Offshore Loans & Expat Bridging for UK Property
Bridging Products — Offshore & Expat
Offshore loans and bridging for British expats, foreign nationals and offshore-incorporated companies investing in UK property: £50,000 to £25,000,000, for business and investment purposes, with a same-day decision.
Can expats and offshore borrowers get a UK bridging loan?
UK Asset · Asset-Led Underwriting
Yes. Because the loan is secured on real estate in England and Wales and underwritten on the asset and the exit, your country of residence or incorporation is a structuring question, not a barrier.
Offshore lending for UK property
Offshore lending means borrowing against UK property where the borrower, the individual or the company, sits outside the UK. Offshore loans of this kind are secured on the English or Welsh asset itself, so the question is not which country you live in but whether the security and the exit are sound. Berkeley Credit is one of the offshore lenders that underwrites on exactly that basis, taking a legal charge over the property supported by personal, corporate or debenture guarantees as appropriate.
We lend to borrowers and structures based outside the UK, including offshore-incorporated companies. Every case is assessed on its merits and is subject to valuation, legals and underwriting.
The mainstream problem
Why international borrowers struggle with mainstream lenders.
Banks are built around UK-resident, UK-income, UK-credit-history borrowers. An expat with overseas income, a foreign national with no UK credit footprint, or a property held through an offshore company will often be declined or left waiting, not because the deal is weak, but because it falls outside the standard template and the enhanced due diligence slows a high-street lender down. Specialist lending exists precisely for these cases.
We underwrite the UK asset and the exit, so overseas income, foreign structures and a thin UK credit history are things we work with rather than reasons to decline. We are comfortable with the cross-border documentation and identity checks that the deal requires, and we coordinate with overseas and UK solicitors to keep completion moving. The security is a legal charge over the UK property, supported by personal, corporate or debenture guarantees as appropriate.
Who we work with
International borrowers, UK assets.
If you are a non-UK citizen rather than a British expat, see our dedicated foreign national bridging page. Lending is on UK (England & Wales) investment property only, for business and investment purposes.
- British expats living and earning abroad, investing back into UK property
- Foreign nationals and non-UK residents buying or refinancing UK assets
- Offshore-incorporated companies: Jersey, Guernsey, Isle of Man, BVI and others
- Investors based in the Gulf, Hong Kong, Singapore and other international hubs
Due diligence and compliance
Methodical, so it speeds the deal up.
As a firm registered with the FCA under the UK Money Laundering Regulations, we run thorough anti-money-laundering, identity and source-of-funds checks on every international borrower, and standard sanctions screening. Having the documentation ready, proof of identity, source of funds and structure details, is the single biggest factor in a fast completion. We handle this methodically so it speeds the deal up rather than stalling it.
Common questions