Key Product Information

Key Criteria
Rates

Flat Rate

0.79%

Exit fee

1 month's interest

Max LTV (day one)

70% LTV

Max LTGDV

65% LTGDV

Further advances

100% cost of works in arrears inc professional fees & warranties

Uses

Majority residential sites

Areas

England & Wales

Security

1st charge

Loan Size

£1m - £10m net

Max LTC

90%

Monitoring

QS required only until shell

Term

10-24 (additional BTL term available)

Borrower type

Individual & Corporate

Interest basis

Retained

Key Product Information

BTL Rates
BTL TERM Pay Rate* Rate

1-Year BTL

6.89%

7.89%

2-Year BTL

6.89%

7.89%

*Difference is deferred, BTL rates are non-variable but BBR movement may be passed on
BTL Fees
BTL TERM Transfer Fee Payment

1-Year BTL

1.00%

Deferred to redemption

2-Year BTL

1.25%

Paid on transfer

0.25% proc fee is paid upon transfer to BTL
BTL TERM ERC Final Month Applied

1-Year BTL (Sale exit)

1.00%

0.00%

BTL

1-2 Year BTL (Refi exit)

2.00%

0.00%

Bridge & BTL

3-Year BTL

2.50%

0.00%

Bridge & BTL

How it Works

Step 1

Register as an introducer

Register Here
Step 2

Send an enquiry to enquiries@aspenbridging.co.uk or call an underwriter directly or use the portal to generate an instant quote yourself.

Quotes will include integrated legal fees to maximise speed & transparency.

Step 3

Submit the preferred option on our online portal with basic info on customers, the security and the solicitors.

You will be notified which underwriter your case is assigned to and within 3 hours you will receive a DIP post credit and land reg searches which will include case-tailored forms.

Step 4

Return the 1-page Authorisation Form and we will instruct the lawyers and valuers within 1 hour of receipt. Clients will need to put solicitors in funds for undertakings and pay valuers directly.

Step 5

We will share reqs list information with you every step of the way and work to help you and your client through to completion.

Step 6

Aspen releases funds for completion and pays introducers within hours.

Step 7

Aspen will provide draw-downs in arrears of works in support of the project up to 100% of the cost of works.

This will either be done via a building surveyor or Aspen team member re-visit depending on level of works (or without a revisit based on build control or warranty sign-off) with turn arounds as fast as 48 hours.

We pride ourselves only supporting cases which we will see through to the end and are yet to leave a property unfinished.

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Latest News

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ASPEN LAUNCHES FIVE-YEAR BRIDGE TO LET
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On its new 2026 Rate Card, Heavy Refurbishment is available at 0.74% ...
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JACK COOMBS PROMOTED TO CHIEF OPERATING OFFICER AT S&U PLC
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We do not offer regulated loans, mortgages or credit agreements, and are not regulated by the FCA.
Aspen Bridging is a trading style of Aspen Bridging Limited, registered in England and Wales under number 10270026