MFS have been in the bridging market since 2006, adding BTL mortgages to our range in 2021.

We have multiple institutional funding lines behind us, allowing us to support a wide range of property investors. We can accommodate many complicated borrower backgrounds, including overseas buyers, and specialist properties. 


Key Features Videos

Proc Fees

Product Gross Net
Buy To Let 1.20% 1.05%
Bridging 1.50% 1.20%

Key Features

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    We don't do tick box lending criteria or long forms.

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    We have multiple funding lines from institutional investors.

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    We have never stopped lending since our founding in 2006.

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    We underwrite from day 1 with applications reviewed on a case-by-case basis.



Post Code Restrictions:

  • Properties in England and Wales only

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Market Financial Solutions (MFS) have been in the bridging market since 2006. Building on our reputation and expertise, we’ve applied our flexibility, speed, and service to complex BTL since 2021.

We have multiple institutional funding lines behind us (we’ve never stopped lending since 2006) allowing us to support a wide range of property investors with bridging or BTL. What’s more, we are members of NACFB, FIBA, IMLA and ASTL.

We can accommodate a range of complicated borrower backgrounds, including those overseas, large loans, specialist properties, or poor credit histories.

Brokers love working with us, and you can see for yourselves here

We provide a range of tools and resources to aid investors and brokers. Our calculators are quick and simple, and we produce original research reports throughout the year, release regular blogs on the state of the market, host our own podcast with several industry insiders, and much more.

We can complete in mere days and pride ourselves on never leaving our intermediaries in the dark on where their client’s application stands.

What we do:

We help property investors reach their goals, making complex circumstances simple with expert bespoke underwriters looking for ways to say yes. We don’t do tick box criteria or long forms – the same underwriter through to completion is just a direct call or email away.

In most cases we can lend more than other lenders to help with current affordability challenges. We can roll up months of interest (pay nothing for 1-9 months, add to loan, repay at redemption), defer 2% of the rate, or top slice from portfolios or wider wealth to ‘boost’ rent. We offer 130% ICR for all, regardless of tax or property type. Click here to see if we can lend more.

We specialise in providing unregulated loans in England & Wales to:


  • First Time Landlords (including HMO & MUFB)
  • LtdCo – Trading, SPV, LLP and offshore
  • Foreign nationals & Expats – UK footprint not required
  • Trusts, including offshore
  • Unlimited size HMO’s
  • Student Lets
  • Flats above commercial at 70% LTV
  • Multi-unit blocks to 30 units
  • Holiday lets: weekly projected rent, not AST
  • BTL Loans to £3m (at 75% LTV!), max £10m portfolio with MFS. £50m Bridges
  • Bridge to let, quick auction purchases, light refurb via BTL, permitted dev via Bridge


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Accord Videos

MFS Videos

MFS Intro Video

BTL & Residential Bridging Loans: All You Need To Know

BTL Mortgages: All You Need To Know

BTL Q&A Session 1 with Mike Cook, Chief Mortgage Officer

Tools & Calculators