Market Financial Solutions (MFS) is one of the UK’s leading independent bridging and specialist finance lenders. Founded in 2006, MFS is a principal lender, meaning they lend their own funds rather than relying on external investors for every deal.
They focus on property investors, landlords, and businesses. They do not offer standard residential mortgages to buy a home to live in. Furthermore, their primary focus is on unregulated lending, meaning their products are designed for investment purposes (Buy-to-Let, Commercial, etc.) rather than regulated homeowner loans.
To compare MFU lending products you've seen elsewhere with other Buy-to-let mortgage products from across the market you can use our free mortgage comparison tool below:
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Lender Details
Product Details
About Market Financial Solutions
Based in Mayfair, London, MFS has built a reputation for handling large, complex cases with speed. Their lending philosophy is strictly manual underwriting. They do not use automated credit scoring ("computer says no"). Instead, they assess the quality of the asset and the borrower's exit strategy.
They are particularly well-known for their "Bridge Fusion" product—a hybrid between a short-term bridging loan and a longer-term Buy-to-Let mortgage—designed to offer flexibility in a turbulent market.
Mortgage & Finance Products
MFS lends on properties across England and Wales. Their product range is designed for the complex end of the market.
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Bridging Finance (Unregulated):
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Residential & Commercial: Fast loans for purchasing or refinancing investment properties
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Large Loans: They are comfortable with large loan sizes, often lending from £100,000 up to £50 million
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Auction Finance: Speed is key here; they can issue funds in as little as 3 days to meet strict auction deadlines
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Refurbishment: Funding for light and heavy refurbishment projects
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Specialist BTL: Designed for landlords who don't fit high-street criteria
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Complex Borrowers: They actively lend to Foreign Nationals, Expats, Offshore Companies, and Trusts
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Complex Properties: They finance large HMOs (Houses in Multiple Occupation), MUFBs (Multi-Unit Freehold Blocks), and holiday lets
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Adverse Credit: They can consider borrowers with CCJs, defaults, or missed payments, provided there is a credible explanation
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Bridge Fusion:
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A unique hybrid product offering a longer term (e.g., 2–3 years) than a standard bridge, with a lower rate than a typical bridging loan, but higher than a standard mortgage. It provides "breathing space" for investors to stabilise a property before refinancing
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Pros and Cons of Market Financial Solutions
Here is a balanced overview of choosing MFS for your finance.
Pros:
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Speed & Certainty: They are famous for their speed, capable of issuing a Decision in Principle (DIP) within 4 hours and completing loans in days
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Manual Underwriting: Every case is assessed by a human. This is ideal for foreign nationals with no UK credit footprint or borrowers with complex income structures
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Large Loan Capacity: With the ability to lend up to £50m, they are a serious option for high-net-worth investors and institutional buyers
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No Upfront Application Fees: They generally do not charge assessment fees upfront, demonstrating confidence that they will only lend on deals that work
Cons:
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Unregulated Focus: They primarily offer unregulated loans. If you are a homeowner looking to borrow against your main residence for personal reasons, they are likely not the right lender
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Cost: As a premium specialist lender offering speed and complex solutions, their interest rates are significantly higher than high-street banks
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Intermediary Led: While you can enquire directly, the complexity of their products means they are often best accessed via a professional broker who can package the deal correctly
Customer Service and Reviews
MFS has a strong reputation in the industry for transparency and reliability.
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Trustpilot: They currently hold an "Excellent" rating (approx. 4.6 out of 5). Reviews frequently praise specific underwriters and business development managers for their "can-do" attitude and responsiveness
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Industry Recognition: They are a multi-award-winning lender, often recognised for "Best Bridging Lender" or "Best Specialist Lender" at industry events.
How to Apply
You have two main routes to access MFS funding:
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Through a Broker: This is the most common route for complex BTL and bridging. A specialist broker can compare MFS against other lenders and help present your exit strategy clearly to the underwriter. We partner with MFS and can act as an intermediary on your behalf. Simply get started to speak to a specialist.
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Direct Enquiry: Unlike some "intermediary-only" lenders, MFS does accept direct enquiries from investors. You can contact them via their website or phone to discuss a proposal directly with their team, although keep in mind that this won’t give you the opportunity to compare them with other lenders.