Products
Our Products
Bridging finance, structured around the deal.
Berkeley Credit is a direct, principal bridging lender. Every product below is underwritten the same way — on the asset and the exit — from £50,000 to £25,000,000, over 3 to 24 months, on a first or second charge, with a decision in principle the same day.
By Property Type
What we lend on.
Residential Bridging
Short-term finance secured against residential investment property — up to 70% LTV, from 0.79% per month, with a same-day decision in principle.
View product →Commercial & Semi-Commercial
Offices, retail, industrial and mixed-use — up to 65% LTV, with completions typically in one to three weeks.
View product →Second Charge Bridging
Raise capital against equity without disturbing a favourable first charge — assessed on combined LTV.
View product →By Situation
Built for the deadline.
Auction Finance
Bridging arranged to complete within the standard 28-day auction deadline — a decision before you bid, or straight after the hammer.
View product →Fast Property Finance
When a mortgage would take weeks you don't have — a same-day decision and completion run to your deadline.
View product →Specialist Bridging
Chain break, probate, land, HMO, unmortgageable property, below-market-value purchases and more.
Explore the hub →By Borrower
Complex borrowers, welcome.
Offshore & Expat
British expats, non-UK residents and offshore-incorporated companies investing in UK property.
View product →Foreign Nationals
Non-UK citizens, with or without UK residence or credit history — nationality is a structuring question, not a barrier.
View product →Complex Structures & SPVs
SPVs, limited companies, trusts, partnerships, LLPs and group structures — including our dedicated SPV bridging page.
View product →Every Product
The same disciplined lending.
We lend our own capital and make our own credit decisions — so a fast answer is a real one, and every loan is secured by a single, properly registered legal charge.
- £50,000 – £25,000,000 loan size
- 3 to 24 month terms
- First or second charge
- Decision in principle the same day
- Business and investment purposes on non-owner-occupied property