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Aspen Bridging Reviews [Read Our Expert Opinion]

Jane Wardle

Written by Jane Wardle on July 17, 2018

Updated July 17, 2018


Overall Rated: 4.5 / 5


Aspen Bridging provides bridging finance across the board for both business and individual borrowers. The specialist principal and independent lender offer short-term unregulated funding against all manner of properties such as commercial and industrial units and residential property.  Aspen Bridging is an S&U PLC fully-owned subsidiary. S&U PLC was founded in 1938 and remains highly successful on the FTSE to date.

One of the unique things about Aspen Bridging is their keenness to have their underwriters meet each potential customer, whether corporate or individual, to see any type of property on the table to comprehend the needs of the customers fully. The same underwriter handles a specific case from the beginning up to completion. The lender has high service standards drawn from over 80 years of experience ensuring the specific bridging finance needed is provided without a problem.

Aspen Bridging offers unregulated bridging loans and is not regulated by the Financial Conduct Authority (FCA).  They cover Wales and England with security first on the first charge and the second charges are only with a first charge by the lender.  Loans begin from £100,000 or £50,000 for another property and a maximum £1 million loan.

The lender serves UK corporations from partnerships and limited companies, LLPs and sole traders. They also lend to individuals. However, Aspen Bridging requires that borrowers be UK businesses and UK residents.  Aspen Bridging usually funds commercial clients within 12 working days and 8 for residential borrowers.

Aspen Bridging provides finances for diverse property uses such as investment property purchase and refinancing and lease extension, including refurbishments and commercial property. Their loans are used for diverse purposes such as helping to complete auction property purchase, helping with the refurbishing and purchase of property, purchasing an investment property, adding to a buy-to-let property portfolio. They also lend for reasons such as selling and buying properties for profit, funding urgent liabilities such as tax bills, funding investment and business purposes and purchasing lease extensions.

Trust & Reputation

Rated 4.5/5

Aspen Bridging is unregulated by Financial Conduct Authority (FCA) and clearly indicates they offer unregulated loans as an independent principal lender. The bridging finance provider is a trusted member of ASTL (Association of Short Term Lenders), FIBA (The Financial Intermediary and Broker Association) and a broker panel led by Finance 4 Business and Crystal Specialist Finance. Aspen Bridging is registered for operations in Wales and England.

Expertise & knowledge

Rated 4.5/5

One of the strengths of Aspen Bridging is the fact that the lender has an illustrious history going back to 1938 informing its knowledge of the UK property and bridging funding industry in England and Wales. The lender has underwriters dealing with borrowers on an individual, case by case basis, adding to the customer service. Aspen Bridging also has a team of expert specialist lawyers and valuers and offers full quote through their DIP tool in a few minutes.

Customer Service

Rated 4.5/5

Aspen Bridging takes its customers seriously and always keen to talk to every potential individual or corporation in need of funding for property and other urgent purposes. They are reachable online through a web page, telephone or email. Furthermore, each customer will receive a dedicated underwriter who knows the case and will personally visit the property.