What is fast property finance?
Fast property finance is short-term lending secured against property and arranged quickly — what the industry calls a bridging loan. Berkeley Credit lends from £50,000 to £25,000,000 against property in England and Wales, for business and investment purposes, with a decision in principle the same day and completion run to your deadline.
When a mortgage or bank facility would take weeks you don’t have, property-secured finance can be arranged in days. The speed comes from how the loan works: it’s underwritten on the asset and a clear exit — a sale, a refinance, or business proceeds — rather than a long affordability process.
When speed matters
- An auction purchase with a 28-day completion deadline
- A chain break, or a buyer or lender pulling out at the last minute
- A time-sensitive purchase or off-market opportunity you can’t wait on
- Capital needed quickly for a refurbishment, an acquisition or working capital
Fast — without cutting corners
We give a decision in principle the same day because we lend our own capital and make our own decisions — not because we skip the checks that protect everyone in the deal. A proper valuation and clean legals still happen; we just run them quickly and in parallel, and we don’t disappear into a committee. Speed and diligence aren’t a trade-off when the lender is set up for both.
How fast is fast?
A decision in principle comes the same day. From there, how quickly funds are released depends on the valuation and the legal work — where title is clean, the valuation is straightforward and you and your solicitor move promptly, completion in a matter of days is realistic, and meeting an auction deadline is routine. More complex security takes a little longer. We’ll give you an honest timeline up front rather than a number we can’t hit.
It is a bridging loan
“Fast property finance”, “quick property loan” and “short-term property finance” all describe the same product: a bridging loan. Once you know the deal, explore the right option — residential, commercial, auction, refurbishment, second charge or re-bridging. → See our bridging products
Frequently asked questions
How quickly can I get the money?
A decision in principle comes the same day. Funds follow once valuation and legals are done — in straightforward cases that can be a matter of days, and auction deadlines are routine. We give an honest timeline for your specific deal up front.
Is fast property finance the same as a bridging loan?
Yes. “Fast property finance”, “quick property loan” and “short-term property finance” are everyday terms for a bridging loan — short-term lending secured against property.
What can slow a fast completion down?
Usually the legal work and valuation — title issues, slow responses from a solicitor, or missing identity and source-of-funds documents. Getting your paperwork ready early is the single biggest thing you can do to keep it fast.
Can you meet an auction deadline?
Yes — funding aligned to the 28-day auction deadline is exactly what the product is built for. Bring us the lot before or after the hammer and we’ll work to the date.
Need finance fast? Talk to us today
Tell us about the deal and get an honest, same-day decision. Loans from £50,000 to £25,000,000 across England and Wales, for business and investment purposes.
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.