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The HMO Mortgage Broker

Aspen Bridging

Aspen Bridging is a specialist provider of short-term property finance. They offer tailored bridging loans for a variety of purposes including property acquisition, refurbishment, and development exits, with specific products for HMOs.

  • Specialist bridging finance
  • Loans up to £15 million
  • Fast completions

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

  • No:HMO Mortgages
  • No:HMO Remortgages
  • Yes:HMO Bridging
  • No:HMO Development

Aspen Bridging HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • Yes:LLPs
  • Yes:Offshore companies

Experience and credit

  • No:First-time landlordsExperience in property investment is required.
  • No:No property experience needed
  • No:Adverse credit consideredGenerally requires a clean credit history. Not suitable for heavy adverse.
  • Yes:Borrowers aged 21 to 85

How to apply

  • Yes:Through a broker
  • Yes:Direct to the lender

Frequently Asked Questions

Common questions about Aspen Bridging and their HMO mortgage services.

What are Aspen Bridging's HMO mortgage rates?

Aspen Bridging publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Aspen Bridging's borrower criteria?

Aspen Bridging requires experience from experienced landlords. Good credit history is typically required. Minimum age: 21 years, maximum age: 85 years.

Does Aspen Bridging accept intermediary applications?

Aspen Bridging accepts intermediary applications. Direct applications are also accepted.

What HMO services does Aspen Bridging offer?

Aspen Bridging offers Hmo Bridging Finance, Portfolio, Limited Company. Contact us to discuss your specific requirements and find the best solution for your property investment needs.