Lendhub is a specialist short-term lender for property investors and developers, covering residential and mixed-use bridging, light to heavy refurbishment, commercial to residential conversions, development exit and ground-up development. Bridge & Build Finance is an independent broker and is not part of Lendhub; it is one of the lenders we compare for bridging loans, heavy refurbishment and development finance. You can read more on Lendhub's own website.
About Lendhub
Lendhub Limited is registered in England and Wales and based in north London. It describes itself as a people-centric team of around 30, with direct access to its credit team, and says it has been lending for about seven years. It says it is backed by established funding sources and access to private funds, and that its team includes first-hand developer experience.
Lendhub lends only against property in England and Wales, and only for investment and business purposes. It does not lend to owner-occupiers, so it does not offer regulated bridging.
Its stated point of difference is tailored loan structuring, with a willingness to consider cases other lenders may decline.
What Lendhub funds
At the time of writing (October 2026), Lendhub's August 2026 guide and lending focus show the following. Lendhub values on open market value, not a 90 or 180-day value, which can mean a larger loan on the same property.
| Product | What it is for | Size | Maximum leverage |
|---|---|---|---|
| Residential and semi-commercial bridging | Purchases, auction purchases, refinance, HMOs and multi-unit blocks | £100,000 to £10m | Up to 75% LTV; up to 90% of costs on below-market purchases |
| Light and moderate refurbishment | Cosmetic and non-structural works | Up to £5m | Up to 75% net day one and 75% of GDV |
| Heavy refurbishment | Structural works, airspace and HMO conversions, funded in tranches or on day one | From around £200,000 | Up to 75% net day one and 70% of GDV |
| Commercial to residential | Converting commercial buildings to homes, including permitted development | From £250,000 | Up to 70% LTV |
| Development exit | Refinancing completed schemes while units sell or let | From £200,000 | Up to 75% LTV |
| Second charge bridge | Raising funds behind an existing mortgage | £50,000 to £500,000 | Up to 65% combined LTV |
| Ground-up development | Residential-led new build | £500,000 to £7.5m, 6 to 24 months | Up to 90% of costs and 70% of GDV, funding up to 100% of build costs |
Bridging terms run up to 24 months, and Lendhub says it charges no exit fees on its bridging range. It also offers pre-planning bridging. Fully commercial property is only considered where it is being converted to residential. Our guides to commercial to residential finance and permitted development finance explain these projects.
Who Lendhub suits (and who it may not)
Lendhub tends to suit:
- Investors buying at auction or below market value in England and Wales.
- First-time and experienced landlords, and first-time developers on suitable schemes.
- HMO conversions, airspace and commercial to residential projects.
- Developers wanting bridging, development and exit finance from one lender.
- Foreign nationals and offshore companies, which it may consider.
It may not suit homeowners, properties in Scotland or Northern Ireland, fully commercial investment property, non-standard construction or Grade I listed buildings, or borrowers with a recent bankruptcy or liquidation.
What Lendhub looks at
Lendhub says it gives accurate terms from the outset. It looks at:
- The property, valued at open market value by an independent valuer, and its construction and listing status.
- For works: the schedule of works, costs and the value after completion.
- The exit, such as refinance onto a buy-to-let mortgage or sale of units.
- The borrower: individuals aged 18 to 85, companies, SPVs and LLPs, with personal guarantees from significant shareholders.
- Background: no bankruptcy or liquidation in the last three years and no relevant criminal convictions.
Pros and cons
Pros
- Lends against open market value.
- No exit fees on its bridging range.
- Covers bridging, refurbishment, development exit and ground-up development.
- First-time landlords and developers considered.
- Up to 90% of costs on below-market purchases and ground-up schemes.
Cons
- England and Wales only.
- No regulated or owner-occupier lending.
- Fully commercial property only for conversions.
- Second charge loans capped at £500,000.
Going through a broker vs going direct
Lendhub works closely with brokers. Comparing first matters because valuation basis, day-one leverage, how works are funded and exit fees all change the true cost and the amount you can raise. A lender valuing at open market value may lend more, but the overall cost still needs comparing.
We search the market, set Lendhub alongside other suitable lenders, present your case and manage the application through to completion. It is free to enquire, and any broker fee is disclosed before you proceed.
Alternatives to Lendhub
- Lowry Capital: bridging, land and heavy refurbishment alongside ground-up development.
- Funding 365: bridging, heavy refurbishment and ground-up development.
- Mint Property Finance: bridging, heavy refurbishment and development.
- Roma Finance: bridging, development exit and heavy refurbishment.
- Catalyst: bridging including developer exit and commercial to residential.
Common questions
How much can I borrow from Lendhub?
At the time of writing, Lendhub lends from £100,000 to £10 million on bridging, up to £5 million on refurbishment and up to £7.5 million on ground-up development.
Does Lendhub lend on open market value?
Yes. Lendhub says it lends on open market value rather than a 90 or 180-day value.
Does Lendhub lend to first-time developers?
Lendhub considers first-time landlords and developers, although it says experienced developers are preferred for ground-up schemes.
Where does Lendhub lend?
England and Wales only.
Does Lendhub offer regulated bridging?
No. Lendhub does not lend to owner-occupiers. If you need to borrow against your own home, we can compare regulated bridging lenders.
This review is our independent summary of the lender's publicly stated lending, checked in October 2026. Criteria change, so confirm the current position before relying on it. Bridge & Build Finance is an independent broker and is not part of any lender reviewed. Finance is subject to status, valuation and lender approval.
