Complex Structures

Not every deal fits the template. When borrowing structures involve SPVs, trusts, multiple securities, cross-charges, or layered ownership, most lenders walk away. At Berkeley Credit, complex is where we thrive. We have deep experience structuring bridging loans around non-standard arrangements, and our underwriting team works directly with you and your solicitors to find a structure that works.

Whether you need to pledge multiple properties as security for a single loan, arrange cross-charges between related entities, or borrow through a trust with corporate trustees, we can put together a bespoke deal that addresses your specific requirements. We assess each transaction on its own merits — the quality of the security, the strength of the exit strategy, and the commercial logic of the deal.

Key Features

• Bespoke deal structuring for non-standard cases
• Decisions within 24 hours
• Multiple properties accepted as security
• SPVs, trusts, and corporate borrowers welcome
• Cross-charges between related entities
• Up to 70% LTV depending on structure
• Rates from 0.89% per month
• Direct access to decision-makers

Who Is This For?

Complex structure bridging is for borrowers whose deal doesn't fit a standard box. That includes property investors with portfolios held across multiple SPVs who need to cross-collateralise, trustees borrowing on behalf of family trusts or pension funds, developers with layered joint venture arrangements, and anyone whose ownership structure, security package, or borrowing entity creates complications that mainstream lenders won't consider. If you've been told your deal is "too complex," we'd like to hear about it.

Rates & Costs