Portfolio Analysis of Loan LIV4

Summary by AI BETAClose X

LendInvest Secured Income II plc has published its loan portfolio analysis as of September 30, 2026, revealing a total aggregate value of eligible loans at £9.8 million, comprising 49 bridging loans with no regulated or buy-to-let loans. All eligible loans are secured by first-ranking legal charges, representing 100% of the portfolio, with a weighted average LTV ratio of 73.11%. The portfolio has no loans in material arrears and an interest coverage ratio of 123.5%. Properties securing these loans are located primarily in England (81.6%), with a significant portion in Greater London (37.2%), and also in Scotland (16.6%) and Wales (1.8%).

Disclaimer*

LendInvest Secured Income II
30 October 2026
 

Analysis of the Loan Portfolio - LIV4

 

Portfolio Analysis of Loan Portfolio to be prepared in accordance with Condition 5(f) and published on the website of the Guarantor within 30 days of each Quarter Date.

 

Terms used but not defined in this analysis shall be as defined in the terms and conditions as set out in the Prospectus dated 12 July 2022 relating to the £1 billion Euro Medium Term Note Programme of LendInvest Secured Income II plc.

 

As at 30th September 2026 the Portfolio comprised:

 

1.

Total aggregate Value of Eligible Loans:

£9.8m

 


…..of which bridging loans:

£9.8m

 


…..of which regulated loans:

£0


….of which buy-to-let loans:

£0


….of which intercompany loan

£0m

2.

Total number of Eligible Loans:

49


…..of which bridging loans:

49


…..of which regulated loans:

0


….of which buy-to-let loans:

0


….of which intercompany loans

0

3.

Intercompany loan to Lendinvest Bridge Limited:

£0m


…..Number and Aggregate Value of which eligible bridging loans:

0 & £0m


….of which cash2:

£0m

4.

Intercompany loan to Lendinvest Loans Limited:

£0m


…..Number and Aggregate Value of which eligible regulated loans:

0 & £0m


….of which cash2:

£0m

5.

Intercompany loan to Lendinvest BTL Limited:

£0m


…..Number and Aggregate Value of which BTL loans:

0 & £0m


….of which cash2:

£0m

6.

Number and aggregate Value of Eligible Loans

secured by first-ranking legal charge (incl Intercompany loans):

49 & £9.8m

7.

Number and aggregate Value of Eligible Loans

secured by second-ranking legal charge (incl Intercompany loans):

0 & £0m

8.

Percentage of Portfolio secured by first-ranking

legal charge:

100%

9.

Percentage of Portfolio secured by second-

ranking legal charge:

0%

10.

Individual LTV Ratio at origination of non buy-to-let Eligible Loans and confirmation as whether each loan is

secured by a first-ranking or second-ranking

legal charge:

       1.          31%         1st charge

       2.          50%         1st charge

       3.          51%         1st charge

       4.          58%         1st charge

       5.          60%         1st charge

       6.          61%         1st charge

       7.          63%         1st charge

       8.          65%         1st charge

       9.          66%         1st charge

      10.         66%         1st charge

      11.         68%         1st charge

      12.         68%         1st charge

      13.         69%         1st charge

      14.         69%         1st charge

      15.         70%         1st charge

      16.         71%         1st charge

      17.         72%         1st charge

      18.         73%         1st charge

      19.         74%         1st charge

      20.         74%         1st charge

      21.         74%         1st charge

      22.         74%         1st charge

      23.         75%         1st charge

      24.         75%         1st charge

      25.         75%         1st charge

      26.         75%         1st charge

      27.         75%         1st charge

      28.         75%         1st charge

      29.         75%         1st charge

      30.         75%         1st charge

      31.         75%         1st charge

      32.         75%         1st charge

      33.         75%         1st charge

      34.         75%         1st charge

      35.         75%         1st charge

      36.         75%         1st charge

      37.         75%         1st charge

      38.         75%         1st charge

      39.         75%         1st charge

      40.         75%         1st charge

      41.         82%         1st charge

      42.         83%         1st charge

      43.         84%         1st charge

      44.         84%         1st charge

      45.         85%         1st charge

      46.         85%         1st charge

      47.         85%         1st charge

      48.         85%         1st charge

      49.         85%         1st charge

11.

Indexed LTV Ratio of buy-to-let Eligible Loans

N/A

12.a

Weighted Average LTV Ratio of the Portfolio (incl Intercompany loans):

73.11%

 

12.b.

Weighted Average LTV Ratio of bridging loans funded by the intercompany loan to Lendinvest Bridge Limited:

0%

12.c.

Weighted Average LTV Ratio of regulated loans funded by the intercompany loan to Lendinvest Loans Limited:

0%

13.

Number and Value of Eligible Loans in material

Arrears1

0 & £0k

14.

Interest Coverage Ratio

123.5%

15.

Location of property (given as a percentage of

the Portfolio):



...property in England

81.6%


......of which, property in Greater London

37.2%


...property in Wales

1.8%


...property in Scotland

16.6%

 

1 Where any amount of interest is equivalent to three months past due, a loan will be considered to be in "material" arrears.

2 Used as origination funds.

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