending. That means I accept that a percentage of those live loans are going to be in arrears, in breach / out of term or in enforcement*.

I totally trust Lendinvest’s loan management team to deal with any problem loans and carry on delivering me no net losses. If after nine years of investing, at some point in the future, I have a net loss on a loan, so be it. I will carry on trusting Lendinvest. Investing is not risk free. I understand risk. I accept risk. I understand what I am doing.

I applaud Lendinvest’s exceptionally pleasing platform, especially from a loan management point of view. Lendinvest is not P2P, but compared to all other P2P platforms Lendinvest has the best platform from a loan management point of view. It is beautifully designed and I can access every loan I have ever invested in and see what has happened.

IF YOU DO NOT UNDERSTAND SHORT TERM PROPERTY LENDING & HOW LENDINVEST WORKS DO NOT INVEST - AND DO NOT LEAVE UNFAIR ONE STAR REVIEWS.

SOME LOANS *WILL* BECOME A PROBLEM & A FEW WILL TAKE A LONG TIME TO REPAY. IF YOU CANNOT ACCEPT THIS YOU SHOULD NEVER HAVE INVESTED IN THE FIRST PLACE.

I have reviewed all the Lendinvest investor Trustpilot 1 to 3 star reviews and I can dismiss all of them based on my experience and understanding of what the Lendinvest platform actually is, does and how it performs over the long term.

Retail investors should not invest if they do not understand the nature of investing on the Lendinvest platform.

Lendinvest loans are capped at one year so yes because of that and the nature of their lending some loans will run over term. (One year is how long it takes the earth to go round the sun. Not how long it sometimes takes to refinance, complete a development, gain planning, sell a property etc or deal with a problem loan). Please note the majority of loans get repaid early, within a year or on time.

When a loan goes over term Lendinvest balances supporting the borrower & getting repaid. Then later trying to achieve the best outcome with a focus on avoiding capital losses. I have encountered no problems with how Lendinvest does that. And I believe Lendinvest gets that balance right at all times.

Sometimes the long game is best. That has offended some one star reviewers who don’t understand the industry. Lendinvest has the experience - let them work for us for the best overall outcome. Just let them do their job. Be patient.

I have found Lendinvest to be extremely professional & impressive as an organisation. My whole experience with them has been exceptionally good. To date I have had zero problems, issues or complaints.

I have always found the Lendinvest platform to be very impressive, very well designed, good looking and easy to use. I have always had excellent service through the platform (i.e. through messages). And been treated in a highly professional way by Lendinvest.

Although Lendinvest is not P2P, when compared with all other P2P platforms I see Lendinvest as the gold standard, the king of platforms.

I just want to say a sincere thank-you to all the Lendinvest staff and management. Thank-you for making my experience so happy & positive over the years. I have got a lot out of it, not just in interest paid but also in having had a great experience & learning about your industry too.

I have been investing in this platform for more than 10 years. Historically, I was extremely satisfied as it was a lower risk / lower return P2P platform. It was doing the job properly, as was expected.
However, in the past couple of years, it has become obvious it became a high risk / low return proposition.
The number of loans in breach / arrears / enforcement has gone through the roof. It would be alright if the recovery team was doing its job properly. But some loans are 2/3 years overdue (even after loan extensions) and receivers are still not appointed.
I judge a platform not by its loan originating capabilities, but by its recovery efforts when things turn sour (as can be randomly expected in loans).
On that front, Lendinvest is failing completely.
It is high time the management wakes up and adresses this issue asap.

Word On The Street are new to working with LendInvest but given the support we have received to date we now have 4 live cases in pipeline.

A lender who we had tried multiple times to access due to positive reviews we were finally onboarded as a Direct brokerage.

Challenger bank lending is a saturated market with many 'portal says yes/no' type lenders available to us.

As a specialist mortgage brokerage it is important to us to be able to have real conversations with real people and LendInvest have most definitely hit the nail on the head with how they operate and approach broker relationships.

A forward thinking & open minded approach from the BDMs, underwriters & management team.

Its refreshing to be working with a lender who are actively looking for reasons and ways to say yes, rather than operating as 'deal prevention officers'.

Very impressed so far and looking forwards to building a long lasting working relationship with you.

These guys stole £300,000 from my elderly mother, They’re loan sharks!!!!!!

Keep your distance you have been warned

It's been a longtime since those almost zero rates and we all waited for those investment opportunities only to find most times they were oversubscribed and we were forced to auto invest. It is now evident that Lendinvest were selling property loans that did not have accurate valuations and surveys and many of the borrowers lacked the credit worthiness they were granted. Mr Lockhart's effusive comments and optimism on results do not seem to tally with the LSE stock price which has languished in 26-28 range since November 2023.
What especially concerns me is the quality of the notes for loans OUT OF TERM/ IN BREACH. They consistently use language that bears no reality to time fulfillment or urgency and borrowers I imagine feel little pressure to act. It also feels like ENFORCEMENT is a protected species. Let me highlight a few loans : HP27 LTV 64.28 which I have called the LA LA LA loan where a multi million pound transaction just can't get a valuation and where Mr Luckhart simply condones the delay and we all acquiesce and are simply told " they are current on interest payments". IG6 LTV 62.42 and in default for 2 YRS 9 MTHS and is now with receivers. By all measures this loan is a gold standard delinquent management by LENDINVEST who even after site visits did not recognize the impending disaster. NW7 LTV 64.99 again shows the same malaise as regards diligence. We of course all know and are told in bold print that we should not invest unless we are prepared to loose all the money invested. What we should have been told is that within LENDINVEST they are not capable of managing many of the loans they sell and do not follow up with due diligence when things go awry. So Mr Luckhart it is time to hear from you on THESE ISSUES and not about how many new deals you have done with the big boys!

Leanne was brilliant and really pulled all the stops out to get a case completed. Cannot thank her enough for a fast turn around on the bridge.

Avoid at All Costs – Unacceptable Treatment and Deliberate Delays
here's my story -

I’ve had a mortgage with LendInvest for the past five years, which came to the end of its term today. Back in January, I contacted them to request a new quote and was offered a two-year fixed deal at nearly 6% interest, along with an eye-watering £22,000 arrangement fee. I decided it would be more sensible to pay off the mortgage instead.

Since February, however, LendInvest has made this process extremely difficult. Despite my clear intention to redeem the mortgage, I’ve been subjected to endless requests for documentation for SOW — including full bank statements, shareholdings, passports, and even my children's passports, as I had used funds from their Premium Bonds accounts.

At one point, they even asked for written letters from my children (aged 10 and 12) explaining the source of their funds and confirming they were gifting the money to me. This request was not only inappropriate but indicative of a wider issue.

It has become increasingly clear that LendInvest is deliberately stalling the redemption process to push me into either signing a new mortgage agreement or being rolled onto their 7% standard variable rate, which takes effect tomorrow.

In the past two months, I’ve sent over 20 emails and made twice as many phone calls. Their response times have been painfully slow, often taking weeks to reply — only to ask for more paperwork that could have easily been requested earlier.

While I understand the need for Source of Wealth checks, a three-month process with unreasonable demands involving children clearly suggests something more than due diligence.

This is my honest experience, and I strongly advise others to think very carefully before doing business with this company. I am now in the process of submitting a formal complaint to the Financial Conduct Authority (FCA).

Rod was fantastic, quick, the kindest BDM and valuers passed a property that hadn't previously passed with another broker and lender. Very happy clients.

Lendinvest is one of the very professional companies. Tom was very helpful and explained different products with simplifying to let any one can understand with ease.
I am very impressed with the professionalism of Lendinvest staff in particular Tom

Broker Review - Product Transfer: The online platform was user-friendly and intuitive. There was a wide variety of product options available for my client. A special mention goes to Liv, who ensured the process was seamless and went above and beyond to get the case approved.

As a broker, I really value strong relationships, competitive costs for my clients, quick turnarounds, and common sense lending. LendInvest ticks all those boxes—and more.

A special shoutout to John Cairns, one of their underwriters. He’s not even my main contact at LendInvest, but he’s gone out of his way to help me on multiple cases. Even when it’s not “his” deal, he’s always happy to give an underwriter’s view when I need it. That kind of support really matters.

Lenders—take note! Being accessible like LendInvest and John gives brokers like me the confidence to keep coming back. Great service, great people. Highly recommend.

I am extremely disappointed with my experience at LendInvest. I have been in constant communication with the pre-offer team, both via email and phone, but the information I received was consistently inaccurate. Liv was particularly unhelpful; she spoke to me in an abrupt manner with an angry tone, which only added to my frustration. Moreover, I received conflicting information from another team member via email, making it clear that their internal communication is lacking.

After calling four times for clarification, I was hung up on during one of the calls, which is completely unprofessional. This level of customer service is unacceptable.

I have been working with Lendinvest for many years now, having carried out many successful development projects and find them to be flawless in every respect. Their attitude, appetite, and sensible rates make them a joy to do business with.

My experience is as an investor with Lendinvest, I invested three pots of money in three different property deals. They all started out well but one by one run into problems of one sort or another. Out of the three all went wrong in one way or another, one was late in paying out and two out of the three are now in arrears with one going into repossession. Communications on the deals gone wrong are slow and vague. There are a lot batter providers in this space, I would avoid investment with this company.

The best experience from Jordon and I am so pleased with his professionalism and his quick time scales, throughout the journey Jordan provide an excellent service to my clients and our firm. I recommend this to lender to my fellow advisers and other clients.

Great experience with bridging loan, Carol was great and communication was amazing. Makes it easy to do bridging with lend invest when you have someone that good.

After fantastic support from my BDM Paige Archer, I managed to a case to offer , if it wasn't for her support and help this would not of not happened!
Very grateful broker and client .

Very quick and great communication. Thank you to Jordan for helping this case fly through to offer

Had x2 rather tricky cases with LendInvest [I am the Broker] and i was able to discuss things with my BDM, who supported the case and had it reviewed by the underwriting teams.

Any points of confusion were remedied when required to be and both cases progressed through to offer in a timely fashion, taking into account the complexities of the cases.

The underwriting teams were proactive and moved things along efficiently. I definitely will be using LendInvest more often.