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.



We have moved (yes, again) to new larger premises in the heart of London’s West End.

As of Monday 2nd February, MTF will be based at 10 Argyll Street, London, W1F 7TQ.

The move provides us with the additional space to accommodate a growing committed team of MTF professionals, most recently expanded with the acquisition of a financial analyst and further executive support personnel.

We remain very aware that our success is directly attributable to the strong relationships we enjoy with you, our partners, introducers, and friends in the industry and we remain fully committed to investing  in our team to ensure MTF continues to offer the best service proposition in the market.

Please make a note of our new address for all future correspondence… we look forward to seeing you soon.

10 Argyll Street, London, W1F 7TQ




A number of borrowers often seek a bridge loan in order to refinance an existing bridge loan.

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. 

A number of bridging lenders adopt a standardised approach and are reluctant to refinance existing bridge loans, often turning down an application before assessing each case on its individual merits.

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. MTF is able to re-bridge existing bridge loans.

The owner of an investment property in Henley-on-Thames was in the eleventh month of a 12 month bridge loan, but delays to refurbishments meant he was unable to complete works before the bridge loan matured.

MTF assessed the case and based on its merits provided the applicant with a £394,000 bridge loan to refinance his existing bridge, secured by way of a first charge. This provided the borrower with the time and space needed to finish the project and sell it at a substantial profit.

Whether it is a development which has stalled due to insufficient cash flow and requires additional funds to complete or an applicant who has been let down at the last minute by another lender and requires finance immediately, MTF enjoys being given the opportunity to perform and provide a solution.



As 2014 draws to an end we wanted to take the opportunity to thank you for your support throughout the year.

2014 was a milestone year for MTF, with month-on-month record lending, a successful rebrand and the celebration of two prestigious awards. 2015 looks set to be another exciting year for MTF, with new offices and new recruits starting in the New Year, among other great developments. We look forward to working with you in 2015 and help your clients fulfil their financing needs.

But that’s enough business talk for 2014-it’s time to unwind, start the celebrations and hopefully get some rest and relaxation!

Happy holidays from all at MTF, we hope you enjoy the festive season and wish you a very happy, healthy and prosperous New Year.



Lending against open market value

MTF was approached by a borrower who had 10 days to complete on a buy-to-let investment property which he had agreed to buy off plan from a developer earlier this year, at a discounted price to its current market value.

He had been served a Notice to Complete by the developer and risked forfeiting a £50,000 deposit and his right to buy the newly completed flat if he could not raise the required funds.

The borrower was struggling to get a mortgage from a bank within the tight time-frame and against the property’s current market value.

His broker contacted MTF and due to the urgent circumstances we immediately had a valuation report commissioned and commenced with legal formalities.

While waiting for receipt of the report, the applicant who was abroad at the time, showed his commitment to comply with MTF’s Know Your Client requirements and flew back to London before completion to carry out the necessary checks.

In this instance, we assessed the borrower’s case and provided a £200,000 bridging loan, based on an open market value of £310,000, with no exit fee or early redemption penalty.

In just four days the client was able to complete on the purchase of the investment property, he also profited £54,000, the difference between the purchase price and the current market value- something he would have missed out on if he had gone down the mortgage route.

MTF is able to offer bridging loans quickly and on open market value, not just purchase price – an ideal solution for investors.


MTF Scoops NACFB Award

Last night MTF won the award for Short Term Lender of the Year at the annual NACFB Gala Dinner.

Held at the Park Plaza at Westminster Bridge and in front of the industry’s finest, MTF beat off some stiff competition in the category including Shawbrook Bank and Dragonfly Property Finance. The award was presented to the team by NACFB Chairman Marcus Grimshaw and presenter and comedian, Alexander Armstrong.

The NACFB represents a commitment to quality and professionalism on the part of its members in the commercial finance industry and we are honoured to have been acknowledged by NACFB members with such a prestigious award. Having been awarded ‘Best Service from a Bridging Finance Provider’ at the Business Moneyfacts Awards in March this year, the NACFB award provides further evidence that our growth, and the quality of our product range and service has brought us to the industry’s attention.

MTF would also like to extend our thanks to the NACFB for hosting an exceptional celebration and to our guests for joining us on the night – we had a great time!


We’re expanding!


MTF are looking for an Executive Assistant to join our growing team based in central London.

This is a key role at the heart of our company where you will provide support to the Managing Directors in addition to managing the day to day operation of the office.


Do you have?

– Passion, drive and initiative?
– Strong Microsoft Office and data management skills?
– A strong work ethic and a common sense approach?
– The ability to work in a fast-paced environment as part of a dynamic team?
– Great attention to detail and excellent communication skills?
– The ability to adapt in a continuously evolving environment?

To apply to join our growing team please send your CV to Joshua Elash or call 020 3051 2331 for more information.


FP Show 2014- a huge success!

Thank you to everyone who came to see MTF at the Finance Professional Show on November 5 at Olympia. It was great to see so many familiar faces and meet new people and businesses to talk about our wide range of products and services on offer.

Our air hockey table proved extremely popular and we are absolutely delighted with the overall feedback we’ve been given so far – it was certainly one of our best ever expos!

We’d also like to say a huge thank you to the team at Medianett for organising an excellent event. The day was a great success and we will proudly be exhibiting again next year.

For more information on the FP Show and its upcoming events, please visit the website.




MTF takes part in Love Lending Week

love-lending-weekThe NACFB will be launching a national campaign called Love Lending Week, which will run from Monday-Friday next week. The aim of the campaign is to issue a strong message to the industry- that commercial finance brokers and lenders are successfully lending to small businesses and we want to lend more.

MTF are joining forces with finance experts across the UK to raise awareness about the wide range of alternative funding options on offer and to show small businesses the many different ways of accessing funds.

SMEs play a central role to the UK economy but many have struggled from a lack of liquidity following the financial crisis. With a change in market conditions it is essential for borrowers to be aware of the full range of options available to them.

There is an array of instances where short-term funding is the ideal solution for companies needing quick access to funds or to plug a gap that traditional lenders are unable to fill.

MTF has been providing loans since 2008 and throughout this time we have been delighted to have the opportunity to assist numerous businesses. Whether funds are needed to acquire stock, provide additional capital to stimulate growth or to facilitate a new venture, MTF are committed to providing liquidity to the SME sector.

For example, shareholders of a national brand of health food products needed  cash to inject into their growing business. With a large amount of retail distributors, the applicants faced a lag time between sales and booking a profit.

Despite being a large and growing business behind a major household brand, they were unable to obtain the additional funds they needed from banks. MTF were able to provide a £626,000 short-term loan in under a week, satisfying their liquidity needs.

Through increased innovation, alternative lending can also have positive impact on SMEs indirectly.  We recently provided a short-term loan to a client who invests in start-up companies in the technology sector and required £650,000.This was an attractive investment opportunity as the tech sector is one of the fastest-growing and most exciting industries in the UK. MTF provided the full £650,000 over an 18 month term. He was then able to use the funds to invest in SMEs.

At MTF we really do love lending. New businesses are born every day and it is critical they should be provided the opportunity to turn aspiration into achievement.

If you would like to show your support, please sign up to the NACFB’s Thunderclap. Or join the conversation on Twitter using the hashtag #LoveLending

Take the nightmare out of buying a property at auction for your client

Buy-to-let investors are certainly benefiting from strong house prices and record-high rents and according to experts, are flocking to auction rooms as a result.

Many auctioneers are reported to be experiencing increased demand for property purchases at auction as more buy-to-let landlords seek to pick up bargains.

Last month, national auction analyst EIG published a half-year auction market review which revealed the total raised by UK property auctions in H1 of 2014 hit £2 billion, a 21% increase on 2013 and the second highest ever H1 total recorded by EIG.

You may have a client wanting to take advantage of opportunities at auctions but time can often be tight when it comes to raising funds for a property purchased at auction and with banks now taking longer to process loan applications, it is virtually impossible to secure a mortgage in the time-frame required.

It’s no wonder we’ve seen an increase in investors and developers turning to bridging finance to assist with their auction purchases.

One of the benefits of a bridging loan is simply the speed of transaction. Where a mainstream bank may take several months to put together a loan for a borrower, a bridging finance company is often able to make lending decisions within hours of initial enquiry so funds could be released in less than a day.

For example, we recently completed a case for a client who needed £215,000 to complete an auction purchase, plus renovations. His mortgage lender couldn’t provide the finance for completion in time and so he faced losing his deposit.

We provided a £215,000 bridging loan, at 65% LTV over a 6 month term at 0.99% per month with no exit fee or early redemption penalty. We managed to provide the loan within 24 hours, saving the client’s deposit.

By taking out a bridging loan the client also had time to complete the renovations to maximise his returns as after 6 months he sold the property, enabling him to repay the bridging loan and enjoy a substantial profit.


Is your client caught up in interest rate swaps?


We were approached by an applicant looking for £3.2 million. The client had gotten caught up in interest rate swaps which ultimately resulted in defaults on his mortgage. The client’s mortgage lender sought repayment and appointed a Law of Property Act (LPA) receiver who took full control over the property and his tenant’s rental payments.

The client owned a mixed residential commercial property in south London, valued at £4.85 million. However, the property was an unfinished development. The client was part way through flat conversions of the upper parts and when finished the property would be worth £7 million –a potential of over £2 million profit for the client.

At MTF we are committed to the idea that a bridging finance loan is about creating the opportunity to make or save the borrower money and after reviewing the merits of the case, we were able to provide a £3.2 million bridging loan secured by way of first charge over 10 months.

In just 2 weeks, not only was the client able redeem the existing mortgage, regaining control of his asset, the loan meant the applicant had the money to complete the work on the flats, giving him the opportunity to make himself a significant profit.

If your client is prevented in the immediate term from capitalising on a particular opportunity, and that impediment is something which can be remedied with time, and if the cost of short term finance is justified, bridging finance is not only now a mainstream and acceptable solution, it is commercially the right one.