A growing share of UK property investors hold property through a limited company, often a special purpose vehicle (SPV) set up only to own and manage property. Bridging lenders routinely lend to these companies, but the assessment looks at both the company and the people behind it.
In short: A limited company bridging loan is short-term finance taken out by a company rather than an individual. Lenders review the company’s structure and the directors and shareholders, and commonly ask for personal guarantees. The property, the loan-to-value and the exit remain central.
What is a property SPV?
An SPV is a limited company whose business is limited to property investment, usually identified on Companies House by a property-related SIC code. Keeping property in a dedicated company can make ownership and accounts easier to follow, and lenders often prefer that clarity.
What do lenders check?
- Company records: registration, directors, persons with significant control and any existing charges at Companies House.
- Ownership: who owns the shares, including any corporate shareholders, so the ultimate beneficial owners can be identified.
- Know Your Customer checks on directors and significant shareholders.
- Personal guarantees: many lenders ask directors or shareholders to guarantee the company’s obligations.
- Experience of the people running the company with similar projects.
Why does the structure matter now?
From 6 April 2027, individuals will pay higher income tax rates on property income, while companies pay corporation tax instead, as covered in our Autumn Budget 2026 update. Moving existing property into a company can trigger other taxes, such as stamp duty and capital gains tax, so any change of structure should be planned with an independent tax adviser before finance is arranged.
Frequently asked questions
Can a limited company get a bridging loan?
Yes. Bridging lenders regularly lend to limited companies, including special purpose vehicles set up to hold property.
Do directors need to give a personal guarantee?
Many lenders require personal guarantees from directors or significant shareholders. Terms vary by lender.
What is an SPV in property?
A special purpose vehicle is a limited company set up only to buy, hold and manage property, usually with a property-related SIC code.
Should I move my properties into a company?
That is a tax and legal decision. Transfers can trigger stamp duty and capital gains tax, so take independent advice first.
Important information
Ponte Finance PLC is a private lender, not a bank, and is not authorised or regulated by the Financial Conduct Authority. Lending is for business purposes only and is not available to consumers or for property occupied, or to be occupied, by the borrower or a family member as a home. All loans are secured against property, and the property may be repossessed if repayments are not maintained. This article is for general information only and reflects publicly available data at the date of publication. It does not constitute an offer of finance, a forecast, or financial, investment, tax or legal advice. Ponte Finance PLC is registered in England and Wales, company number 15859004, registered office 225 Clapham Road, London SW9 9BE.