REG - LendInvest SI. II LendInvest - LIV3 - Analysis of the Loan Portfolio - LIV3

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RNS Number : 1858T  LendInvest Secured Income II  31 July 2025

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 2025 the Portfolio comprised:

 

 1.     Total aggregate Value of Eligible Loans:                                       £39.4m

        …..of which bridging loans:                                                    £14.9m

        …..of which regulated loans:                                                   £0
        ….of which buy-to-let loans:                                                   £0
        ….of which intercompany loan                                                   £24.5m
 2.     Total number of Eligible Loans:                                                11
        …..of which bridging loans:                                                    9
        …..of which regulated loans:                                                   0
        ….of which buy-to-let loans:                                                   0
        ….of which intercompany loans                                                  2
 3.     Intercompany loan to Lendinvest Bridge Limited:                                £16.5m
        …..Number and Aggregate Value of which eligible bridging loans:                10 & £13.4m
        ….of which cash(2):                                                            £3.1m
 4.     Intercompany loan to Lendinvest Loans Limited:                                 £0
        …..Number and Aggregate Value of which eligible regulated loans:               0 & £0m
        ….of which cash(2):                                                            £0
 5.     Intercompany loan to Lendinvest BTL Limited:                                   £8.0m
        …..Number and Aggregate Value of which BTL loans:                              0 & £0m
        ….of which cash(2):                                                            £8.0m
 6.     Number and aggregate Value of Eligible Loans                                   11 & £39.4m

        secured by first-ranking legal charge (incl Intercompany loans):
 7.     Number and aggregate Value of Eligible Loans                                   0 & £0m

        secured by second-ranking legal charge (incl Intercompany loans):
 8.     Percentage of Portfolio secured by first-ranking                               100%

        legal charge:
 9.     Percentage of Portfolio secured by second-                                     0%

        ranking legal charge:
 10.    Individual LTV Ratio at origination of non buy-to-let Eligible Loans and              1.          53%         1(st) charge
        confirmation as whether each loan is

                                                                                     2.          53%         1(st) charge
        secured by a first-ranking or second-ranking

                                                                                     3.          65%         1(st) charge
        legal charge:

                                                                                              4.          71%         1(st) charge

                                                                                              5.          75%         1(st) charge

                                                                                              6.          75%         1(st) charge

                                                                                              7.          75%         1(st) charge

                                                                                              8.          75%         1(st) charge

                                                                                              9.          85%         1(st) charge

                                                                                             10.         Intercompany

                                                                                             11.         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):         68.43%

 12.b.  Weighted Average LTV Ratio of bridging loans funded by the intercompany loan   66.56%
        to Lendinvest Bridge Limited:
 12.c.  Weighted Average LTV Ratio of regulated loans funded by the intercompany loan  N/A
        to Lendinvest Loans Limited:
 13.    Number and Value of Eligible Loans in material                                 2 & £7.6m

        Arrears(1)
 14.    Interest Coverage Ratio                                                        141.31%
 15.    Location of property (given as a percentage of

        the Portfolio):
        ...property in England                                                         100%
        ......of which, property in Greater London                                     6.13%
        ...property in Wales                                                           0.00%
        ...property in Scotland                                                        0.00%

 

(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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