Who is Berkeley Credit?
Berkeley Credit is a direct, principal bridging lender based in Mayfair, lending its own capital for business and investment purposes across England and Wales. We provide short-term property finance from £50,000 to £25,000,000, from 0.79% per month, with a decision in principle the same day. Part of the Brunel Estates group, we lend on the strength of the asset and a clear exit — not on a long affordability process.
Our approach
We were founded to bring rigour and certainty to a market that too often promises speed at the expense of one or the other. Because we lend our own capital and make our own decisions, the answer is fast and the terms we quote on day one are the terms that complete. Asset-led, to us, means a real valuation and a verified, deliverable exit — not a number taken on trust. Every loan is secured by a single, properly registered legal charge, on transparent terms, with no surprises between offer and completion.
Leadership
Berkeley Credit is led by its founder, Gotz Mohindra OBE. His background in leveraged finance at UBS and his economics training at the London School of Economics underpin the firm’s disciplined, credit-led approach to short-term property lending — the judgement of an institutional financier applied to deals that need to move quickly.
Who we lend to
Property investors, businesses and corporates — including offshore and expat borrowers, and property held in companies, trusts and partnerships — often introduced by brokers. We’re known for taking on the cases others hesitate over: adverse credit, complex ownership and time-critical deals. → Declined elsewhere · Offshore & expat · Complex ownership · Brokers
What we offer
Residential bridging on investment property, commercial and mixed-use bridging, auction finance, refurbishment finance and second charge bridging — £50,000 to £25,000,000, over 3 to 24 months, first or second charge, for business and investment purposes on property the borrower does not occupy.
Where to find us
We are based at 27 Hill Street, London W1J 5LP — in the heart of the prime central London market we lend into.
Frequently asked questions
Is Berkeley Credit regulated by the FCA?
Berkeley Credit Limited is registered with the FCA under the Money Laundering Regulations (No. 1029007) but is not fully FCA authorised. We lend for business and investment purposes only, which is unregulated lending, and we don’t provide regulated advice.
Is Berkeley Credit a direct lender?
Yes. We are a principal lender, lending our own capital and making our own credit decisions — which is why we can give a same-day decision and certainty of terms.
Where is Berkeley Credit based?
At 27 Hill Street in Mayfair, London W1J 5LP. We lend across England and Wales.
Berkeley Credit Limited is registered in England & Wales (Company No. 16111009) and with the FCA under the Money Laundering Regulations (No. 1029007); not fully FCA authorised; no regulated advice. All lending is for business and investment purposes only, on property the borrower does not occupy, and subject to valuation, legals and underwriting.
Meet the Team
Gotz Mohindra OBE — Founder & Chairman
Gotz graduated with an honours degree in Economics from the London School of Economics, where he served as a governor of the university. He began his professional career in Leveraged Finance at UBS Warburg, then founded a commodity trading company before selling out to become a professional investor with a particular interest in property. He is the founder and Chairman of Berkeley Credit.
Gotz has also served as Chairman of Planning for Westminster Council, as a board member of the Conservative Party — where he also served as its compliance officer — and as Chairman of its Risk and Governance Committee. He was conferred with an Order of the British Empire in King Charles III’s inaugural New Year Honours list in 2022 for services to politics.
Garv Sud
Garv graduated from the University of Nottingham with an honours degree in Industrial Economics and began his career in London’s real estate finance sector. He then joined a private healthcare startup as Commercial Head, overseeing its growth from a single employee to a team of 50, before returning to private credit and real estate lending. Most recently he was a senior underwriter at a boutique lender in Mayfair, joining Berkeley Credit thereafter.
Henry Lloyd Brett — Underwriter
Henry graduated with first-class honours in Economics, Finance and Banking before beginning his career in real estate finance at a boutique lender. He spent a year-long placement as a Loan Monitoring Officer, gaining hands-on experience in portfolio oversight and risk identification, followed by a year in underwriting, developing his expertise in credit assessment and lending decisions. He now brings that experience to his role as an Underwriter at Berkeley Credit.