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.


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.

MTF Wins Another Business Moneyfacts Award



Last night, MTF were awarded Highly Commended in the Best Service from a Bridging Finance Provider category at the prestigious Business Moneyfacts Awards 2015.

The Business Moneyfacts Awards recognise the best products and services offered during the last year and showcase those whose support remains paramount for the financial recovery of the country.

Needless to say we were delighted to win this award.  Providing a good service is at the heart of our business model. MTF are committed to building strong relationships with our introducing brokers and delivering the very highest standards of service.

MTF would also like to extend its thanks to Business Moneyfacts for hosting an exceptional celebration- we had a great night!

Does your client face property repossession?

MTF is able to offer bridging finance loans on complex deals, moving quickly and thinking outside of the box to provide financial solutions to borrowers in need.

While MTF receives a large of volume of straightforward bridging finance applications every day and funds a big portion of these deals, it also takes great pride in the ability to assist brokers and borrowers on more complicated transactions.

MTF was recently approached by a broker to help his client who was looking to raise £839,000. The loan was needed to redeem an existing charge with a bridging lender and to complete renovations to an investment property in Battersea, which had an open market value of £1.3 million.

The investment property had recently been refurbished and a rear extension had been added. Unfortunately the rear extension breached the planning permission nominally and the local authority insisted it was rectified immediately. In light of the planning breach, the borrower was unable to get a mortgage on the property leaving him unable to pay off the existing bridging lender.

As a consequence, the bridging lender appointed a Law of Property Act (LPA). The client was faced with an extremely strict deadline which, if missed, would result in his property being sold at auction.

MTF looked at the breach, considered the cost and was able to provide an £839,000 loan at 65% LTV at open market value, in order to discharge the LPA receiver and save the property from being sold at auction.

In just a matter of days, the client was able to redeem the existing bridging loan and regain control of his asset. With the funds provided by MTF he also had the time and space needed to rectify the work on his investment property and find a mortgage at the right level.

The bridging finance market is competitive but MTF stands out, distinguishing itself as a lender by offering a high quality of service and a truly flexible approach.




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!