Aria Finance
Specialist LenderAria Finance is a specialist bridging lender offering short-term property loans with a focus on speed, simplicity, and broker service. They provide regulated and unregulated bridging products and aim to deliver clear, competitive terms with minimal complexity for time-sensitive transactions.
About Aria Finance
Aria Finance is a specialist bridging lender offering short-term property loans with a focus on speed, simplicity, and broker service. The lender provides regulated and unregulated bridging products and aims to deliver clear, competitive terms with minimal complexity. Aria focuses on time-sensitive transactions where speed and certainty matter.
Aria has built a reputation for straightforward processes and responsive broker support. The lender offers both regulated and unregulated bridging, covering owner-occupied and investment properties. Aria aims to make the bridging process as simple as possible for brokers and borrowers.
Aria Finance is broker-only and works with property finance intermediaries across the UK. The lender is regulated by the FCA and has grown in the bridging market.
Lending Focus
Aria Finance offers mortgage products across 1 categories including Bridging.
Key Features
- Regulated and unregulated bridging loans
- Clear pricing with competitive interest rates
- Fast indicative terms and rapid processing
- Dedicated broker support throughout the case lifecycle
- Flexible security types accepted including residential and commercial
Pros & Cons
Pros
- Clear, competitive pricing with straightforward terms
- Fast indicative terms and rapid processing
- Both regulated and unregulated bridging options
- Dedicated broker support throughout the entire case lifecycle
Cons
- –Broker-only — no direct access for borrowers
- –Newer lender — established 2019 with less track record
- –Bridging only — no development finance or BTL products
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — arranged through approved panel
- Early Repayment Charge
- No ERC on standard bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Aria Finance
| 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
- 1–3 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Does Aria Finance offer regulated bridging loans?
Yes, Aria Finance provides both regulated and unregulated bridging loans, covering owner-occupied and investment property scenarios.
What types of security does Aria Finance accept?
Aria Finance accepts flexible security types including residential and commercial property across England and Wales.
How quickly can Aria Finance provide indicative terms?
Aria Finance aims to provide fast indicative terms, often within the same day for straightforward enquiries.
Is Aria Finance suitable for first-time property investors?
Aria Finance focuses on simplicity and clear terms, making their products accessible, but as a broker-only lender you will need to work with an intermediary.
How to Apply
Broker only. Aria Finance products are available through mortgage brokers. Find a broker with Aria Finance on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Alternative Bridging Corporation | Commercial, Bridging, Adverse Credit+2 | Specialist | 70% |
| Apex Bridging | Commercial, Bridging, Limited Company | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
MFS Collapse Triggers Caution in Bridging Finance
The collapse of MFS has raised concerns in the bridging finance sector, prompting lenders to reassess funding strategies.
Somo Provides Second Charge Bridge to Assist Landlords
Somo has provided a second charge bridge to assist landlords with arrears, allowing them to use property equity without redeeming first charges.
Nivo Launches AI Case Management for Bridging Finance
Nivo has launched Lender Collect, an AI case management service for bridging finance, streamlining the application process for lenders and brokers.
Bridging Finance: 85% of Offers Now Fixed Rate
Octane Capital reports that 85% of its bridging finance offers are now fixed-rate, indicating a strong demand for stability among borrowers.
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