Here you’ll find news about mtf, as well as our thoughts on all things property related. As an award-winning provider of bridging loans, we always look forward to sharing interesting industry news with you.

Apply for a bridging loan today, or visit our testimonials page to find out what our clients have to say about us.


Refused finance due to affordability issues?

Bridging finance can present a real solution to those who are asset rich but lack liquidity, providing a quick injection of funding to finance acquisitions and expansions.

For example, we recently helped a client who required £1,000,000 to expand his business abroad. Funds were required very quickly so that the client could take advantage of a great business opportunity.

The client was a main shareholder in a listed company and owned a property worth £2.25 million with an existing first charge of £460,000. However, the client’s mortgage lender refused him finance due to ‘MMR affordability issues’.

london-buildingAs non-status lenders, we were not concerned with the client’s income, only the quality of the property that would be used as security for the advance. MTF was able to secure a second charge bridging loan, on an 18 month term at 66% LTV, on open market value.

The client was able to expand his business abroad, using the funds to pay for the initial operating costs and the 18 month term gave the client plenty of time to arrange and secure a business loan with a bank, in turn settling the bridging loan.

At MTF one of our defining characteristics is that we are non-status lenders. We don’t require evidence of trading history, accounts or proof of income. Instead we focus on the property and the client’s future plans. This allows us to take a practical, common sense approach to lending, to assist those looking to unlock the capital from their assets.

Our non-status approach is equally helpful when dealing with larger, high net worth applicants who occasionally have difficulty in obtaining a loan as a consequence of tax efficient structures employed by them. Such applicants often struggle to demonstrate their UK taxable income to a lender.

Individuals or off-shore investment vehicles, whose income streams can be erratic or is derived from multiple sources, fall into an unconventional space and fail to tick the boxes required by some lenders. We regularly assist clients in refinancing or releasing equity from properties where the holding companies are based in the British Virgin Islands, Gibraltar and Guernsey

If you would like to discuss a potential case, call us on 0203 051 2331 or fill in our online enquiry form for an immediate decision in principle.


Election uncertainty boosts bridging activity

UK bridging lending activity increased in the second quarter as uncertainty over the general election led to delays in lending decisions from the residential mortgage market.

According to the Bridging Trends data, Q2 saw a significant uplift in bridging loan applications for mortgage delays – increasing from 8% in Q1 to 33% in Q2 and reflecting the uncertainty from the mortgage market in the run-up to the election.

Bridging Trends contributors also reported an increase in lending volumes in the second quarter, which climbed to just under £100 million, from £80.47m in the previous quarter, demonstrating the strong demand for bridging finance.

The rise in applications for mortgage delays appears to have influenced the regulated side of the bridging sector, with the number of regulated loans increasing by 15%. This activity translated into lower monthly interest rates and LTVs, but longer turnaround times.

Refurbishment was the second best preforming area of the industry, while bridging loans for businesses fell to 16%, from 24% in the first quarter.

Key data points from Bridging Trends in the second quarter of 2015 are as follows:

– Total contributor lending reached £99.11m, an increase of 23%

– Average term remains at 11 months

– Average monthly interest rate drops to 0.91%

– Average LTV was 45.9%

– Mortgage delays were most popular use for bridging loans

– 47% of bridging loans were regulated. An increase from 32% on the previous quarter

To see the Bridging Trends for Q2 2015, please see the image below or visit



77% of brokers say bridging finance is a useful financial tool

The most recent MTF broker sentiment survey has revealed 77% of brokers perceive bridging finance as a useful financial tool.

Of the 23% who saw bridging finance as a last resort, 22% said they were either ‘not familiar’ or ‘somewhat familiar’ with bridging finance and the range of options available.


It’s positive to see the majority of brokers no longer see bridging finance as ‘the lending of last resort’, said Joshua Elash, director of MTF.

“Bridging finance has a place in most broker portfolios as a viable financial tool. Bridging finance can present a real solution, especially when finance is required in a short period of time, until traditional forms of lending are in place.  There still remains, however, a percentage of brokers who are not familiar with, misunderstand or harbour negative misconceptions about bridging finance.

“The bridging finance sector is in many ways unrecognisable to the sector which existed before 2007. The industry has never been in better shape with a solid spread of reputable lenders each offering distinct service and product propositions.

“An equally positive development in the bridging finance market has been the emergence of a number of highly professional dedicated packagers operating in this space. For any broker not familiar with bridging but confronted with a bridging finance case, the benefits of using such a packager are significant. They know the market, have outstanding relationships with the main lenders, and the transparency and professionalism on offer is higher than at any point in the industry’s history.

“In an ever increasing professional and price competitive market, gone should be the days of poor service and expensive loans. A broker has never been more spoilt for choice.”

Key points of the MTF Broker Sentiment Survey:

–        78% of the 190 respondents expected an increase in their bridging business volumes over the next year

–        Interest rates and quality of service most important to brokers when choosing a bridging lender

–        Majority of brokers think lenders could improve by being more flexible around the fringes of their criteria

–        39% of brokers believe the conservative Government introducing a different economic agenda would be the biggest threat to the UK’s economic recovery.

MTF Broker Sentiment Survey Q2 2015 Results


The winner of the £100 Amazon vouchers was Phil Moore from Touchstone Corporate Ltd. Thank you to all who took the time to complete the survey.


MTF Wins Service Excellence Award



MTF has won the award for ‘Service Excellence’ at the Bridging & Commercial Awards 2015. The award was presented yesterday during an all-day event held at The Hurlingham Club in Fulham.

MTF beat off some stiff competition in the category including Precise Mortgages and United Trust Bank.

At MTF providing a good service is one of the things we do best and winning the Service Excellence award reflects the value we place on building relationships with our clients and introducing brokers by delivering the very highest standards of service.

But don’t just take our word for it. See what our customers and introducing brokers think.

We’d like to thank the organisers of the Bridging & Commercial Awards 2015 for hosting an exceptional day!


MTF provides SMEs with fast access to funds

There are a number of instances when bridging finance provides quick and critical access to business owners who are trying to raise funds.

MTF recently completed a bridging loan for a borrower who worked as a television producer and was looking to raise £247,000 to start a new television show.

The client attempted to borrow against a buy-to-let property he owned, valued at £2.75 million, which had an existing first charge mortgage of £1.3 million.

However, his existing mortgage lender was unable to provide additional funding against the property in the timeframe required.

Due to time sensitivity, the client’s broker contacted us straight away and in just nine days MTF was able to secure a second charge, 12-month loan on the property, at 56% LTV.

The client was able to invest in his new business venture and the 12 month term gave him plenty of time to repay the loan.

Whether funds are needed to acquire stock, facilitate a new venture or stimulate growth, give us a call on 0203 051 2331 or enquire online to see how MTF can help.

When there’s a need for speed

Speed is critically important in bridging finance. It is what makes bridging finance a fundamentally useful tool for those who need to raise funds within a short time frame.

As an example, MTF was recently approached by applicants who had exchanged contracts in 2013 to purchase an investment asset in Southwark, London, off-plan from a developer for £836,000.

As the development reached practical completion a Notice to Complete was served by the developer, with a strict time clause requiring completion by 8th May, failing which the deposit would be forfeited and the developer would be free to sell the newly completed property at a higher value on the open market.

Due to the time-sensitive nature of the loan, the applicants were unable to secure a BTL mortgage. Faced with roughly a week within to complete the purchase the applicants approached MTF. On receipt of the enquiry on 24th April we were able to give an immediate decision, and issued the offer of loan that day. Our team worked around the clock to organise the valuation and so as to ensure the legal formalities were addressed.


With 2 days to spare MTF provided a £480,000.00 bridging loan based on an open market value of £836,000, with no exit fee or early redemption penalty.  What’s more, we managed not only to save the borrowers from losing the apartment, but equally losing their £50,000 deposit. 

By taking out the bridging loan, the applicants were given the time and breathing space to obtain a buy-to-let mortgage at the right level.

There are a number of situations an applicant will be presented with a very narrow window of opportunity. For example, a borrower whose mortgage lender has let them down at the last minute, a landlord trying to secure a property at auction, those facing repossession or a business owner who has a tax bill to clear quickly.

Whatever the situation, we enjoy being given the opportunity to provide a solution. Why not give us a call on 0203 051 2331 or enquire online to see how MTF could help.

MTF Wins Best Bridging Lender 2015


MTF has been named Best Short-term/ Bridging Lender at the Financial Reporter Awards 2015.

This is the second time MTF has won this award. We previously won the award in 2013, and having been awarded Highly Commended in the Best Service from a Bridging Finance Provider category at the Business Moneyfacts Awards last month, it is a great affirmation of MTF’s performance in this highly competitive field.

The Financial Reporter annual awards is an awards programme based purely on the majority vote. MTF is delighted to receive this award as a result of votes cast from our peers in the industry and would like to thank those people who voted for us.

This award acknowledges the continued focus we place on speed and efficiency and the quality of our product range and reflects our continued emergence as a market leader in the bridging lending market.

New product launches to measure UK bridging trends

MTF has joined together with leading representatives from the bridging finance industry and launched a new measuring tool, graphically highlighting the latest trends shaping the UK’s bridging finance market.

Published quarterly, Bridging Trends covers our own figures and data gathered from packagers: Brightstar Financial, Enness Private Clients, Positive Lending and SPF Short Term Finance (SPF), with the aim to deliver the most realistic representation of the bridging loan market.

Key data points from Bridging Trends in the first quarter of 2015 are as follows:

  • Gross lending reached £80.5 million
  • Average term 11 months
  • Average monthly interest rate was 0.95%
  • Average LTV was 50%
  • Property refurbishment was most popular use for bridging loans
  • 69% of bridging loans were unregulated

To access Bridging Trends Q1 2015, please view the image below or visit to go to the infographic directly.


Refurbishment most popular use for bridging loans

Property refurbishment is the most popular use for bridging finance, according to the latest results from our broker sentiment survey.

57% of the 360 respondents listed refurbishment as the most popular use for bridging loans over the first quarter of this year.

As rising property prices push down rental returns, property investors are increasingly seeking out assets in need of work so they can buy them at a low price, make renovations and sell them on or rent them out at a decent profit. However, with mainstream lenders implementing tougher restrictions, it has been harder for investors to access funds and more are turning to bridging finance to finance these projects as a result.

Figures from our Broker Sentiment Survey also revealed that 39% of brokers blamed solicitors for delays to their client’s bridging loan cases.

Key points of the survey:

  • 57% listed refurbishment as the most popular use for bridging loans
  • 18% said, on average, bridging loan applications take 1-2 weeks to complete
  • 39% blamed solicitors for delays
  • Economic adjustments main reason for the increase in demand

MTF Broker Sentiment Survey Q1 2015 Results


The winner of the £50 Amazon vouchers was Tony from Platinum Options. Thank you to all who took the time to complete the survey.

Refurb and Prosper

Bringing an investment property back to life is a great opportunity. But arranging the finance to purchase a property and fund the renovation works can be challenging as many mainstream lenders are still adverse to refurbishment lending.

We were recently approached by a borrower who targets buy-to-let properties, buying them in a run-down state and getting planning permission to add additional rooms before doing them up and putting them on the rental market. refurbishments

His latest project focused on an investment property in London with a value of £330,000.

He wanted to buy, refurbish and then rent it but was unable to get a buy-to-let mortgage as it was uninhabitable.

We provided a £214,500 bridging loan within a week, at 65% LTV, over a 12 month period with no exit fee or early redemption penalty.

The bridging loan gave him the funds to buy the property and bought him the time needed to carry out the works in order to significantly increase the rental value of the property. The borrower will then refinance out of the bridge with a traditional buy-to-let mortgage from a bank, against the higher value.

Bridging finance is enabling investors the freedom to do what they need to do to properties more than ever before, providing a solution when high street banks are unable to lend the amounts required in the necessary time frame.

If you have an enquiry you wish to discuss, give us a call on 0203 693 0429 to see how MTF could help.