light refurbishment

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

Our short-term loan products are designed to meet the many diverse needs of property investors and landlords. Borrowers can apply as individuals, sole traders or through limited companies, and we do not require a minimum credit score, accounts or proof of income. This allows us to take a practical, common-sense approach to lending.

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product features:

  • Rates from 0.99%
  • 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, with interest retained at 0.75% over a 12-month term.


A refurbishment loan offers short-term finance to carry out any light and heavy refurbishments on your property.

Whether you are carrying out internal or structural work, the ability to make refurbishments can significantly increase the value of your property or business premises and maximise the potential rent that you can charge to tenants.

Our customers include property developers, investors, commercial property owners, landlords and business owners.

Our refurbishment loans are available by way of first and second charge, secured against your investment property.

  • Converting a house into flats
  • Converting a commercial property into residential
  • Refurbishing flats for buy-to-let purposes
  • Heavy refurbishments including loft extensions, kitchens, bathrooms and basements
  • Light refurbishments including changes to fixtures, fittings, interiors and flooring
  • Upgrading your work premises including offices, factories and more

Customers can borrow between £50,000 and £10 million using refurbishment loans from MT Finance.

The amount you can borrow is based on a maximum 70% LTV and other factors including the value of the property, expected return, your equity in the property and more.

  • Based in England and Wales
  • Sole traders, employed or self-employed
  • Must have equity in the property
  • Property is not the borrower’s primary residence
  • Property is subject to valuation
  • Must be up-to-date with mortgage repayments
  • Plans of costings, pricing and exit

Refurbishment loans can be available from MT Finance in less than 4 weeks, depending on the complexity and nature of the refurbishment project.

Every property will be subject to a valuation and our underwriters will need to see proof of the refurbishment costs and plans that you have in mind.

Founded in 2008, MT Finance has helped thousands of individuals and businesses to access the property finance they require.

Our ability to provide short-term finance at speed and at affordable rates has been acknowledged by the financial services industry, with accolades and awards for our quality and customer service.