Can you get a bridging loan in London?
Yes. Berkeley Credit is a Mayfair-based bridging lender funding investment and commercial property across London — from prime central London to the outer boroughs and the wider South East. We lend on the strength of the asset and a clear exit, with a decision in principle the same day. Loans from £50,000 to £25,000,000, for business and investment purposes, on property the borrower does not occupy.
Why London property runs on bridging
London’s market moves faster than mainstream lenders can. A prime asset listed on Monday can attract competing offers by Wednesday; a commercial unit with development potential can change hands in a week; an auction lot must complete within 28 days or the deposit is forfeit. Sellers and agents favour proceedable buyers with genuine certainty of funds, not just an agreement in principle. Bridging is the standard way London investors move at that pace — and then exit onto a longer-term mortgage or a sale.
Where we lend in London
From our base at 27 Hill Street, we know prime central London first-hand — Mayfair, Belgravia, Knightsbridge, Chelsea, St James’s, Marylebone, Kensington and Holland Park — and we lend right across Greater London and the South East. The asset and the exit drive the decision, not the postcode, but few lenders understand the prime central market as directly as a lender headquartered in it.
What we fund in London
- Prime central London residential investment property
- Commercial and mixed-use buildings held for income
- Conversions and refurbishments, including commercial-to-residential
- Portfolio refinancing and unit-by-unit sell-down on completed blocks
- Auction purchases on the 28-day clock
- Capital raising against London property held for investment or business
All for business and investment purposes, on property the borrower does not occupy.
Built for London deals
Speed with certainty: a same-day decision and funds released as fast as the valuation and legals allow, so you can compete with cash buyers. Meaningful capacity: loans up to £25,000,000 for high-value London assets that exposure-capped panel lenders can’t serve. And real comfort with London’s international buyer base — overseas companies, non-UK residents and holding-company structures are routine for us, with full anti-money-laundering and source-of-funds checks. → Offshore & expat bridging
What we don’t do
We don’t bridge the purchase of your own home. Breaking a chain on a property you intend to live in is regulated, owner-occupier lending, and we don’t offer it. Bridging with Berkeley Credit is for investment and commercial property you don’t occupy — if it’s your residence, we’re not the right lender, and we’ll tell you so.
Frequently asked questions
Do you lend in prime central London?
Yes. We fund investment and commercial property across prime central London — Mayfair, Belgravia, Knightsbridge, Chelsea, Kensington and the surrounding boroughs — and the wider capital, from our Mayfair base.
Can you match a fast London completion?
We issue a decision in principle the same day and work valuation and legals in parallel, so completion in days is realistic where the deal is clean. Auction deadlines are routine. We give an honest timeline up front.
Do you lend to overseas buyers of London property?
Yes. London’s international, non-resident and holding-company buyers are a core part of what we do, secured on the London asset, with full anti-money-laundering and source-of-funds checks.
Can you bridge the gap on buying my own home?
No. Bridging the purchase of a home you’ll live in is regulated owner-occupier lending, which we don’t offer. We lend on investment and commercial property you don’t occupy.
Talk to a London bridging lender today
Tell us about the London deal and get an honest, same-day decision. Loans from £50,000 to £25,000,000, from our Mayfair base.
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.