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Auction Finance

Borrowers looking to buy a property at auction can use bridging finance. One of the main benefits of a bridging loan is the speed at which funds can be delivered. 

First legal charge

If this is the first loan you are taking out on your property, our consultants can advise you on the most suitable borrowing terms.  With competitive interest rates and no upfront fees, we offer a stress-free financing service. 

Second legal charge

If you already have a loan or mortgage secured against your property, we can help you to acquire further financing. Our second legal charge loans range from £100,000 to £5,000,000.




Our quick & easy process means you can borrow with confidence, knowing your loan will be delivered exactly WHEN and HOW you need it.

mtf has provided bridging finance since 2008. Throughout this time we have been delighted to assist numerous property professionals, business owners and individuals with their finance requirements. Our reputation in the market excels for delivering fit for purpose bridging loans at sensible rates, and our approach to lending is something we have been consistently recognised for within the financial services industry.

We have won multiple awards over the years, including ‘Best Service from a Bridging Finance Provider’ at the Business Moneyfacts Awards 2017, ‘Best Bridging Finance Provider’ at the Business Moneyfacts Awards 2016, ‘Best Bridging Lender’ at the Financial Reporter Awards 2015 and ‘Best Service from a Bridging Finance Provider’ at the Business Moneyfacts Awards 2014. We were named ‘Short-term Lender of the Year’ by the NACFB in 2014.

At mtf we are committed to helping the borrower make or save money. As a non-status lender, we don’t require evidence of credit history, accounts, or proof of income. Instead, we look at the property and listen to the rationale behind a loan when making a decision. There are no lengthy application forms to fill in and our hands on approach means we are able to process a bridging finance request quickly, with minimum fuss. For transparent and efficient bridging finance, the only choice is mtf.


What is Bridging Finance?

Bridging finance is a type of loan designed to help a borrower achieve a short-term goal and then repay when they have obtained a larger source of finance or sale of a property. Examples of where bridging finance is commonly used include:


  • Facilitating the completion of the purchase of a property following an auction or where time is of the essence. In this context bridging finance is often referred to as auction finance.


  • Refinancing away from a mortgage in default allowing time for the property to be sold (releasing an LPA receiver) and allowing the owner to achieve an open market value for the property and not a forced sale value. This is often referred to as non-status bridging finance.


  • Releasing equity from an investment property to acquire another additional property.


  • To raise capital to take advantage of a business opportunity (often referred to as a 2nd charge Business Purposes Loan or 2nd charge bridging loan)

Product Features

  • Loans from £100,000- £5,000,000
  • Up to 70% LTV
  • Residential, commercial & Semi- commercial property
  • Lend on open market value
  • No up-front fees/ exit fees
  • Loan Term 3-24 months
  • No credit checks


Non Status Bridging Loans

Non-status bridging loans do not take the status of a borrower into account. mtf is a non-status lender. We will take a view on CCJs, defaults and arrears and we do not always require evidence of credit history, trading history, accounts or proof of income. Instead, we focus on the property in question and your future plans. This allows us to take a practical, common sense approach to lending.

Open Bridging Loan

In today’s market the majority of bridging finance loans fall within this category and arise where the borrower does not have a certain and absolute exit in place.

Bridging finance lenders will usually require the borrower to have an ‘exit strategy’ for repaying the loan and may assess the relative strength of this strategy when determining how much and whether or not to lend.

Closed Bridging Loan

This refers to when the borrower has a predefined exit to repay the loan, and they know this before the actual bridging loan is taken out by the borrower.

An example of a closed bridge would be where the borrower has an offer of finance from a mainstream lender prior to obtaining the bridging finance. In such instances the borrower may still need the bridging loan in order to settle a transaction quickly or otherwise capitalise on a particular opportunity.

Bridging Loans No Credit Scoring

There is no credit scoring during our application process. We base our decision on other factors like the value of the security and the potential of your project. With instant decisions in principle and a streamlined process with no application forms, mtf can cut through delays and deliver your funds exactly when and how you need them.