Can a non-UK resident get a bridging loan?
Yes — foreign nationals and non-UK residents can borrow against UK investment property with Berkeley Credit. Because we lend on the asset and the exit rather than credit-scoring you, a UK credit history isn’t required. Loans from £50,000 to £25,000,000 across England and Wales, for business and investment purposes, with a same-day decision.
Mainstream lenders lean heavily on a UK credit footprint and UK-based income, which leaves non-resident investors stuck. Our asset-led approach removes that obstacle: a sound UK property and a credible exit carry the deal. We are comfortable with overseas income, foreign documentation and the identity checks involved.
Expect thorough identity and source-of-funds verification — it’s standard for non-resident lending and the thing that most affects speed. Get the paperwork ready early. Acceptance is subject to underwriting and sanctions screening.
Do I need UK residency to borrow?
No. Non-UK residents can borrow against UK investment property. The security and exit drive the decision, subject to identity and source-of-funds checks.
Do I need a UK credit history?
No. We don’t credit-score. We underwrite the UK asset and your exit, which is why non-residents without a UK credit file can still be funded.
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.