Can you get a bridging loan for property held in a complex structure?
Yes. Berkeley Credit lends against UK property held through special purpose vehicles, limited companies, trusts, partnerships, LLPs and group-company structures. Because we underwrite the asset and the exit, the ownership structure is something we work with rather than a reason to decline. Loans from £50,000 to £25,000,000, for business and investment purposes, with a same-day decision.
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
- UK special purpose vehicles and limited companies, including newly incorporated SPVs
- Property held in trust, for business and investment purposes
- Partnerships and LLPs with multiple principals
- Group structures, including intra-group lending and holding-company arrangements
Offshore-incorporated borrowers are covered on our offshore & expat pages. All lending is on UK (England & Wales) investment property the borrower does not occupy.
Due diligence
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.
An honest answer the same day
Frequently asked questions
Can a company or SPV borrow?
Yes. UK limited companies and special purpose vehicles, including newly formed ones, are routine borrowers, secured by a charge over the property plus a debenture and personal guarantees from the directors as appropriate.
Can property held in trust be financed?
Yes, for business and investment purposes on property the beneficiaries don’t occupy. Trustees should take their own legal and tax advice; we lend on the asset and exit.
Do you need details of the beneficial owners?
Yes. We identify and verify ultimate beneficial owners as part of standard AML due diligence. Having the structure chart ready up front speeds completion.
Is this regulated lending?
No. Berkeley Credit lends for business and investment purposes only and is not fully FCA authorised. We don’t provide regulated, tax or legal advice.
Talk to us about a structured deal
Property in an SPV, trust, partnership or group structure? Tell us how it’s held and get an honest, same-day decision. Loans from £50,000 to £25,000,000 across England and Wales.
Berkeley Credit Limited is registered in England & Wales (Company No. 16111009) and with the FCA under the Money Laundering Regulations (No. 1029007); not fully FCA authorised; no regulated advice. All lending is for business and investment purposes only, on property the borrower does not occupy, and subject to valuation, legals and underwriting.