Aspen Bridging
Specialist LenderAspen Bridging is a Manchester-based specialist lender offering bridging finance and development loans with a focus on speed and flexibility. Their in-house funding model allows them to move quickly and make bespoke decisions, catering to property investors and developers needing fast, reliable finance.
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About Aspen Bridging
Aspen Bridging is a Manchester-based specialist lender offering bridging finance and development loans. The lender's in-house funding model allows it to move quickly and make bespoke decisions. Aspen caters to property investors and developers who need fast, reliable finance with a focus on speed and flexibility.
Aspen has built a reputation for rapid turnaround times and flexible criteria. The lender's team understands the time-sensitive nature of property transactions and works to deliver decisions and completions efficiently. Aspen serves intermediaries across the UK.
Aspen Bridging is broker-only and works with property finance intermediaries. The lender is regulated by the FCA and has its headquarters in Manchester. Aspen has grown steadily in the bridging and development finance market.
Lending Focus
Aspen Bridging offers mortgage products across 3 categories including Bridging, Development, Limited Company.
Key Features
- Bridging loans from £100k to £25m
- In-house funding for faster credit decisions
- Heavy and light refurbishment finance available
- Completions from 5 working days
- Flexible terms for experienced property professionals
Pros & Cons
Pros
- In-house funding model enables fast and bespoke credit decisions
- Completions from 5 working days
- High maximum LTV of 80% for bridging
- Loans up to £25m for large-scale transactions
Cons
- –Broker-only — no direct borrower access
- –Based in Manchester — may have less London/South-East market presence
- –Primarily targets experienced property professionals
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — instructed at application
- Early Repayment Charge
- No ERC — flexible early repayment terms
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Aspen Bridging
| 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
- 5–15 working days from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
What is the minimum loan amount from Aspen Bridging?
How fast can Aspen Bridging complete a loan?
Does Aspen Bridging offer refurbishment finance?
Can limited companies apply for Aspen Bridging loans?
How to Apply
Broker only. Aspen Bridging products are available through mortgage brokers. Find a broker with Aspen Bridging 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.