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MT Finance

MT Finance launched in 2008 with a clear and simple philosophy: to provide loans quickly and effortlessly, and with utmost flexibility – core values we maintain to this day.

We are committed to supporting the UK intermediary community by providing fit-for-purpose specialist funding solutions that meet your client’s needs and have built our reputation around an exceptional service proposition – something we are consistently recognised for within the financial services industry.

Bridging Loan Product Guide Buy-to-let Product Guide

Paid by Lender

To become an introducer with MT Finance register using the link below, but remember to state that you are a PMS Member.

Proc Fees

Product	Gross	Net
All Products	1.75%	1.5%
BTL	0.60%	0.55%

Overview

Register

Register to place business with MBS Lending:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.

Heavy Refurb Range

This product is designed to cater for borrowers who wish to add value to their investment by undertaking conversion works.

Borrowers can apply as individuals or through limited companies and the types of heavy refurbishment accepted include basement digs, loft conversions, completing a development project and commercial conversions to residential.

Criteria:

Up to 65% LTV
Loans from £50,000
Terms from 1-24 months
Residential and semi-commercial property
No exit fees or ERCs
100% of build costs available
Further draw-downs available

Residential Range

Common uses include the purchase of an investment property where time if of the essence, completing light refurbishments on an investment property and buying at auction.

Criteria:

Up to 70% LTV
Loans from £50,000
Terms from 1-12 months
1st and 2nd charge loans
Residential and semi-commercial assets
Gifted deposits considered
No exit fees or ERCs

Bridging Loans

When your client needs a bridging loan, they want a fast and stress-free process. By adopting a common-sense approach and a streamlined service, we prevent your clients from missing out on any time-sensitive opportunities that come their way.

Investment purchase

Up to 70% LTV
Loans from £50,000
1st and 2nd charge loans
Terms from 1-24 months
Residential, commercial & semi-commercial assets
No exit fees or ERCs
Undervalue transactions
Pre-approved funds for auction purchases

Light refurb

Up to 70% LTV
Loans from £50,000
1st and 2nd charge loans
Terms from 1-24 months
Residential, commercial & semi-commercial assets
No exit fees of ERCs
Unmortgageable properties accepted

Heavy refurb

Up to 65% LTV
Loans from £50,000
Terms from 1-24 months
Residential and semi-commercial property
No exit fees or ERCs
100% of build costs available
Further draw-downs available

Second charges

Up to 65% LTV
Loans from £50,000
Terms from 1-24 months
Residential, semi-commercial property
Business purposes on main residential properties
No exit fees or ERCs

Regulated Bridging Loans

Our regulated bridging products are designed to be fit for purpose, with an emphasis on speed and efficiency. We have stripped back to the essentials, focusing on the necessary, empowering your client to quickly unlock equity from their home.

Residential Purchase

Up to 70% LTV
Loans from £50,000
Terms from 1-12 months
1st & 2nd charge loans
Residential and semi-commercial assets
Gifted deposits considered
No exit fees or ERCs

Refinance

Up to 70% LTV
Loans from £50,000
Terms from 1-12 months
1st and 2nd charge loans
Residential and semi-commercial assets
Adverse credit considered
No exit fees or ERCs

Refurbishment

Up to 65% LTV
Loans from £50,000
Terms from 1-12 months
1st and 2nd charge loans
Residential and semi-commercial assets
Heavy and light refurb transactions
100% of works funded upfront
No exit fees or ERCs

Second Charges

Up to 65% LTV
Loans from £50,000
Terms from 1-12 months
Residential and semi-commercial assets
Heavy and light refurb transactions
No exit fees or ERCs

Vida Homeloans Videos

Buy-to-let Mortgages

Securing a buy-to-let mortgage for your client shouldn’t be a complex ordeal. If you are looking for a lender who believes a hands-on and clear-cut approach is best and delivers a solution with ease.

Standard Residential