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.
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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
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?
How does Invocap assess bridging loan applications?
Does Invocap offer development finance?
How quickly does Invocap respond to enquiries?
How to Apply
Broker only. Invocap products are available through mortgage brokers. Find a broker with Invocap on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.