Portfolio Analysis of Loan LIV4
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%).
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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 cash 2 : | £0m | |
| 4. | Intercompany loan to Lendinvest Loans Limited: | £0m |
| …..Number and Aggregate Value of which eligible regulated loans: | 0 & £0m | |
| ….of which cash 2 : | £0m | |
| 5. | Intercompany loan to Lendinvest BTL Limited: | £0m |
| …..Number and Aggregate Value of which BTL loans: | 0 & £0m | |
| ….of which cash 2 : | £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% 1 st charge 2. 50% 1 st charge 3. 51% 1 st charge 4. 58% 1 st charge 5. 60% 1 st charge 6. 61% 1 st charge 7. 63% 1 st charge 8. 65% 1 st charge 9. 66% 1 st charge 10. 66% 1 st charge 11. 68% 1 st charge 12. 68% 1 st charge 13. 69% 1 st charge 14. 69% 1 st charge 15. 70% 1 st charge 16. 71% 1 st charge 17. 72% 1 st charge 18. 73% 1 st charge 19. 74% 1 st charge 20. 74% 1 st charge 21. 74% 1 st charge 22. 74% 1 st charge 23. 75% 1 st charge 24. 75% 1 st charge 25. 75% 1 st charge 26. 75% 1 st charge 27. 75% 1 st charge 28. 75% 1 st charge 29. 75% 1 st charge 30. 75% 1 st charge 31. 75% 1 st charge 32. 75% 1 st charge 33. 75% 1 st charge 34. 75% 1 st charge 35. 75% 1 st charge 36. 75% 1 st charge 37. 75% 1 st charge 38. 75% 1 st charge 39. 75% 1 st charge 40. 75% 1 st charge 41. 82% 1 st charge 42. 83% 1 st charge 43. 84% 1 st charge 44. 84% 1 st charge 45. 85% 1 st charge 46. 85% 1 st charge 47. 85% 1 st charge 48. 85% 1 st charge 49. 85% 1 st 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 Arrears 1 | 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% |
2 Used as origination funds.
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