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.
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?
Aspen Bridging offers loans from £100,000 up to £25 million for bridging and development finance.
How fast can Aspen Bridging complete a loan?
Aspen Bridging can complete bridging loans from 5 working days, thanks to their in-house funding and bespoke decision-making process.
Does Aspen Bridging offer refurbishment finance?
Yes, Aspen Bridging provides both heavy and light refurbishment finance alongside standard bridging loans.
Can limited companies apply for Aspen Bridging loans?
Yes, Aspen Bridging accepts applications from SPVs and limited companies, which is common for property investment structures.
How to Apply
Broker only. Aspen Bridging products are available through mortgage brokers. Find a broker with Aspen Bridging on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Atelier Finance | Commercial, Bridging, Development+1 | Specialist | 70% |
| BIG Property Finance | Commercial, Bridging, Development+1 | Specialist | 75% |
| Buzz Capital | Commercial, Bridging, Development+1 | 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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