London Credit
A principal lender deploying its own capital into residential, commercial and semi-commercial bridging and development, up to £4m a facility, from around 0.53 per cent a month.
What they do
London Credit lends its own balance-sheet capital rather than arranging for others, with in-house underwriting and a broker-led origination team. Products cover residential bridging from about 0.53 per cent a month at conservative leverage, commercial and semi-commercial bridging, development loans to £3.5m, and auction, refurbishment and development exit facilities. The book is concentrated in London and the South East, with deals also completed in Bedfordshire and Merseyside.
Where they fit in a lower-mid-market raise
Headline pricing at the bottom of this lender's range is among the keenest in bridging, and being a principal it can move to a seller's deadline. For a £3m to £4m property slice of a larger transaction, particularly in London and the South East, it is a credible and quick source.
Where they are not the fit
Facilities cap at £4m on bridging and £3.5m on development, with refurbishment capped lower still, so this covers only the bottom of a £3–15m raise and sits at the top of the lender's own box. Lending is business-purpose and unregulated, with no evidenced activity in Scotland or Northern Ireland. Fee detail is not published.
Published terms
- Pricing
- Headline from ~0.53-0.55%/m (residential 65% loan to value) up to ~0.90-0.93%/m for high-loan to value or development or refurbishment. Monthly-rate loan to value lending; no arrangement-fee or exit-fee detail published
- Speed to terms
- Fast completions cited - e.g. a £240,500 commercial deal within ~6 weeks to hit seller deadline; markets on speed but no fixed published timetable published
- Sponsored or sponsorless
- Lends to developers, investors, corporate structures and international clients on a property-security basis; both sponsor-backed and corporate borrowers in scope. Not EBITDA/cashflow lending
- Where they lend
- UK-wide, London/South-East concentrated; evidenced deals also in Bedfordshire and Merseyside. No evidenced Scotland/Northern Ireland activity - England & Wales the safe assumption
- How they decide
- In-house underwriting; broker-led origination via BD team; NACFB/BDLA member
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
London Credit lends through 4 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether London Credit lends, but which of these would own it.
Residential bridging
- Facility
- up to £4m
- Security
- 1st/2nd legal charge on residential property; up to 75% loan to value (0.72%/m tier to 65% loan to value, 0.90%/m tier to 75%); term 3-24m
- Funds
- Growth · Refinance
- Rules out
- Business-purpose/unregulated only; England & Wales assumed (no evidenced Scotland/Northern Ireland appetite)
Commercial / semi-commercial bridging
- Facility
- up to £4m
- Security
- 1st/2nd legal charge on commercial/semi-commercial (retail, mixed-use); up to 70% loan to value; term 3-24m; supports acquisitions, refinancing and investment
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Business-purpose/unregulated only
Development loan (ground-up)
- Facility
- up to £3.5m
- Security
- Ground-up development; up to 70% loan to gross development value or 90% LTC; term 6-24m; from 0.90%/m
- Funds
- Growth · Refinance
- Rules out
- Business-purpose/unregulated only
Development exit / auction / refurbishment
- Facility
- up to £3.5m
- Security
- Development exit up to £3.5m or 70% loan to value (3-18m); auction up to £3.5m or 75% loan to value (3-18m); refurbishment up to £2.0m or 70% loan to gross development value (3-24m)
- Funds
- Growth · Refinance
- Rules out
- Business-purpose/unregulated only; Refurbishment capped at £2m
How they sit against the category
- Its published ceiling is £4m; 72 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
- It lends through 4 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does London Credit write?
Published facilities run up to £4m. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does London Credit move?
Fast completions cited - e.g. a £240,500 commercial deal within ~6 weeks to hit seller deadline; markets on speed but no fixed published timetable published. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Where does London Credit lend?
UK-wide, London/South-East concentrated; evidenced deals also in Bedfordshire and Merseyside. No evidenced Scotland/Northern Ireland activity - England & Wales the safe assumption.
On the record
October 2025: £240,500 commercial bridging, Bedfordshire retail (two income-producing shops), ~6-week completion.
2025: £325,000 commercial bridging, Birkenhead, returning client.
Sources: londoncredit.com
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.