David Kingham
BDM for London & South East
Starting at MT Finance as a New Business Executive in 2019 and progressing to Senior Underwriter for regulated bridging, David’s expertise has allowed him to smoothly transition into business development. A natural problem solver, he excels in navigating complex markets and providing innovative solutions.
Chris Parr
Senior BDM for Midlands & North
Chris Parr has over 20 years’ experience in the financial services sector. Since joining the MT Finance team in 2020, he has used his vast knowledge to support our introducing brokers in the Midlands, Northern England and North Wales and helping to guide them through every stage of an application process.
Richard Sherman
Senior BDM for South West & South Wales
Richard joined us in 2018 and has over 10 years’ experience in the industry. Having joined from a mortgage broker, he’s uniquely placed to understand how our brokers truly operate & what they need to effortlessly provide the best possible outcomes for their clients.
Joe Grace
Senior BDM for London & South East
Joe originally joined us in 2019 as a New Business Executive, meaning he has an in-depth knowledge of our operations & processes as well as the property sector. A natural people person, his ability to forge strong relationships makes him the perfect choice to support our brokers.
Criteria FAQs
What types of commercial properties does MT Finance Commercial lend on?
We consider a wide range of standard and specialist commercial sectors. This includes, retail units, office buildings, industrial properties, and certain complex or unique commercial assets.
Do you consider first-time commercial landlords or buyers?
Yes, we consider first-time buyers and first-time landlords for commercial mortgages. However, full Personal Guarantees, and additional documentation may be required in these cases.
What are the minimum income requirements for a commercial mortgage with MT Finance?
A minimum personal income of £15,000 is required for applicants.
Can you lend to corporate borrowers with complex company structures?
We specialise in supporting corporate borrowers and can consider borrowers with complex company structures.
Are Personal Guarantees always required for commercial loans?
Personal Guarantees are only required for Commercial loans above 50% LTV, and where the interest-only period is not greater than 10 years. Certain sectors like Leisure/Lodging/Hospitality are excluded from this flexibility.
What is the maximum loan size for Commercial Mortgages?
We offer a maximum loan size of £2,500,000. This excludes product fees, which can be capitalised onto the loan.
Do you lend to Expat borrowers for commercial properties?
Yes, we consider Expat borrowers, provided they are residents in EEA or FATF member countries only.