Customer outcomes come first.
Our commitment is to put Consumer Duty at the heart of product design and delivery: products that meet customers’ needs, fair value, clear information and support throughout their journey.
CUSTOMER FINANCING AT THE POINT OF SALE
Built around your business.
Responsive to your needs.
Aligned with your objectives.
Our product capability is designed to give housebuilders access to routes to purchase that are not available through standard mortgage and broker arrangements.
Explore the capability ↓PRODUCT CAPABILITY. COMMERCIAL PURPOSE.
More routes to purchase.
A coordinated
finance programme.
Lenuity designs finance around specific homes, communities, buyer groups and sales objectives. Distinctive purchase solutions and regulated delivery come together around the needs of your development.
For UK housebuilders working with external lenders and brokers, Lenuity offers a more coordinated, product-led capability. We connect the product proposition and the finance journey, rather than simply referring each buyer to a mortgage provider.
The aim is to improve sales momentum, the number of completed sales, completion speed and site economics. The opportunity is assessed against your development and customers, with outcomes depending on the agreed programme.
REGULATION AND CUSTOMER CARE
You build homes.
We build the financing service.
Lenuity coordinates the finance programme with regulated lending and servicing partners, with clearly defined responsibilities for product delivery and customer care. The service is designed to give you access to the capability without having to assemble the infrastructure yourself.
You can focus on your developments and sales. We design the financing service around your commercial objectives and homebuyers’ needs, with clear guidance on your sales team’s role and the activities reserved for regulated firms.
Sales ambitions. Fair treatment.
Special finance offers should serve your sales objectives and work for the homebuyer. Commercial targets must never override appropriate assessments, customer understanding or fair treatment.
Care beyond completion.
Our service is being designed to support customers throughout homeownership, recognise when they need extra help and identify and address foreseeable harm. High ethical standards must shape the whole relationship.
COMMERCIAL CONTROL, WITH CLEAR BOUNDARIES
The right offer.
For the right moment.
A development.
A plot. One home.
Shape a targeted proposition around the homes and customers you want to serve.
A weekend.
A sales period.
Create limited-time offers within agreed product, funding and delivery arrangements.
Leadership direction.
Site-level response.
Commercial decisions can sit with leadership or be delegated to site teams within the programme’s agreed arrangements.
Promotional interest-rate terms, where applicable, must be agreed within the relevant product and funding arrangements. Commercial control does not mean unrestricted rate-setting or authority to override lending, affordability or advice requirements.
Personalisation starts
with understanding.
Better serving a customer means understanding the home they want, their purchase timing, their preferences and the kind of ownership proposition that fits their plans.
That is a broader conversation than a credit-file category. Any offer still needs to meet the relevant product terms and assessment requirements.
THE CASE FOR INTEGRATED BUILDER FINANCE
Finance can do more
for the business of building.
Leading US homebuilders have shown how integrated finance can support sales, completions and financial performance. Lenuity brings that opportunity to housebuilders through a more advanced, product-led finance service—connecting distinctive purchase solutions with the homes, buyers and commercial objectives of each development.
81%
of homes closed by its homebuilding operations used DHI Mortgage financing. Its report describes coordination across application, mortgage commitment and closing.
D.R. Horton annual report ↗84%
of homebuyers obtaining mortgages in areas where Lennar offered financing used its financial-services subsidiaries.
Lennar annual report ↗$612 million
in reported Financial Services operating earnings, illustrating the financial contribution of its broader service operation.
Lennar annual results ↗Lenuity’s focus is making coordinated product capability accessible through a service, with regulated lending and servicing partners. You bring the homes and sales objectives; we coordinate the finance programme around them.
These are other companies’ reported results, not Lenuity performance or forecasts. Financing-use rates are not sales-conversion rates and do not measure an increase caused by integration.
PRODUCTS WITHIN THE PROGRAMME
Different routes.
One commercial purpose.
Buy By Phone and Let to Sell are examples of a wider product capability. Your programme is designed around the purchase routes your customers need and the commercial objectives of each development. Product availability and delivery arrangements are agreed for each programme.
We start with who you want to sell to, understand what they need and shape the financing around them.
Explore Buy By Phone ↗Explore Let to Sell ↗
BUILT AROUND YOUR BUSINESS
Let’s start with
your development.
Discuss your homes, your sales objectives and where a customer-finance programme could make a difference.
Discuss a development ↗