Key Product Information

Overall Offering
Rates

Stepped Rate (all LTVs):

Initial Rate

0.49%

Initial Term

6 m

Total Term

12 m

Secondary rate

1.25%

Exit fee

1 month's interest

Flat Rates (from):

80% LTV

0.83%

75% LTV

0.78%

65% LTV

0.78%

Loans types

Bridging, Development & New Bridge-to-Let

Area covered

England and Wales

Security types

1st charge

Loan Sizes

£200k - £15m net

Loan term

10-24 months

Borrower type

Individual & Corporate

Borrower residency

UK and Foreign

Interest basis

Retained

Our turn around

Sub 10 working days

Introducer commission

1-2% (dependent on volume)

Our Range of Products

Residential & Dev Exit

Our residential product supports purchases and capital raising on investment properties at up to 75% LTV and our development exit enables refinancing developments during sales periods at up to 80% LTV

No Valuation

This unique product enables genuinely urgent transactions at up to 80% LTV and is guaranteed in under 10 (and can be as fast as 2) working days.

Refurbishments

This product covers light & medium refurbishments at up to 80% LTV with 100% costs in arrears.

Ground Up Development

This specialist product supports experienced developers looking to carry out their next ground up project with funding of all works & professional fees.

HMOs

Our specialist HMO product supports purchases, refinancing and capital raising on licensed HMO’s at up to 75% LTV.

Commercial & Semi-Commercial

Our commercial offering covers prime commercial and semi-commercial properties within the new class E and B8 categories at up to 70% LTV.

Latest News

08.01.2026

ASPEN LAUNCHES FIVE-YEAR BRIDGE TO LET
Aspen has increased the market scope of its award-winning Bridge To Let product ...

06.01.2026

ASPEN KICKSTARTS 2026 WITH 60BPS RATE REDUCTIONS ACROSS ALL PRODUCTS
On its new 2026 Rate Card, Heavy Refurbishment is available at 0.74% ...
Jack Coombs, Chief Operating Officer, S&U PLC.

14.10.2025

JACK COOMBS PROMOTED TO CHIEF OPERATING OFFICER AT S&U PLC
Jack Coombs has been 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