Loan Size: £50,000-£25,000,000
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 when acquiring a new investment property, funding refurbishment, or exiting another asset. They range from £50,000 to £25 million and are secured against property in good or poor condition.
We provide smart, short-term finance designed to support auction purchases, refurbishment projects, re-bridging, 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 landlords and property investors buying, refinancing, or refurbishing residential investment 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.
A bridging loan is short-term finance secured on property. It is used to buy quickly, for example at auction, to fund a refurbishment, to refinance, or to release capital while longer-term funding is arranged.
Berkeley Credit lends for business and investment purposes. We decide on the value of the security and on how the loan will be repaid, rather than on income multiples.
We lend from £50,000 to £25,000,000, on first or second charge.
The maximum LTV is 70% for residential property and 65% for commercial and mixed-use property. We may adjust this depending on the property and the planned exit.
Our usual term is 12 months. If your plan needs a different term, for example for a refurbishment or development, tell us at the start and we will look at what suits the project.
We give a decision in principle on the same day. On straightforward transactions we can complete within 7 days. Timing depends on the valuation, the legal work and how complete the information is when we receive it.
Rates start from 0.79% a month. The rate you are offered depends on the use of funds, the type and value of the property, the loan size and LTV, any other charges on the property, and the strength of the exit.
Interest is rolled up, so you make no monthly payments during the term. The arrangement fee is up to 2%. There is an exit fee of 1% on commercial loans only. You will also pay for the valuation and legal work, and we send you quotes for both before you commit.
The exit is how the loan will be repaid. We look at the exit alongside the security.
The usual exits are sale of the property, refinance onto longer-term finance, or business proceeds. A clear, realistic exit is the most important part of any application.
Yes. We lend to individuals, limited companies, SPVs, trusts and offshore structures, secured on property in England and Wales. For offshore borrowers and complex ownership we arrange the legal opinions that the structure needs.
We can help. We start with the property and the exit, and we want to understand what happened and why, so that we can be sure it will not affect your ability to repay our loan. Tell us about it at the outset and give us the full picture.
We can take a view on land, HMOs, refurbishment projects and properties that standard mortgage lenders will not take. Each case is assessed on its own merits and subject to underwriting. The main requirement is an exit that we can follow and rely on.
No. Our loans are for business and investment purposes only and are secured on property you do not live in. They are not regulated by the Financial Conduct Authority. We do not lend against a home you or your family occupy.
Berkeley Credit Limited is not authorised by the Financial Conduct Authority but is registered with it under the Money Laundering Regulations 2017 (reference 1029007). The property used as security may be at risk if the loan is not repaid.
