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 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 0.85%
  • 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 credit scoring

our process

  1. step 1


    You can apply one of three ways. You can either call us to speak to one of the team directly, send your enquiry via email, or fill in our Quick Enquiry form. Alternatively, you can Request a Callback and one of our experts will be in touch with you when convenient.

  2. step 2


    We will review your enquiry and if our criteria matches your requirements, we will review and respond with an Offer in Principle (OIP). We can usually provide you with an OIP within 2 business hours. If you're happy with our offer, simply sign it and email it back to us.

  3. step 3


    We will instruct a RICs surveyor from our panel to value all properties offered as security for the loan – our valuation reports are typically produced within 72 business hours. Whilst we wait for the valuation report, we will need your solicitor’s details.

  4. step 4


    We will send your solicitor our Checklist of Requirements. If the valuation report is acceptable for the loan to proceed as per the terms agreed, we will confirm this to your solicitor and then issue the mortgage deed for your witnessed signature.

  5. step 5


    Once our solicitor is in receipt of all satisfactory replies and supporting documentation, we are ready to go! Within 24 hours of receipt of the report on title, we arrange the transfer of funds to your solicitor to complete the transaction.

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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  1. What Are The Pros of Bridging Loans from MT Finance?

    Speed - The speed of funds is the main benefit of using bridging finance, with deal completion often within an average of 1 to 6 weeks. When compared to a typical mortgage that can take weeks and months to get a decision and complete, MT Finance can usually give indicative terms on a bridging loan within 24 hours.

    Our goal is to help streamline the process for you as quickly as possible, whilst carrying out all essential checks on you and the property. So, if you have a property that is sought-after or being purchased at an auction, our team is ready to help you complete as fast as possible.

    Become a Cash Buyer - With bridging loans, you are converted into a cash buyer, allowing you to avoid the traditional delays associated with property chains and helping you to complete on a property immediately. With chains often being the main reason that a property purchase is delayed, you can avoid a lot of headaches to complete the deal as soon as you can - making it ideal for property buyers, developers, and investors.

    Flexible Borrowing - Bridging finance reviews every candidate on a case-by-case basis, making it far more approachable than mainstream banks and lenders. MT Finance is able to take an individual view on a customer, their property and their history, which results in providing more bespoke terms for you and your project. With the option to borrow large sums over 1 to 24 months, we are pleased to offer a flexible arrangement to suit your requirements.

  2. What Are The Types of Bridging Loans?

    Open - With an open bridging loan it means that the end date or repayment date is not yet finalised. Your exit might be to renovate and sell the property at a higher price, but the date is not yet confirmed. In most cases you will be required to pay back the loan within 24 months or refinance at this point under different terms.

    Closed - With a closed bridging loan, you will have fixed terms and a clear repayment date. This could be from buying a property through an auction, purchasing a new home before being able to sell your own one or even transforming a property and renting it out through buy-to-let.

    First or Second Charge - MT Finance can offer bridging loans by way of first or second charge. As first charge, this takes priority as the first payment to be collected from the property each month. As the second charge, this is the second priority when it comes to repayments against a property. If you have an existing mortgage, your bridging loan will typically be your second charge, also known as a second mortgage.

    Fixed or Variable Interest - A bridging loan will have either fixed or variable rates, whereby the rates you are charged will stay the same throughout the loan term (fixed) or they are variable and will change during the loan term.

    Bridging Loan Example

    Our client required £128,009 to undertake a heavy refurbishment on one of their rental properties which included a loft conversion, downstairs extension, and a renovation throughout. Within 2 weeks, we delivered a second charge bridging loan of £128,009 against their additional rental property at 37.8% loan-to-value over a 12-month term.


MT Finance is a leading property finance lender, specialising in bridging loans and auction finance.

Since we were set up in 2008, we are proud to have assisted numerous property professionals, business owners, and individuals with their finance requirements. Our reputation in the market excels for delivering fit-for-purpose short-term loans at speed, and our approach to lending is something we have been consistently recognised for within the financial services industry.

With no up-front fees, no early repayment charges or exit fees, MT Finance will always help you access the most competitive rate, tailoring a solution to fit your financial requirements.

We can offer up to 70% LTV on property purchases based on meeting our eligibility criteria. This may vary from customer-to-customer based on factors such as their track record and the opportunity that is presented.

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.

You will typically need a minimum of 30% deposit or equity to be eligible for a bridging loan or to purchase a property at an auction. We can offer the remaining 70% based on meeting our criteria. 

At MT Finance, we believe a bridging loan should either make or save you money. We offer first charge and second charge bridging loans for investment or business purposes and will also take a view on all credit histories, including borrowers with CCJs and a history of arrears.

We do not often require a minimum credit score, accounts or proof of income – instead, we focus on the property and your future plans.

Every property will be subject to a valuation and approval. MT Finance accepts security on residential properties, commercial properties or mixed residential/commercial assets.

Unacceptable property types include land/ care homes/ places of worship/ schools/ trading pubs and hotels/property that is not based in England or Wales.

As an unregulated lender, MT Finance cannot provide a second legal charge on a residential property where you or family members live, if the loan is not for business purposes.

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

Yes, MT Finance will take a view on a loan request even if the applicant has a bad credit history, previous CCJs or is in arrears. There are no personal guarantors required and no credit scoring will take place. Instead, we review every application individually and the opportunity that is presented.

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.

The main benefit of a short-term loan is the speed at which funds can be delivered. Where a mainstream bank may take several months to put together a loan for a borrower, MT Finance is able to make lending decisions within hours of initial enquiry, so funds can often be released within days, preventing you from missing out on any time-sensitive opportunities that come your way.

With instant decisions in principle and a streamlined process with no lengthy application forms, MT Finance is here to get your short-term loan completed in a matter of days.

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.