Bridging loans

At MT Finance, we believe a bridging loan should either make or save you money.

The biggest selling points of a bridging loan compared to mainstream lending are speed and flexibility. MT Finance is often able to make lending decisions within hours of initial enquiry and release funds in a matter of days, preventing property investors and business owners from missing out on time-sensitive opportunities that come their way.

MT Finance offers first charge and second charge bridging loans for investment or business purposes. We also take a view on all credit histories, including borrowers with CCJs and a history of arrears. We do not require personal guarantees, a minimum credit score, accounts or proof of income – instead, we focus on the property and your future plans.

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Product Features:

  • Rates from 0.69%
  • 1st & 2nd charge loans
  • Loans from £50,000- £10,000,000
  • Up to 70% LTV
  • Terms from 1-24 months
  • Residential, commercial & semi-commercial property
  • Adverse credit, CCJs and arrears considered
  • No up-front fees, no exit fees, no ERCs
  • No personal guarantees required
  • No credit scoring

We are a leading property finance lender

providing fast, flexible and transparent solutions including:

Bridging Loans

We believe a bridging loan should either make or save a borrower money. Our streamlined process allows us to cut through delays and deliver funds exactly when, and how, they are needed.

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Refurbishment Loans

Our short-term refurbishment loan products are available to property investors, landlords and developers who are looking to upgrade their investment assets with speed and minimum fuss.

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Auction Finance

The main benefit of auction finance is the speed at which funds can be delivered. MT Finance is able to deliver funds in a matter of days and we can approve an application prior to auction.

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Property Conversion

Our heavy refurbishment product is designed to help property investors and developers fund a renovation with speed. We can also provide funding in stages to keep the costs down.

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Second Charges

A second charge bridging loan could be the ideal solution for those who already have a mortgage secured against their property but require further funds for a short period of time.

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Property Purchase

A short-term loan from MT Finance is an effective means of raising funds quickly, enabling landlords and property investors to take advantage of investment opportunities in the buy-to-let market.

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Business Funding

Whether funds are needed to acquire stock, provide additional capital to stimulate growth, or to facilitate a new venture, MT Finance is committed to providing liquidity to the SME sector.

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Urgent Transactions

We can make lending decisions within hours of initial enquiry and release funds in less than a week, preventing borrowers from missing out on time-sensitive opportunities that come their way.

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Bridging loans are used by people who may be looking to grow a business or complete on a property on a tight deadline. This includes individuals, businesses, property developers and investors.

If applying for a traditional mortgage or loan may take too long or you are looking to avoid property chains, bridging can provide a fast and effective solution to ‘bridge the gap’ between the purchase of a something and the point of sale.

Perhaps you want to buy a property for development purposes, but cannot wait for a mortgage to come through or want to beat other investors to the punch, bridging can be an effective solution to bridge the gap.

Or if you are looking to buy a property at auction, you can access funds within 2 to 4 weeks and secure the deal.

Once you have purchased the property, you may look to develop it, re-sell it or rent it out and when the loan term is complete (1 to 24 months), you can repay your bridging loan or refinance under new terms.

To be eligible for a bridging loan, you must be a UK resident, have a low income-to-debt ratio and have organised plans and an exit strategy for the property you are looking to purchase.

MT Finance is non-status lender, meaning that we will take a view on all credit histories and will base our decision on the value and potential in your property development and your plans for it.

Every property will be subject to a valuation and approval.

The fees for bridging loans will vary depending on the type of property, its size, condition and whether it is first charge or second charge.

The fees will generally include:

Interest rate – charged by the lender
Arrangement fee – charged by the lender
Valuation fees – charged for the survey
Legal fees – charged by the solicitor
Broker fees – charged by the introducer
Exit fees – charged by the lender to leave early

Bridging loans with MT Finance are typically approved within a few days and funded within 2 to 4 weeks. This can be quicker or longer depending on the circumstances and features of the property.

If you are looking to purchase property at an auction, it is common to get approved terms from the bridging lender before you attend the event.

In the event that you cannot repay your bridging loan or your development works are taking too long, your property may be at risk of repossession or you may have the option to refinance under different terms.

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