Individual / Personal Name
UniversalBorrowing in your own name as an individual
Advantages
- + Accepted by all lenders
- + Simplest application process
- + No company formation costs
- + Fastest to complete
Considerations
- - Personal liability for the loan
- - No tax advantages of company ownership
- - Mortgage interest not deductible against rental income
Documentation Required
Valid ID (passport/driving licence)
Proof of address (utility bill/bank statement)
Source of funds documentation
Lenders Accepting Individual / Personal Name
| Lender | Rate From | Max LTV | Notes |
|---|---|---|---|
| All Lenders | 0.44% /mo | 80% | Every bridging lender accepts individuals |
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