Company Announcements

NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES OR TO ANY U.S. PERSON, OR IN ANY OTHER JURISDICTION WHERE SUCH DISTRIBUTION WOULD BE UNLAWFUL.

UK MiFIR target market (product governance): eligible counterparties, professional clients and retail clients (all distribution channels).

This announcement is a financial promotion for the purposes of Section 21(2)(b) of the Financial Services and Markets Act 2000 ("FSMA") and has been approved for communication in the United Kingdom by Allia C&C Ltd (FRN 231055).

LENDINVEST ANNOUNCES LAUNCH OF 8.25% NOTES DUE 2030

14 October 2025

LendInvest Secured Income III plc (LEI: 213800MARSG713FSSU68) (the "Issuer"), an indirectly wholly-owned subsidiary of LendInvest plc ("LendInvest" or the "Guarantor"), today announces the launch of a new series of 8.25 per cent Notes due 2030 (the "New Bonds") under its £1,000,000,000 Euro Medium Term Note Programme (the "Programme").

At the same time, the Issuer and Guarantor are proposing an Exchange Offer to holders of the outstanding 11.5 per cent Notes due 2026 and 6.5 per cent Notes due 2027, each issued by LendInvest Secured Income II plc, inviting them to exchange their holdings for the New Bonds.

This issuance marks another step in the LendInvest Group's long-term strategy to broaden access to property finance asset investment, in a fast-growing asset class traditionally dominated by institutions.

New Bond Key Terms

The New Bonds carry a fixed coupon of 8.25 per cent per annum, payable semi-annually over their 5-year intended term, and are expected to mature in 2030. On maturity, they will be redeemed at 100 per cent of their nominal value.

They are backed by a first floating charge over a pool of Eligible Loans, which primarily comprise UK residential, buy-to-let, bridging and development loans originated and managed by LendInvest. The New Bonds are subject to a partial 20 per cent guarantee from LendInvest plc, as defined in the Base Prospectus.

The collateral pool is subject to defined criteria, including a maximum weighted-average loan-to-value (WALTV) ratio of 77.5 per cent. The Eligible Loans are supported by LendInvest's existing underwriting and credit-risk processes, which have been applied to more than £8 billion of property lending since 2008.

The minimum initial subscription amount is £1,000, with multiples of £100 thereafter. Investors may sell the New Bonds on the open market through their stockbroker.

Exchange Offer

Holders of the Existing Bonds can participate in the Exchange Offer through their broker. Full details, including the final coupon and exchange ratio, are available in the Exchange Offer Memorandum and Prospectus.

A base prospectus dated 13 October 2025 and an exchange offer memorandum and prospectus dated 14 October 2025 have been prepared and made available to the public in accordance with the UK Prospectus Regulation. These documents, together with the final terms relating to the New Bonds, are available for viewing at:

Base Prospectus:

https://docs.lendinvest.com/web/public-pdfs/listed-bond-5/base-prospectus.pdf

Exchange Offer Memorandum and Prospectus:  https://docs.lendinvest.com/web/public-pdfs/listed-bond-5/eom-prospectus.pdf

Final Terms: https://docs.lendinvest.com/web/public-pdfs/listed-bond-5/final-terms.pdf

Any investment decision should be based solely on these documents.

About LendInvest

LendInvest (AIM: LINV) is a UK-based alternative property-finance platform providing short-term, development and buy-to-let mortgages to professional property investors and developers. Its technology-enabled platform supports origination, credit assessment and ongoing asset management.

As at 31 March 2025, the Group reported Funds Under Management of £5.13 billion and Platform Assets Under Management of £3.23 billion. The statutory loss before tax narrowed to £1.2 million for FY25, with a return to profitability in the second half of the year.

Management Commentary

Rod Lockhart, CEO of LendInvest, said:

"This issuance represents the continued development of our secured-income programme and provides investors with access to bonds backed by UK property-finance assets within a clearly defined structure."

Adrian Bell, CEO of Allia C&C, said:

"We are pleased to support LendInvest once again through the launch of this new bond, following the successful completion and repayment of prior series under the programme."

Distribution and Admission

Lead Manager: Allia C&C is acting as arranger and initial dealer.
Authorised Offerors: The New Bonds will be made available through authorised distributors including AJ Bell, Hargreaves Lansdown and Interactive Investor.
Listing: Application will be made for the New Bonds to be admitted to the Official List of the FCA and to trading on the London Stock Exchange's ORB market.
Offer Period: Expected to close on 11 November 2025. The Issuer may close the offer early in consultation with the Lead Manager, with notice given via RNS.

Investor enquiries: investorrelations@lendinvest.com
Further information: https://www.lendinvest.com

Risk Factors

• The value of investments and the income from them can fall as well as rise, and investors may not get back the amount originally invested.
 • The New Bonds are not protected by the Financial Services Compensation Scheme (FSCS).
 • If the Issuer or Guarantor were to become insolvent, investors could lose some or all of their investment.
 • Investors should ensure they fully understand the risks involved and obtain independent financial advice before making any investment decision.

Regulatory Information

This announcement is a financial promotion for the purposes of section 21(2)(b) of the Financial Services and Markets Act 2000 ("FSMA") and has been approved for communication in the United Kingdom by Allia C&C Ltd (FRN 231055), which is authorised and regulated by the Financial Conduct Authority. Its content is directed only at eligible counterparties, professional clients and UK retail clients to whom it may lawfully be communicated.

Manufacturer target market (UK MiFIR product governance): eligible counterparties, professional clients and retail clients (all distribution channels).

The information contained in this announcement is provided for background purposes only and does not purport to be full or complete. No reliance should be placed on its contents for any investment decision.

Any investment in the New Bonds should only be made on the basis of the Prospectus, Final Terms and Exchange Offer Memorandum and Prospectus, published today. This announcement is not, and should not be interpreted as, an offer to sell or a solicitation of an offer to buy any securities in any jurisdiction.

The information contained herein may only be released, published or distributed in the United Kingdom, the Isle of Man, Jersey and the Bailiwick of Guernsey in accordance with applicable regulatory requirements. It is not for release, publication or distribution in or into the United States, Australia, Canada, Japan, South Africa, the Republic of Ireland or any other jurisdiction where to do so would be unlawful.

Any securities referred to herein have not been and will not be registered under the United States Securities Act of 1933 (as amended, the "Securities Act") and, subject to certain exceptions, may not be offered or sold within the United States or to, or for the account or benefit of, United States persons. Any such securities are being offered and sold outside the United States in reliance on Regulation S under the Securities Act. There will be no public offering in the United States.