The function of The Association of Short Term Lenders is to protect and promote the interests of its members and to give confidence to all parties who transact business with them. Our members abide by a strict code of conduct; they are typically bridging and secured loan companies who provide loans and mortgages for short terms usually of between six months and one year.

The ASTL’s offices are open 5 days a week. Personal visits are strictly by appointment.


Condition of membership of The ASTL is that members abide by a strict code of conduct and the following value charter, under which members should:

  • act in a professional manner, with honesty and integrity in their dealings with customers
  • disclose all costs and fees up front, with no small print or misrepresentation of product offerings
  • not charge non-refundable fees which could be perceived as being excessive
  • not issue terms nor charge fees where they do not expect to lend
  • follow up customer complaints in a professional and speedy manner
  • abide by the rules imposed by relevant regulatory authorities, trade bodies and the astl