Offshore Borrowers

Purchasing UK property from overseas presents unique challenges. Most mainstream lenders will not consider non-UK residents or offshore entities, and those that do move slowly and impose restrictive conditions. Berkeley Credit provides specialist bridging finance for offshore borrowers — whether you are an individual based abroad, an overseas company, or a trust structure investing in UK real estate.

We understand the additional due diligence requirements that come with cross-border lending, including enhanced KYC checks, source-of-funds verification, and the complexities of dealing with foreign legal systems. Despite these extra steps, we maintain the same fast turnaround that defines all our bridging products. Our experienced team works proactively with overseas solicitors and compliance professionals to keep the process moving.

Key Features

• Decisions within 24 hours
• Fast completion despite enhanced due diligence
• Up to 70% LTV on UK residential property
• Rates from 0.89% per month
• Overseas companies and trusts accepted
• Non-UK residents and expats welcome
• Experienced in cross-border compliance
• English and Welsh property only

Who Is This For?

Our offshore bridging loans serve expats living and working abroad who want to invest in UK property, overseas investors acquiring residential or commercial assets in England and Wales, and foreign companies and trusts building UK property portfolios. We also assist non-UK nationals relocating to the UK who need to purchase a home before their residency status qualifies them for a standard mortgage. If you've been turned away by a lender because of your overseas status, talk to us — we assess deals individually and focus on the property and exit strategy.

Rates & Costs