Loan Size: £100,000-£5,000,000
Maximum LTVs:
Residential – 70%
Commercial – 65%
Mixed-use – 65%
Rates starting from 0.79% pm
A bridging loan is a short-term solution designed to help you bridge the gap between buying a new property and selling an existing one, funding refurbishments, or securing a quick purchase. They range from £100,000 to £5 million and are secured against property in good or poor condition.
We provide smart, short-term finance designed to support auction purchases, property development, chain breaks, and business cash flow.
Use our loan calculator to generate instant indicative terms
Enter your personal and property details to generate an immediate Decision In Principle (also know as Agreement In Principle)
Receive valuation and legal quotes straight to your mailbox
Draw down your loan once the valuation report and legal work is complete
From residential deals to complex funding, our bridging finance covers diverse needs with speed, precision, and expert support.
Short-term finance for homeowners, landlords, and investors buying, refinancing, or refurbishing residential property.
Funding for shops, offices, mixed-use premises, and other commercial properties with business or residential elements.
Raise capital by securing a second charge loan against existing properties—ideal when the first mortgage remains in place.
We support layered funding, multiple securities, and unconventional scenarios with experienced underwriting and structuring.
Tailored bridging solutions for UK and international investors looking to grow or restructure their property portfolios.
We partner with brokers and offshore clients to deliver transparent terms, fast decisions, and personalised service across borders.
We can lend up to 70% of your property’s value. However, please note that the maximum loan-to-value ratio we can offer might be adjusted depending on the nature of the property.
A bridging loan is a short-term loan, which covers the gap between paying out for a new home before receiving the proceeds of the sale of another, they usually lasts up to 12 months.
If you’ve got less-than-perfect credit, such as a small blip that’s caused a big impact on your credit score – we’ll use our common sense when reviewing your application, and look at your credit history instead.
We can also ignore adverse credit that’s over 12 months old when it comes to deciding your interest rate.
The rate you're offered may be influenced by several factors, including:
What you're using the bridging loan for.
The type and value of the property you're using to secure the loan.
How much you need to borrow (both in total, and as a percentage of your property's value).
Whether you have any other loans secured against the property, that won't be repaid by this loan.
Your credit history (but not your credit score).
Whether you’re a sole trader, freelancer or side-hustler, we can accept self-employed applicants with just 12 months trading history, and you’ll get the same rates as someone with a regular income.
We’ll look at your last three months’ earnings, so even if you took advantage of the Self-Employed Income Support Scheme in 2020, you’ll still be treated as normal.
We’ve got decades of experience in getting bridging cases over the line quickly – and much faster than a typical fixed-term loan or mortgage. This means a bridging loan could get you the cash you need while waiting for longer-term borrowing to be arranged.
A bridging loan is short-term, so you may choose one if you only need money temporarily – perhaps to sort out a cash flow problem, to bridge the gap between buying a property and securing a mortgage, or because you're intending to turn around a project quickly.
Yes – we can lend on land for a range of purposes. And if you’ve got planning permission in place, we have development finance options available which can last up to 24 months.
Yes – we have a maximum age of 85 years at the end of the term.
So if you’ve found the perfect retirement property, you don’t need to wait around for your current one to sell, and you’ll have plenty of time to organise your move and make the transition gradually.
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Berkeley Credit specialises in fast bridging loans, short-term finance, and property funding solutions tailored to your needs.