Portfolio Analysis of Loan LIV3

Summary by AI BETAClose X

LendInvest Secured Income II plc has published its loan portfolio analysis as of June 30, 2026, revealing a total aggregate value of eligible loans at £22.3 million, comprising 24 loans. Of this, £10.1 million represents bridging loans across 22 facilities, with the remaining £12.2 million being intercompany loans. Notably, there are no regulated or buy-to-let loans within the portfolio. The entire portfolio is secured by first-ranking legal charges, with a weighted average LTV of 66.71%. The company reported zero loans in material arrears and an interest coverage ratio of 132.8%. Property locations are predominantly in England (88.6%), with 11.4% in Scotland and none in Wales.

Disclaimer*

LendInvest Secured Income II
31 July 2026
 

Analysis of the Loan Portfolio - LIV3

 

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 June 2026 the Portfolio comprised:

 

1.

Total aggregate Value of Eligible Loans:

£22.3m

 


…..of which bridging loans:

£10.1m

 


…..of which regulated loans:

£0


….of which buy-to-let loans:

£0


….of which intercompany loan

£12.2m

2.

Total number of Eligible Loans:

24


…..of which bridging loans:

22


…..of which regulated loans:

0


….of which buy-to-let loans:

0


….of which intercompany loans

2

3.

Intercompany loan to Lendinvest Bridge Limited:

£8.6m


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

9 & £5.7m


….of which cash2:

£2.9m

4.

Intercompany loan to Lendinvest Loans Limited:

£3.5m


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

0 & £0m


….of which cash2:

£3.5m

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):

24 & £22.3m

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.          19%         1st charge

       2.          53%         1st charge

       3.          65%         1st charge

       4.          65%         1st charge

       5.          65%         1st charge

       6.          66%         1st charge

       7.          67%         1st charge

       8.          68%         1st charge

       9.          69%         1st charge

      10.         71%         1st charge

      11.         75%         1st charge

      12.         75%         1st charge

      13.         75%         1st charge

      14.         75%         1st charge

      15.         75%         1st charge

      16.         75%         1st charge

      17.         75%         1st charge

      18.         75%         1st charge

      19.         75%         1st charge

      20.         75%         1st charge

      21.         75%         1st charge

      22.         75%         1st charge

      23.         Intercompany

      24.         Intercompany

11.

Indexed LTV Ratio of buy-to-let Eligible Loans

N/A

12.a

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

66.71%

 

12.b.

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

66.49%

12.c.

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

n/a

13.

Number and Value of Eligible Loans in material

Arrears1

0 & £0k

14.

Interest Coverage Ratio

132.8%

15.

Location of property (given as a percentage of

the Portfolio):



...property in England

88.6%


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

8.9%


...property in Wales

0.0%


...property in Scotland

11.4%

 

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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