Bridging Loans for Complex Ownership Structures
Bridging Products — Complex Structures
We lend against UK property held through special purpose vehicles, limited companies, trusts, partnerships, LLPs and group-company structures, £50,000 to £25,000,000, with a same-day decision.
Can you get a bridging loan for property held in a complex structure?
Asset-Led · Documentation We Know
Yes. Because we underwrite the asset and the exit, the ownership structure is something we work with rather than a reason to decline.
Why complex structures trip up mainstream lenders
High-street systems are built for a single named borrower. The moment a deal involves multiple parties, a corporate or trustee borrower, beneficial owners behind a vehicle, or cross-guarantees within a group, those systems stall and the deal is declined or left waiting while the lender works out how to document it. The structure isn't the problem; the lender's template is.
How we lend into complex structures
We are asset-led, so the decision rests on the quality of the UK security and the credibility of the exit. The structure is then a documentation exercise we are comfortable with: a legal charge over the property, supported by corporate guarantees, debentures and personal guarantees from the principals as appropriate. We are used to identifying beneficial owners and structuring the security so every party sits correctly in the deal.
Structures we lend to
The structure is a documentation exercise.
Offshore-incorporated borrowers are covered on our offshore & expat pages. All lending is on UK (England & Wales) investment property the borrower does not occupy.
SPVs & limited companies
UK special purpose vehicles and limited companies, including newly incorporated SPVs.
Property held in trust
For business and investment purposes.
Partnerships & LLPs
Partnerships and LLPs with multiple principals.
Group structures
Including intra-group lending and holding-company arrangements.
Due diligence
Supply the structure chart up front, and the deal moves quickly.
Complex structures need clear information on the entities and their ultimate beneficial owners for our anti-money-laundering and source-of-funds checks. Supply the structure chart and ownership detail up front and the deal moves quickly; leave it to the end and it slows. We handle the documentation methodically so the complexity speeds nothing down that it doesn't need to.
Common questions