Company Types for Bridging
Find lenders who accept your borrowing structure. From personal name to offshore companies, see which lenders work with each entity type.
| Structure | Acceptance | Typical LTV | Rate Premium | Complexity |
|---|---|---|---|---|
| Individual | Universal | Up to 80% | None | Low |
| Limited Company | Very Common | Up to 75% | None/Minimal | Low-Medium |
| SPV | Very Common | Up to 75% | None | Low |
| LLP | Common | Up to 75% | +0.05-0.10% | Medium |
| Offshore Company | Specialist | Up to 65% | +0.10-0.20% | High |
| Trust | Specialist | Up to 60% | +0.10-0.20% | High |
| SSAS/SIPP | Specialist | Up to 50% | +0.15-0.25% | Very High |
Choose Your Structure
Individual / Personal Name
Borrowing in your own name as an individual
UniversalLimited Company (Ltd)
Borrowing through a UK limited company
Very CommonSpecial Purpose Vehicle (SPV)
Borrowing through a property-specific SPV company
Very CommonLimited Liability Partnership (LLP)
Borrowing through an LLP structure
CommonOffshore Company
Borrowing through a non-UK registered company
SpecialistTrust
Borrowing through a trust structure
SpecialistSSAS / SIPP Pension Fund
Borrowing through your pension fund
SpecialistChoosing Your Structure
First-time investors
Individual or SPV are the simplest options. SPV gives tax advantages if you plan to keep the property long-term.
Portfolio landlords
Ltd company or multiple SPVs allow for tax-efficient growth. Consider an umbrella Ltd with SPV subsidiaries.
High net worth individuals
Trusts and offshore may have benefits but need specialist advice. Always take tax and legal guidance.