Lendco

About Lendco

Lendco launched in 2018 as a team of four with a clear-eyed diagnosis of what was broken in the UK specialist mortgage market: too many lenders treating professional property investors like retail borrowers, with tick-box criteria, delayed decisions, and poor access to underwriters. Within its first year, the business had completed £50 million of mortgage originations. By the end of 2020, it had surpassed £500 million lent.

The growth from there has been built on consistent execution and institutional confidence. Lendco has now issued four public asset-backed securitisations — the largest at £408 million — and operates a £300 million buy-to-let warehouse facility backed by BNP Paribas and HSBC. That level of institutional support is unusual for a seven-year-old lender and reflects the rigour of the underwriting and servicing operation the team has built.

Bridging operations were formally separated into "Lendco Bridging" in a restructure, allowing the team to focus specifically on the short-term market with dedicated credit and case management processes. Every case is manually underwritten and assessed on its own merits — no algorithmic decisions, no tick-boxes. The sales team has direct access to underwriters for referrals, which keeps the process moving without unnecessary back-and-forth.

Bridging Loans from Lendco

Lendco Bridging lends from £100,000 to £5 million, with terms up to 36 months and LTVs up to 75%. Rates are not published as standard and are determined by the specifics of each case — contact the team or your BDM for a pricing indication. The lender operates a panel of over 100 surveying practices to match the right valuer to each property type. All loans are via intermediaries only.

What Can Lendco Finance?

• Residential property purchase for investment
• Refurbishment-to-retain and refurbishment-to-sell
• Refinance and capital raise on investment property
• HMO and multi-unit freehold conversion
• Commercial and semi-commercial property

How to Apply with Lendco

Lendco is intermediary-only. Brokers should register and submit via the Lendco broker hub or contact the sales team directly at [email protected]. BDMs are available to discuss cases in advance of formal submission and can provide direct access to underwriters on more complex deals.