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Auction Finance

Auction Finance

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

First legal charge

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

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 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 or a property. Examples of instances 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 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 loan).

 Product Features

Loans from £100,000- £10,000,000

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

Re-bridge an Existing Bridging Loan

While MTF receives a large volume of straightforward bridging finance applications every day, we take particular pride in our ability to assist brokers and applicants on trickier cases.

Borrowers can find themselves unable to exit bridge loans with longer term financing from traditional lenders for a whole host of reasons from contractors being delayed due to complications with building works or attaining planning permission, to wider market conditions affecting the availability of mortgages. Sometimes, it can just be down to the fact that the duration of the original bridge loan was too short.

MTF is able to re-bridge existing bridging loans and take a view on a number of complex cases.


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