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Residential Bridging Loans

Residential Bridging Loans

Residential Bridging Loans | 70% LTV, Fast to £25m — Berkeley Credit

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.

Bridging Loan Residential Investment First or Second Charge

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.

Loan Size£50k – £25m
Max LTV70%
Rates From0.79%/month
Term3 – 24months
Charge1st or 2nd
DecisionSame day

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

Frequently asked questions.

Can I get a residential bridging loan on my own home?
No. We lend only on residential property held for investment or business that you don't occupy. Bridging a home you'll live in is regulated lending we don't offer.
How much can I borrow?
Up to 70% of the property's value, from £50,000 to £25,000,000, based on a proper valuation and a credible exit.
How quickly can I get a decision?
A decision in principle the same day. Completion then depends on valuation and legals, run to your deadline.
How is a residential bridge repaid?
Usually by selling the property or refinancing onto a buy-to-let or term mortgage. We confirm the exit is realistic before we lend.

Calculate how much I can borrow

Do you want to understand the potential cost of your bridging loan?

Get an idea of the monthly cost and fees involved with a few details using our loan calculator

Loan Calculator
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Berkeley Credit specialises in fast bridging loans UK wide, short-term finance, and property funding solutions tailored to your needs.

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Copyright © 2026 Berkeley Credit I Company No: 16111009 I FCA (MLR) Ref: 1029007
Berkeley Credit Limited (‘Berkeley Credit’) is registered in England & Wales. Company Number 16111009. Registered Office: 27 Hill Street, Mayfair, London, W1J 5LP. Berkeley Credit is not authorised by the Financial Conduct Authority but is registered with the Financial Conduct Authority under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017. FCA Registration number 1029007. Berkeley Credit provides loans for business and investment purposes only, secured by first or second charge over non-owner-occupied property in England and Wales. These loans are not regulated by the Financial Conduct Authority. As with any secured lending, the property used as security may be at risk if the loan is not repaid.