MT Finance

Specialist finance, simplified.

BridgingBuy-to-LetCommercial MortgagesFCA regulated

Max LTV

70% (bridging)

Interest from

0.89% pcm

Loan size

£50,000–£5m (bridging)

Term

3–24 months (bridging)

Charges

1st and 2nd

Areas

England and Wales

Who they are

MT Finance is a multi-award winning and market-leading specialist finance lender focused on commercial, buy-to-let mortgages, and bridging loans. Since 2008 the company has excelled at delivering fit-for-purpose specialist loans at speed, and its approach to lending is something it has been consistently recognised for within the specialist finance industry.

Their ethos

MT Finance’s commitment to ESG includes supporting UK charities, annual governance auditing, a rigorous recycling regime, providing valuable work experience opportunities for students and a cashback scheme that awards £250 credit to borrowers who achieve an energy performance (EPC) rating of A or B at any time during the term of their loan. We are also proud to be a signatory of the HM Treasury Women in Finance Charter. To find out about the many ways we are making a difference please visit our website.

What they specialise in

We specialise in providing seamless specialist finance solutions for the bridging, buy-to-let and commercial markets.

Meet the team

Joe Grace

Senior Business Development Manager

joe@mt-finance.com

James Briggs

National Account Manager

jamesb@mt-finance.com

Nigel Robbins

National Account Manager

nigel@mt-finance.com

Richard Sherman

Senior Business Development Manager

richard@mt-finance.com

Contact

Level 20, Broadgate Tower, 20 Primrose Street, London, EC2A 2EW

www.mt-finance.com

enquiries@mt-finance.com

Lending criteria

Funding model: Institutional funding lines
FCA regulated: Yes
Fixed/variable interest: Fixed
Treatment of interest & default interest: Bridging: retained, serviced; mortgages: interest only and capital repayment
Sectors: Residential, semi-commercial, commercial (bridging only), office, retail, BTL, HMO, PBSA, industrial, leisure and MUFB
Max LTGDV: N/A
Max LTC: N/A
Min property value: £50,000 on BTL and £100,000 on bridging
Valuation retypes: Yes
Rental calculations & exposure: All 5-year mortgages stressed at payrate at 125%. Refer for 2-year mortgage stress. N/A for bridging
Types of valuation accepted: AVMs (bridging only), retypes, short form, Red Book
New builds: Yes
Heavy refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: No
Planning permission needed: Bridging: case-by-case; mortgages: yes
Commission rate: Bridging up to 2%; BTL case-by-case; semi-commercial and commercial 1.5%
Associations/charters: Not stated
Types of landlords accepted: Personal borrowers; FTB/FTL; limited companies; expats; portfolio
Upfront fees: Yes – BTL and commercial
Broker portal: Mortgages: yes; bridging: no
Early redemption charges: Mortgages: yes; bridging: no
Investment: Yes
Owner occupied: Bridging: yes; mortgages: no
Electronic signatures accepted: No
Lending on land: No