Whether you’re looking to generate more rental income or add value to your portfolio, MTF is here to get your refurbishment loan completed in a matter of days.

As a non-status lender, MTF will take a view on CCJs, defaults and arrears and we do not require evidence of credit history, accounts or proof of income- instead we focus on the property and your future plans.

Our streamlined process also means no application forms, allowing us to cut through delays and offer refurbishment finance exactly when and how you need it.



Key product features:

  • 1st charge rates from 0.89%
  • 2nd charge rates from 0.95%
  • Loans from £100,000- £5,000,000
  • Up to 70% LTV
  • Terms from 3-24 months
  • Buy-to-let, commercial, HMOs & mixed assets
  • Lend on open market value
  • Adverse credit, CCJs and arrears considered
  • No up-front fees/ exit fees
  • No credit scoring


At MTF, we evaluate rates and LTV on a case by case basis. Why not give us a call on 0203 051 2331 or fill in the online form to get indicative, no obligation terms on your enquiry?



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**Please note, if you are enquiring about a FIRST CHARGE LOAN, mtf is an unregulated lender so it is a strict condition that you (the borrower) and/or any family member shall not live, or intend to live in the property.


Bridging loans for refurbishment purposes are available to property investors, landlords and developers looking to upgrade their residential, commercial or mixed use investment asset, before renting it out or selling on at a higher value.

Light refurbishment loans

Non-structural changes to the layout, where no planning permission or building regulations are required. Common light refurbishments include a new bathroom, new kitchen, redecoration etc. before the property can be marketed for rental/re-sale.

Heavy refurbishment loans

This is where there are structural changes to the property, and planning permission or building regulations are required. Common heavy refurbishments include extending the property, full internal refurbishment or converting a property into flats.


With mainstream lenders implementing tougher restrictions, it has been harder for landlords to get a buy-to-let mortgage, faced with more hoops to jump through in a time-consuming process. This can hinder investors when requiring fast access to funds.

For those looking to buy properties in need of major refurbishment, the difficulty in accessing mortgages from high street banks has intensified, as banks are less likely to lend on uninhabitable properties.

Bridging finance has been able to fill the void, gifting investors the ability to buy properties and make the necessary renovations by providing funds with speed and agility.

This type of finance is enabling investors the freedom to enhance the value of their properties, providing a solution when high street banks are unable to lend the amounts required in the necessary time frame.

One of the most obvious advantages of a refurbishment loan is the speed at which it can be completed.

Bridging lenders can make decisions within hours of initial enquiry and funds can be released in some instances in less than a week, preventing investors from either missing out on opportunities or leaving properties sitting in portfolios without generating returns while they wait for financing from long term lenders.

For many investors and developers, the difference between success and failure is being able to finance a project, with our finance providing solutions and empowering borrowers to turn their aspirations into achievement.



Initial circumstances: MTF was recently approached by a developer focussed on an investment property worth £330,000 in London that had a good letting potential. He wanted to buy, refurbish and then rent it out but was unable to get a buy-to-let mortgage as the property was uninhabitable.

MTF solution: MTF provided a £214,500 bridging loan within a week, at 65% loan-to-value, over a 12 month period with no exit fee or early redemption penalty.

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


Initial circumstances: MTF was approached, as a borrower required a bridging loan on an investment property in Covent Garden, which had an open market value of £950,000. He wanted to redeem an existing charge with his mortgage lender and then refurbish the property to enhance its value.

MTF solution: MTF provided a £672,000 bridging loan, with no exit fee or early redemption penalties.

The benefits: The loan enabled the client to clear his BTL mortgage and use the remaining funds to remove a partitioning wall and false ceiling to open up the property. Once the refurbishment works are complete, the investment property is estimated to fetch a price in the region of £1.4m, so the client will be able to move on to his next project with a substantial profit.


Client’s circumstances: A client was looking to raise funds to purchase and refurbish a £1.2m semi-commercial asset in Finsbury Park, London. The client had struggled to get financing from a majority of lenders as he was waiting for planning permission so he could add an additional floor to the property.

MTF solution: While he was waiting on planning permission, MTF provided £780,000 1st charge loan over a 12 month term at 65% LTV.  Interest was retained at 0.99%,  with no exit fees or ERCs.

The benefits: By taking out a bridging loan with MTF, the client was able to purchase the investment property and make the necessary refurbishments whilst waiting for his planning permission. Once consent was obtained, he would then be able secure development finance and in turn pay off the loan.