Overview

MT Finance launched in 2008 with a clear and simple philosophy: to provide loans quickly and effortlessly, and with utmost flexibility – core values we maintain to this day. 

We are committed to supporting the UK intermediary community by providing fit-for-purpose specialist funding solutions that meet your client’s needs and have built our reputation around an exceptional service proposition – something we are consistently recognised for within the financial services industry.
 

Bridging Loans

When your client needs a bridging loan, they want a fast and stress-free process. By adopting a common-sense approach and a streamlined service, we prevent your clients from missing out on any time-sensitive opportunities that come their way
 

Investment purchase

• Up to 70% LTV
• Loans from £50,000
• 1st & 2nd charge loans
• Terms from 1-24 months
• Residential, commercial & semi-commercial assets
• No exit fees or ERCs
• Undervalue transactions
• Pre-approved funds for auction purchases
   

Light refurb

• Up to 70% LTV
• Loans from £50,000
• 1st & 2nd charge loans
• Terms from 1-24 months
• Residential, commercial & semi-commercial assets
• No exit fees of ERCs
• Unmortgageable properties accepted
   

Heavy refurb

• Up to 65% LTV
• Loans from £50,000
• Terms from 1-24 months
• Residential & semi-commercial property
• No exit fees or ERCs
• 100% of build costs available
• Further draw-downs available
   

Second charges

• Up to 65% LTV
• Loans from £50,000
• Terms from 1-24 months
• Residential & semi-commercial property
• Business purposes on main residential properties
• No exit fees or ERCs

Regulated Bridging Loans

Our regulated bridging products are designed to be fit for purpose, with an emphasis on speed and efficiency. We have stripped back to the essentials, focusing on the necessary, empowering your client to quickly unlock equity from their home.
 

Residential Purchase

• Up to 70% LTV
• Loans from £50,000
• Terms from 1-12 months
• 1st & 2nd charge loans
• Residential & semi-commercial assets
• Gifted deposits considered
• No exit fees or ERCs
   

Refinance

• Up to 70% LTV
• Loans from £50,000
• Terms from 1-12 months
• 1st & 2nd charge loans
• Residential & semi-commercial assets
• Adverse credit considered
• No exit fees or ERCs
   

Refurbishment

• Up to 65% LTV
• Loans from £50,000
• Terms from 1-12 months
• 1st & 2nd charge loans
• Residential & semi-commercial assets
• Heavy & light refurb transactions
• 100% of works funded upfront
• No exit fees or ERCs
   

Second Charges

• Up to 65% LTV
• Loans from £50,000
• Terms from 1-12 months
• Residential & semi-commercial assets
• Heavy & light refurb transactions
• No exit fees or ERCs
   

Buy-to-let Mortgages 

Securing a buy-to-let mortgage for your client shouldn’t be a complex ordeal. If you are looking for a lender who believes a hands-on and clear-cut approach is best and delivers a solution with ease.
 

Standard Residential

• Up to 80% LTV
• ICR from 125%
• Minimum loan £25,001 (refer to criteria for ex-local)
• England & Wales only
• Individuals and limited companies
• Adverse credit considered
• Holiday lets considered (loan based on AST)
• 28sqm minimum size
   

HMO

• Up to 75% LTV
• ICR from 125%
• Minimum value £100,000 (outside of London)
• England & Wales only
• Individuals and limited companies
• Adverse credit considered
• 10 beds maximum 
• 12 months experience as a landlord
   

MUFB

• Up to 75% LTV
• ICR from 125%
• Minimum loan £100,000 (outside of London)
• England & Wales only
• Individuals and limited companies
• Adverse credit considered
• 12 months of experience
• More than 4 units in a block loan capped at £700k
   

Semi-commercial 

• Up to 75% LTV
• ICR from 125%
• Minimum loan £100,000 (outside of London)
• England & Wales only
• >40% commercial element
• Individuals and limited companies
• Adverse credit considered
• Loan based on residential rents & value
• 12 months of experience
• More than 4 units in a block loan capped at £700k