Invocap
Specialist LenderInvocap is a specialist bridging finance provider based in London, offering short-term property loans to experienced investors and property professionals. The lender is known for flexible structuring, responsive service, and the ability to accommodate both standard bridging requirements and more nuanced, multi-faceted transactions.
About Invocap
Invocap was established by a team of property finance professionals who saw an opportunity to create a bridging lender that combines the flexibility of private lending with the professionalism and reliability of institutional finance. The firm serves borrowers who need a lender that can adapt to the specific demands of each transaction.
The lender provides first-charge bridging loans for property acquisition, refinance, capital raise, and auction completion, secured against residential and commercial assets across England and Wales. Invocap is experienced in handling transactions that involve multiple properties, corporate structures, and layered exit strategies.
Invocap works through intermediaries and has built a reputation for responsiveness and flexibility. The lender's credit team takes a holistic view of each case, considering the borrower's track record, the quality of the security, and the credibility of the exit plan before making a lending decision.
Lending Focus
Invocap offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Flexible structuring for standard and multi-faceted transactions
- Experienced with multi-property and corporate-structure deals
- Holistic credit assessment considering borrower, security, and exit
- Responsive service with quick turnarounds on lending decisions
- First-charge bridging on residential and commercial property
Pros & Cons
Pros
- Genuine flexibility to accommodate complex deal structures
- Experienced with multi-property and corporate borrower transactions
- Responsive and accessible credit team
- Holistic approach to underwriting — not purely criteria-driven
Cons
- –Broker-only — no direct consumer applications
- –No development finance available
- –England and Wales coverage only
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value
- Early Repayment Charge
- No ERC — interest on full term or minimum period
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Invocap
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–3 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Can Invocap handle complex, multi-property deals?
Yes, Invocap has experience with transactions involving multiple properties, corporate structures, and layered exit strategies, and can structure lending to accommodate these requirements.
How does Invocap assess bridging loan applications?
Invocap takes a holistic approach, considering the borrower's track record and experience, the quality and value of the security property, and the credibility of the planned exit strategy.
Does Invocap offer development finance?
No, Invocap focuses on bridging loans for acquisition, refinance, capital raise, and auction completion. Development finance would need to be sourced from an alternative lender.
How quickly does Invocap respond to enquiries?
Invocap prides itself on responsiveness and typically provides initial feedback within 24 hours of receiving a complete enquiry from an intermediary.
How to Apply
Broker only. Invocap products are available through mortgage brokers. Find a broker with Invocap on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Alternative Bridging Corporation | Commercial, Bridging, Adverse Credit+2 | Specialist | 70% |
| Apex Bridging | Commercial, Bridging, Limited Company | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
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Metro Bank’s Specialist Mortgage Lending in the Market
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Semi-Commercial Mortgage Lending Forecast to Exceed £1 Billion
The UK semi-commercial mortgage market is set to exceed £1 billion by 2026, benefiting landlords and investors seeking financing.
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