LendInvest SI. III LendInvest - LIV5 - Portfolio Analysis of Loan LIV5
Analysis of the Loan Portfolio - LIV5
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 13 October 2025 relating to the £1 billion Euro Medium Term Note Programme of LendInvest Secured Income III plc.
As at 30th June 2026 the Portfolio comprised:
1.
Total aggregate Value of Eligible Loans:
£69.6m
…..of which bridging loans:
£13.3m
…..of which regulated loans:
£0
….of which buy-to-let loans:
£0
….of which intercompany loan
£56.3m
2.
Total number of Eligible Loans:
39
…..of which bridging loans:
35
…..of which regulated loans:
0
….of which buy-to-let loans:
0
….of which intercompany loans
4
3.
Intercompany loan to Lendinvest Bridge Limited:
£34.8m
…..Number and Aggregate Value of which eligible bridging loans:
14 & £34.8m
….of which cash2:
£0m
4.
Intercompany loan to Lendinvest Loans Limited:
£7.3m
…..Number and Aggregate Value of which eligible regulated loans:
3 & £0.8m
….of which cash2:
£6.5m
5.
Intercompany loan to Lendinvest Development Limited:
£4.2m
…..Number and Aggregate Value of which eligible development loans:
5 & £2.9m
….of which cash2:
£1.3m
6.
Intercompany loan to Lendinvest BTL Limited:
£10m
…..Number and Aggregate Value of which BTL loans:
0 & £0m
….of which cash2:
£10m
7.
Number and aggregate Value of Eligible Loans
secured by first-ranking legal charge (incl Intercompany loans):
39 & £69.6m
8.
Number and aggregate Value of Eligible Loans
secured by second-ranking legal charge (incl Intercompany loans):
0 & £0m
9.
Percentage of Portfolio secured by first-ranking
legal charge:
100%
10.
Percentage of Portfolio secured by second-
ranking legal charge:
0%
11.
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. 14% 1st charge
2. 61% 1st charge
3. 63% 1st charge
4. 65% 1st charge
5. 65% 1st charge
6. 65% 1st charge
7. 67% 1st charge
8. 67% 1st charge
9. 67% 1st charge
10. 67% 1st charge
11. 68% 1st charge
12. 70% 1st charge
13. 70% 1st charge
14. 72% 1st charge
15. 72% 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. 75% 1st charge
24. 75% 1st charge
25. 75% 1st charge
26. 75% 1st charge
27. 75% 1st charge
28. 75% 1st charge
29. 80% 1st charge
30. 85% 1st charge
31. 85% 1st charge
32. 85% 1st charge
33. 85% 1st charge
34. 85% 1st charge
35. 85% 1st charge
36. Intercompany Loan
37. Intercompany Loan
38. Intercompany Loan
39. Intercompany Loan
12.
Indexed LTV Ratio of buy-to-let Eligible Loans
N/A
13.a
Weighted Average LTV Ratio of the Portfolio (incl Intercompany loans):
64.55%
13.b.
Weighted Average LTV Ratio of bridging loans funded by the intercompany loan to Lendinvest Bridge Limited:
60.18%
13.c.
Weighted Average LTV Ratio of regulated loans funded by the intercompany loan to Lendinvest Development Limited:
68.44%
14.
Number and Value of Eligible Loans in material
Arrears1
0 & £0k
15.
Interest Coverage Ratio
124.6%
16.
Location of property (given as a percentage of
the Portfolio):
...property in England
92.6%
......of which, property in Greater London
25.2%
...property in Wales
0.5%
...property in Scotland
6.9%
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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