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.
- Rates from 0.65%
- 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
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.
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.
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.
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:
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.find out more
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.find out more
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.find out more
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.find out more
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.find out more
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.find out more
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.find out more
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.find out more
Bridging finance or ‘bridge finance’ is used to purchase a property under a tight deadline and avoid the delays and property chains associated with typical mortgages.
Used by property developers and buy-to-let investors, borrowers can usually complete within 2-4 weeks of applying or sooner; and repay their loan over 1 to 24 months, at rates starting from 0.65%.
Any bridging finance is secured against your property and this could be at risk if you do not keep up with repayments.
MT Finance can process funds within weeks for property purchases, including those purchased through auction finance.
In some cases, we can process funds quicker and within 2 weeks of applying.
Borrowers can apply for £50,000 to £10 million and borrow up to 70% LTV.
The amount you can borrow is based on various factors including a valuation of the property, its potential income, your plans and exit strategy.
- Based in England and Wales
- Employed or self-employed
- If the property is borrower’s main residence- loans for business purposes only
- Subject to valuation of property
- All credit histories considered
MT Finance does not carry out any credit scoring and will take a view on adverse credit histories including CCJs. We take an individual view on every application and are more interested in your long-term plans and the long-term potential of the property.
MT Finance is a bridging lender and will process your application and its funding from start to finish. If you would like to get an initial quote, you can make a quick enquiry here.
MT Finance is a leading bridging finance lender and since we were founded in 2008, we have assisted numerous property professionals, business owners, and individuals with their finance requirements.
We pride ourselves on the ability to process short-term loans at speed, and our approach to lending is something we have been consistently recognised for within the financial services industry.
Our industry accolades include Best short-term Lender at the Mortgage Strategy Awards 2019, Best Service from a Bridging Finance Provider at the Business Moneyfacts Awards in 2019, in 2018 and in 2017, Bridging Lender of the Year at the Property Wire Awards 2018 and Best Bridging Finance Provider at the Business Moneyfacts Awards 2016.