| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Rental coverage (BTL) / asset & exit (bridging) |
| Day-one lending | N/A — asset/rental-assessed |
| Minimum history | Experience-based |
| IR35 (inside) stance | N/A — not day-rate assessed |
| Umbrella accepted | Personal income accepted where required |
| Limited company | Yes — SPV and limited company |
| Gaps between contracts | N/A — asset/rental-assessed |
| Adverse credit | Mild considered |
| Underwriting | Hybrid |
| Broker access | Intermediary |
Buy-to-let and short-term property finance including bridging and development exit, for landlords and investors including contractors. Exact terms are confirmed live at application.
BTL rests on rental coverage; bridging on the asset and a clear exit — not day-rate income. Personal income is evidenced where required.
Yes — bridging and development-exit finance are core, alongside BTL. These are short-term products needing a defined exit. Specifics are confirmed at application.
Yes — SPV and limited company structures are supported. Specifics are confirmed at application.
Its technology-led process aims for speed, which suits time-sensitive property finance. Specifics are confirmed at application.
Speak to our contractor mortgage specialists to check live LendInvest rates and verify your borrowing capacity.