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.
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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
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?
Can London Credit provide a second charge loan?
Does London Credit accept adverse credit?
Where does London Credit lend?
How to Apply
Broker only. London Credit products are available through mortgage brokers. Find a broker with London Credit on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.