MW Capital Advisory sources specialist ltd company / spv bridging with flexible loan sizes across all UK property types. Fast decisions, expert guidance.
The majority of serious UK property investors now acquire through limited companies or SPVs for tax efficiency. Most specialist bridging lenders are completely comfortable with this structure — and many prefer it. Here's what you need to know.
For most specialist bridging lenders — no. A newly incorporated SPV with no trading history, no accounts, and no assets is fine. They are lending against the property, not the company's track record. Your company must simply be incorporated before they'll lend to it (most lenders require at least one day of registration).
Almost all lenders will require personal guarantees from directors and/or shareholders above a certain threshold (typically 20–25%). This means the limited liability protection of the company doesn't fully apply to the loan itself. Make sure you understand the PG before signing.
Your company's Standard Industry Classification code should reflect property activity — codes 68100, 68201, or 68209 are the most common for property SPVs. A mismatched SIC code can cause unnecessary delays with some lenders.
A newly incorporated SPV is not a problem. Don't let anyone tell you otherwise — specialist bridging lenders deal with brand-new SPVs every week.
Tell us the loan amount, property type, and exit strategy — we'll come back with indicative terms within 24 hours.
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