LendInvest (LSE: LINV)

LendInvest’s Market Analysis – Tracking 2025’s Key Data & Investment Signals   📣 UK Mortgage Lending Edges Up – But What’s Next? The latest Q4 2024 FCA mortgage lending data shows a modest but steady increase, with:  📈 Outstanding mortgage loans: £1,678.2bn (+0.5% QoQ, +1.3% YoY)    📈 Gross mortgage advances: £68.8bn (+4.9% QoQ, +29.9% YoY)    📈 New mortgage commitments: £69.3bn (+4.9% QoQ, +50.7% YoY) Lending activity is picking up, but affordability remains a challenge, with high LTV and LTI ratios showing some borrowers are stretching further to access finance. So what happens next? The next month is set to be a defining period for the UK property finance market, with a wave of key economic and policy decisions shaping borrowing and investment strategies:  📊 ONS GDP (March 14) & CPI (March 19) – Key indicators of economic health.    💷 BoE interest rate decision (March 20) – A critical moment for lending costs.    📉 Spring Budget & OBR forecasts (March 26) – Potential tax & housing policy changes. With swap rate volatility still impacting lenders and interest rates falling slower than expected, investors and borrowers will need to navigate an evolving landscape. 🏡 For property investors, homebuyers, and developers, the market remains resilient and investable – but positioning strategically is key. At LendInvest, we’re tracking every development to help inform decision-making in real-time. Read the latest insights and issues to track from Chief Capital Officer and MD Mortgages Division, Hugo Davies here: https://lnkd.in/eFGgfNsU #RelieveTheSqueeze #HousingMarket #PropertyInvestment #Mortgages #HousePrices  #LendInvest #LendInvestMortgages #LendInvestCapital #LendInvestSLT

LendInvest’s Market Analysis – Tracking 2025’s Key Data & Investment Signals   📣 UK Mortgage Lending Edges Up – But What’s Next? The latest Q4 2024 FCA mortgage lending data shows a modest but steady increase, with:  📈 Outstanding mortgage loans: £1,678.2bn (+0.5% QoQ, +1.3% YoY)    📈 Gross mortgage advances: £68.8bn (+4.9% QoQ, +29.9% YoY)    📈 New mortgage commitments: £69.3bn (+4.9% QoQ, +50.7% YoY) Lending activity is picking up, but affordability remains a challenge, with high LTV and LTI ratios showing some borrowers are stretching further to access finance. So what happens next? The next month is set to be a defining period for the UK property finance market, with a wave of key economic and policy decisions shaping borrowing and investment strategies:  📊 ONS GDP (March 14) & CPI (March 19) – Key indicators of economic health.    💷 BoE interest rate decision (March 20) – A critical moment for lending costs.    📉 Spring Budget & OBR forecasts (March 26) – Potential tax & housing policy changes. With swap rate volatility still impacting lenders and interest rates falling slower than expected, investors and borrowers will need to navigate an evolving landscape. 🏡 For property investors, homebuyers, and developers, the market remains resilient and investable – but positioning strategically is key. At LendInvest, we’re tracking every development to help inform decision-making in real-time. Read the latest insights and issues to track from Chief Capital Officer and MD Mortgages Division, Hugo Davies here: https://lnkd.in/eFGgfNsU #RelieveTheSqueeze #HousingMarket #PropertyInvestment #Mortgages #HousePrices  #LendInvest #LendInvestMortgages #LendInvestCapital #LendInvestSLT

February’s figures highlight the shifting dynamics of the UK housing market—where resilience holds, but affordability pressures and supply constraints continue to shape demand. The latest @HalifaxBank House Price Index shows a market still adjusting to economic pressures: 🏡 First-time buyer price growth slowed to +2.4%, while home-mover price growth rose to +3.7% 🏡 Market activity remains strong, comparable to pre-pandemic levels 🏡 Housing supply remains tight, keeping prices elevated despite affordability challenges While affordability remains stretched, property finance markets—particularly in Buy-to-Let and Bridging—continue to show strength. With demand for new homes still high, investors and professional landlords are driving property conversion and improvement projects, helping bring more homes into use and upgrade stock quality. The anticipated April stamp duty changes spurred a short-term mortgage rush, but demand may cool slightly once the deadline passes. Meanwhile, market sentiment continues to be shaped not just by domestic economic signals but also by wider global factors influencing investment confidence and rate stability. While the Bank of England plays a role in guiding expectations, broader external pressures remain key to how rate movements unfold. The next month will be pivotal for both investors and buyers as key economic indicators shape the market outlook. FCA mortgage approval data next week will provide a clearer picture of buyer demand. This will be followed by ONS updates on GDP and CPI, the next BoE interest rate decision, and the Spring Budget alongside the Office for Budget Responsibility’s UK economic forecast. Together, these data points will set the tone for market confidence, borrowing conditions, and property investment prospects in the months ahead. For property investors, lenders, and homebuyers, clarity on rates and financing conditions is critical. The UK housing market remains a strong investment opportunity, but greater certainty on rates, stable swaps, and improved financing solutions will be key to unlocking its full potential. Halifax report: https://lnkd.in/dsGvEFq #RelieveTheSqueeze #HousingMarket #PropertyInvestment #Mortgages #HousePrices #LendInvest #LendInvestMortgages #LendInvestCapital #LendInvestSLT

What does #AcceleratingAction mean to you? It's International Women's Day tomorrow, and this years theme is Accelerating Action. We asked some of our amazing women from LendInvest Mortgages and LendInvest Capital what this means for them. #internationalwomensday

According to The Bridging & Development Lenders Associations (BDLA), the Bridging books surpassed £10b for the first in time ever in 2024! 🚀 Despite the growing popularity for this type of short-term lending, Bridging can be a complex market where common misconceptions and myths can lead to a bad deal: 🚫 All Bridging lenders are the same 🚫 Lowest Rate = Best Deal 🚫 Bridging is just about speed In this piece, Leanne Ardron, Director of Bridging Finance at LendInvest Mortgages breaks apart these myths and what makes up a good Bridging lender. 🔨 Read the full article below ⬇️: https://lnkd.in/ebUqW_9F #LendInvest #UKPropertyMarket #Bridging

🚨 Board Update at LendInvest 🚨 We’re pleased to announce that Stephan Wilcke has been appointed as Chair of the Board, following Christian Faes’ transition to a Non-Executive Director role. Stephan has been an integral part of our Board for many years and brings a deep understanding of LendInvest and the financial services sector, making him the natural choice to lead the Board into the next phase of our growth. At the same time, we are fortunate that Christian remains on the Board, ensuring continuity and retaining the invaluable insight and experience he brings to LendInvest. With this strong leadership in place, we remain focused on executing our strategy and building on recent positive momentum. 📢 Join us in congratulating Stephan on his appointment and thanking Christian for his continued commitment to LendInvest! https://lnkd.in/dsvWyQxx #Leadership #LendInvest #BoardUpdate #Continuity #Growth

UK House Prices Remain Resilient, but Confidence Lags Ahead of Stamp Duty Changes The UK housing market continues to show resilience, with the Nationwide House Price Index reporting a 0.4% month-on-month increase in February, bringing the average property price to £270,493. This marks the sixth consecutive monthly rise, although the annual growth rate has eased slightly to 3.9%, down from 4.1% in January. Despite this steady upward trend, market confidence remains muted. Broader socio-economic uncertainties, high interest rates, and swap-rate volatility continue to weigh on decision-making. While there was a 14% increase in housing transactions in the second half of 2024 compared to the same period in 2023, transaction levels remain 6% below pre-pandemic norms - a sign that buyers and investors are still cautious. March Expected to See a Surge in Activity Before Stamp Duty Changes With the Stamp Duty Land Tax changes coming into effect on 1 April, we anticipate a short-term uptick in market activity in March, as buyers rush to complete purchases under the current tax regime. The changes include: 🏠 The nil-rate threshold reverting from £250,000 to £125,000 🏠 For first-time buyers, the threshold decreasing from £425,000 to £300,000 This will create a temporary boost in transactions, but also the potential for a slowdown in the months following. Buy-to-Let Market: Steady but Not Spectacular The buy-to-let sector remains stable, with slight growth in mortgage-financed purchases. Rising rental yields and easing mortgage rates have helped, but activity is still below historical levels due to: 📌 Higher transaction costs from recent and forthcoming stamp duty changes 📌 Continued regulatory uncertainties affecting landlords Are the Key Players in the UK Property Market Working Seamlessly Enough? No single body - the Government, Bank of England, or Regulator - can drive UK property market growth alone, but together they could make a real impact. Are they working seamlessly? We have doubts. The BoE’s recent 25bps rate cut is a step forward, but clearer guidance on future cuts would boost confidence for borrowers and lenders, while also stabilising volatile swap rates. Without it, uncertainty will continue to weigh on lending and transactions. The Government must carefully assess tax policy impacts. We get that more public funding is needed to help solve the UK’s social issues. But the UK housing market has long been a pillar of financial security for homeowners and investors alike, so upsetting this resilience by imposing big, perhaps excessive, changes in taxation - effectively stealing from Peter to pay Paul - might end up damaging a valuable source of fiscal stability. A stable, long-term approach to taxation and regulation would give the market clarity to function sustainably. Stability, not uncertainty, will keep housing a reliable pillar of economic growth. #HousingMarket #Mortgages #LendInvest #InterestRates #RelieveTheSqueeze

A huge congratulations to LendInvest Mortgages Director of Bridging Finance Leanne Ardron for being named to Bridging & Commercial's 2025 Power List! 🏆 Leanne has spearheaded a shift in our short-term property finance solutions, leading to record application & completion levels. She demonstrates an insatiable appetite to create the best experiences for our brokers, proving that LendInvest is one of the industry's best partners for their clients, combining tech, knowledge and experience. This recognition is a huge achievement and a testament to the hard work that Leanne and the rest of her team are doing to make sure that our Bridging clients have access to expert support and flexibility, no matter how complex the situation. 🤝 Congrats Leanne! ✨ #LendInvest #BCPowerList2025 #UKPropertyMarket https://lnkd.in/ehyyh3xD

Inflation rises to 3% – but the path to rate cuts remains on track This morning’s inflation figures from the ONS came in above consensus at 3.0% vs. 2.8% expected. Despite this, the broader interest rate outlook remains unchanged, and base rates are still expected to fall this year, even if we saw a slight uptick in swap rates this morning. Core inflation rising to 3.7% (in line with expectations) and services inflation coming in lower than forecast are both positive developments. In the context of a weakening economy, inflationary pressures may continue to ease. The real risk? The Bank of England’s response to these mixed signals could create uncertainty in its guidance, keeping borrowing costs higher for longer. The key takeaway? One month’s data isn’t the story - it’s the trend that matters. And in our opinion, the trend suggests that we will hopefully start to see relief on household budgets sooner rather than later. However, right now, with Owner-Occupiers’ Housing Costs rising 8% YoY - the joint highest since 1992 - it's clear that affordability remains a challenge. Higher-for-longer interest rates continue to impact borrowers, with households allocating a greater share of income to mortgage payments, rent, or locking into more expensive fixed-rate products. This puts pressure on consumer spending and economic activity. At the same time, some banks may tighten lending criteria, restricting access to finance even further for borrowers with complex or non-traditional income sources. This is where non-bank and alternative mortgage lenders play an increasingly crucial role - supporting borrowers with specialist expertise at a time when the market needs more flexibility. What’s your take? Does today’s inflation print reinforce or challenge your outlook for the rest of the year? #Inflation #InterestRates #MortgageMarket #HousingMarket #SpecialistLending #PropertyFinance

The UK’s latest GDP figures show modest growth of 0.4% in December, largely driven by services, with construction contracting and private sector investment still weak. While the MPC has halved its 2025 GDP growth forecast, housing market signals suggest tentative signs of recovery. Estate agents are seeing the largest rise in new listings since the pandemic, mortgage approvals are up 28% YoY, and house prices hit record highs in January. The property market remains resilient, but to unlock sustained investment and lending confidence, the right conditions must be in place. Swap rates, lending costs, and market certainty will be critical to ensuring capital continues to flow. Read the full analysis from Hugo Davies, Chief Capital Officer and Managing Director at LendInvest Mortgages: https://lnkd.in/gtcSCzsB #RelieveTheSqueeze #GDP #UKHousingMarket #PropertyFinance #LendInvest #LendInvestMortgages #LendInvestCapital