Residential Bridging Loans
Bridging Products — Residential
Short-term finance secured against residential investment property, up to 70% LTV, £50,000 to £25,000,000, from 0.79% per month, with a decision in principle the same day.
What is a residential bridging loan?
England & Wales · Direct Lender
A residential bridging loan is short-term finance secured against residential property held for investment, not your own home. Berkeley Credit lends up to 70% LTV, from £50,000 to £25,000,000, from 0.79% per month, with a decision in principle the same day, across England and Wales.
How we lend
We're asset-led, which means a real valuation and a verified, deliverable exit, not a number taken on trust. We lend our own capital and make our own decisions, so a fast answer is a real one, and every loan is secured by a single, properly registered legal charge. Your exit is typically a sale or a refinance onto a buy-to-let or term mortgage.
Where it fits
When investors use one.
Interest can be retained, serviced or rolled up, structured around the deal rather than a standard template.
- Buying an investment property before another sale completes
- Auction purchases on the 28-day deadline
- Securing a property faster than a buy-to-let mortgage allows
- Raising capital against a residential investment asset
- Refurbishing to a mortgageable or saleable standard
Investment property only
We lend on property you don't live in.
We lend on residential property held for investment or business, not on a home you live in. Bridging the purchase of your own residence is regulated lending we don't offer. We also lend readily on more complex cases:
Declined elsewhere
Adverse credit and cases mainstream lenders hesitate over, judged on the asset and the exit, not a box-ticking exercise.
Offshore & expat
Overseas and expat borrowers, with rigorous but practical due diligence on source of funds and security.
Complex ownership
Property held in companies, trusts, SPVs and other structures, frequently via broker introductions.
Common questions