Auction deals move fast. You typically have just 28 days to complete it. Traditional mortgages rarely meet this timeline. That’s where Berkeley Credit’s auction finance comes in. We provide bridging loans that help you secure property quickly and confidently, even when others can’t lend.
We simplify the auction finance process so you can move fast and with clarity. From pre-approval to completion, we ensure every step is efficient.
Apply for a Decision in Principle before the auction. Know your borrowing limit early and bid with confidence.
We arrange a quick property valuation once your bid is successful. This helps determine final loan terms.
After legal checks, funds are released. You complete on time and avoid penalties or loss of deposit.
A clear exit strategy is essential for loan approval. Common exits include refinancing or selling the property. It shows how you’ll repay the loan confidently.
At Berkeley Credit, we offer a wide range of auction finance options. Each product is customized to the borrower and property type.
Ideal for buy-to-let purchases or homes needing refurbishment. We lend even if the property is unmortgageable or fails a survey.
Perfect for mixed-use buildings such as shops with flats above. We structure loans around the full value and income potential of the asset.
We fund shops, offices, warehouses, and light industrial units. Our team works with investors, developers, and business owners.
We welcome non-UK residents, SPVs, and offshore companies. Our flexible approach ensures fast funding for international clients.
We support borrowers with non-standard arrangements. This includes SPVs, joint ventures, trusts, and layered ownership setups.
Need additional funds? Our second-charge loans can sit behind an existing mortgage or bridge, giving you fast access to capital.
We lend up to 75% Loan-to-Value, with terms typically from 6 to 18 months. You may choose to roll up interest or pay monthly.
Auction finance offers speed and access, but it carries higher interest rates and fees compared to standard mortgages. It serves urgent transactions because it is a short-term product.. You should always weigh the cost against the potential return or refinance strategy.
Do you want to understand the potential cost of your bridging loan?
Get an idea of the monthly cost and fees involved with a few details using our loan calculator
Berkeley Credit specialises in fast bridging loans UK wide, short-term finance, and property funding solutions tailored to your needs.