London Credit
Specialist LenderLondon Credit is a specialist lender offering bridging finance and second charge loans secured against residential and commercial property. The lender serves property investors and homeowners who need flexible short-term funding, with both regulated and unregulated products available.
About London Credit
London Credit is a specialist property lender based in London, offering bridging finance and second charge loans for residential and commercial property. The lender was established to provide flexible short-term funding for borrowers who require speed and certainty. London Credit serves property investors, developers, and homeowners through intermediary partners.
London Credit provides both regulated and unregulated bridging and second charge products, covering a wide range of borrower needs. The lender offers first and second charge bridging loans, as well as standalone second charge mortgages for homeowners seeking additional capital. London Credit takes a pragmatic approach to credit assessment, considering each case on its own merits.
London Credit is broker-only and has built strong relationships within the intermediary community. The lender is known for flexible criteria and a willingness to consider non-standard cases that mainstream lenders would decline. London Credit is FCA-authorised and operates across England and Wales.
Lending Focus
London Credit offers mortgage products across 4 categories including Commercial, Bridging, Limited Company and 1 more.
Key Features
- Bridging finance and second charge loans from a single lender
- Regulated and unregulated products available
- First and second charge bridging options
- Flexible credit criteria with individual case assessment
- Covers residential and commercial property across England and Wales
Pros & Cons
Pros
- Offers both bridging and second charge products for flexible solutions
- Regulated and unregulated options cover owner-occupied and investment scenarios
- Flexible criteria — willing to consider non-standard cases
- Pragmatic approach to credit assessment beyond rigid scoring
Cons
- –Broker-only — no direct access for borrowers
- –No development finance available
- –Coverage limited to England and Wales
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — quoted at application stage
- Early Repayment Charge
- No ERC on most bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on London Credit
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Does London Credit offer regulated bridging loans?
Yes, London Credit provides both regulated and unregulated bridging loans, covering owner-occupied residential properties as well as investment and commercial assets.
Can London Credit provide a second charge loan?
Yes, London Credit offers standalone second charge loans in addition to bridging finance, allowing homeowners and investors to raise additional capital without disturbing their existing mortgage.
Does London Credit accept adverse credit?
London Credit takes a pragmatic approach to credit assessment and considers each case on its merits. While not an adverse credit specialist, they may consider cases with historic credit issues.
Where does London Credit lend?
London Credit lends across England and Wales on both residential and commercial property security.
How to Apply
Broker only. London Credit products are available through mortgage brokers. Find a broker with London Credit on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Alternative Bridging Corporation | Commercial, Bridging, Adverse Credit+2 | Specialist | 70% |
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Apex Bridging | Commercial, Bridging, Limited Company | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
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Alternative Commercial Mortgages: New Options for Brokers
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Metro Bank’s Specialist Mortgage Lending in the Market
Metro Bank reports a 73% increase in specialist mortgage lending, impacting borrowers and investors in the UK mortgage market.
Semi-Commercial Mortgage Lending Forecast to Exceed £1 Billion
The UK semi-commercial mortgage market is set to exceed £1 billion by 2026, benefiting landlords and investors seeking financing.
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