Lender Profile
Aspen Bridging Bridging Loans
Equity-funded bridging up to 80% LTV — flat rate or stepped.
Starting rate
0.74% /mo
Max term
Up to 24 months
Max LTV
75%
Loan range
£200,000–£15,000,000
About Aspen Bridging
Aspen Bridging is an equity-funded specialist lender — they lend their own balance sheet, not packaged or syndicated funds. That means faster, more decisive underwriting, and a willingness to look at deals other lenders shy away from.
Their headline product is a flat-rate bridge at 0.74% per month for residential cases up to 75% LTV. They also offer a stepped-rate product starting at 0.35% per month for the first six months — useful for short-hold deals where you'll exit quickly.
Aspen accept overseas and ex-pat borrowers (with a UK credit footprint), foreign nationals, and dual representation on legals — all of which can shave time off completion.
Product range: Residential, heavy refurbishment, semi-commercial, commercial, and developer-exit bridging — plus a 5-year Bridge-to-Let product.
Best for
- Heavy refurbishment up to 80% LTV
- Foreign national or ex-pat borrowers
- Short-hold deals where the stepped rate works in your favour
- Larger loans (£200k–£15m)
Key facts
- Min Loan
- £200,000
- Max Loan
- £15,000,000
- Max Term
- 10–24 months bridging (plus optional 1–3 year BTL)
- Max Ltv
- 75% residential / 80% heavy refurbishment / 65% commercial
- Fee
- 2% arrangement fee
- Regulated
- Unregulated bridging only (regulated by referral on case-by-case basis)
- Interest Structures
- Retained or rolled-up
- Completion
- Within 10 working days possible for clean cases
Pros
- +Up to 80% LTV on heavy refurbishment (rare in the market)
- +Equity-funded — direct access to underwriters, no committee delays
- +Foreign nationals and ex-pats accepted
- +Bridge-to-Let product gives pre-approved BTL exit at the start
Cons
- −£200k minimum loan — not suitable for smaller deals
- −Standard product is unregulated — owner-occupier cases need a different lender
- −Cases under £400k carry a 0.10% rate uplift
Aspen Bridging FAQs
What's the difference between Aspen's flat rate and stepped rate?
Flat rate (0.74% from 50% LTV) is a fixed monthly rate over the full term. Stepped rate starts lower (0.35% for the first 6 months) then steps up to 1.25% — better if you'll definitely exit quickly, worse if you don't.
Does Aspen accept foreign nationals?
Yes — foreign nationals and ex-pats are accepted, subject to a UK credit footprint. This makes Aspen a strong option for non-UK-resident property investors.
What's the Bridge-to-Let product?
Up to 24 months bridging followed by 1, 2 or 3 years on a buy-to-let mortgage — both pre-approved at the start in a single facility letter, with one valuation and one legal process. Useful when you know the BTL is your exit.
Apply for a Aspen bridge
We'll match your case against Aspen's criteria first — and the rest of our panel — to find the cheapest fit.