Bridging Finance
Short-term secured loans for every property scenario
Bridging finance (also called a bridging loan or bridge loan) is a short-term secured loan, typically lasting between 3 and 24 months. Unlike a traditional mortgage, bridging finance focuses primarily on the asset and the exit strategy.
It's commonly used when time is critical — whether you're purchasing at auction, breaking a property chain, funding refurbishment, or bridging the gap between buying and selling. A bridging loan is secured against residential, semi-commercial, or commercial property.
Our Bridging Solutions
Choose the solution that matches your situation
Auction Bridging Loans
Complete your auction purchase within the 28-day deadline. Fast funding to secure your winning bid.
Learn moreDevelopment Exit Bridging
Refinance your development loan as the project completes, giving you time to sell or let at the best price.
Learn moreFast Bridging Loans
When speed is critical. Completions in as little as 7 days with our streamlined underwriting process.
Learn moreHigh LTV Bridging
Borrow up to 75% of your property value. Ideal when you need maximum leverage.
Learn moreRebridge Finance
Replace your existing bridging loan with new terms. Avoid repossession and buy more time.
Learn moreRefurbishment Bridging
Fund light to heavy refurbishment works. Finance the purchase and renovation in one facility.
Learn moreRegulated Bridging
FCA-regulated bridging loans for your current or intended residence. Full consumer protection.
Learn moreUnregulated Bridging
For investment properties and commercial purposes. Faster processing with fewer restrictions.
Learn moreHow Bridging Loans Work
Completion Speed
Completion speed depends on valuation access, legal readiness, and property title complexity. Many bridging loans complete within 7–21 days.
Rates & Costs
Bridging loan rates are usually quoted monthly and vary based on LTV, property type, exit strategy strength, and complexity. Rates start from 0.89% per month.
Exit Strategy
The exit strategy is how the bridging loan will be repaid. Common exits include sale, refinance onto a longer-term mortgage, or repayment from another asset.
LTV & Security
We lend up to 75% of property value depending on the type. Underwriting typically looks at the property itself, the exit plan, and borrower background.
Important: Regulated vs Unregulated
Bridging loans secured against property you or a close family member will live in are regulated by the Financial Conduct Authority (FCA). Loans for investment or commercial purposes are unregulated. Berkeley Credit can arrange both regulated and unregulated bridging loans. Our FCA registration number is 1029007.