Compare Mortgage Rates from MT Finance Against the Market starting at 3.47%

About MT Finance

MT Finance was set up to fill the gap left by high-street banks that are often too slow to handle time-sensitive property deals. They operate distinct divisions for different types of borrowers:

1. Unregulated Bridging: For property investors and businesses

2. Regulated Bridging(authorised by the FCA): For homeowners using funds for personal use or their own home

3. Buy-to-Let: A newer division offering long-term mortgages for specialist landlord products such as HMOs

Their philosophy is "common-sense lending." They focus on the value of the property and the viability of the "exit strategy" (how you plan to pay the loan back), rather than ticking boxes on a computer screen.

Mortgage & Finance Products

MT Finance offers products primarily for properties in England and Wales.

• Bridging Finance:

  • Unregulated Bridging: For investors. Loan terms up to 24 months. Known for rapid completions (often in days)

  • Regulated Bridging: Loan terms up to 12 months

  • Refurbishment: Funding for Light Refurbishment (aesthetic updates) and Heavy Refurbishment (structural changes/extensions), often lending up to 100% of the build costs

• Auction Finance:

  • Designed specifically for buying property at auction where you have a strictly limited time (usually 28 days) to complete. MT Finance can often provide a decision in hours to give you bidding confidence

• Buy-to-Let (BTL) Mortgages:

  • Specialist Focus: They generally do not lend to "vanilla" landlords. Their BTL range is for Expats, Foreign Nationals (no UK credit footprint required), Limited Companies(SPVs), and owners of HMOs (Houses in Multiple Occupation) or MUFBs (blocks of flats)

  • Holistic Stress Test: They often use a more generous "stress test" calculation than high-street banks, which can allow you to borrow more against the rental income

Pros and Cons of MT Finance

Here is a balanced overview of choosing MT Finance for your property deal.

Pros:

• Speed: This is their biggest selling point. They can issue an indicative offer in hours and fund a deal in days. If you risk losing a property due to delays, MT Finance is a strong option

• No Upfront Fees (Unregulated): Unusually for the bridging sector, on many unregulated products they do not charge valuation or assessment fees upfront. You only pay if the loan completes

• Foreign National Friendly: They are one of the best lenders for non-UK residents (e.g., US or Middle East based investors) wanting to buy UK property, as they do not require a UK credit footprint

• Manual Underwriting: They do not credit score. If you have adverse credit (CCJs, defaults) but a strong property and a clear exit plan, they will often still lend

Cons:

• Cost: As a premium service specialist lender, their interest rates are higher than high-street banks. You are paying for speed and flexibility, not the lowest rate

• Mostly Intermediary-Only : While you can enquire directly, most of their best long-term BTL products are distributed via mortgage brokers

• Geographic Limits: Their lending is focused on England and Wales. They do not typically lend in Northern Ireland or Scotland (though criteria can change, so check with a broker)

Customer Service and Reviews

MT Finance has an excellent reputation in the industry.

• Feefo / Trustpilot: They consistently hold high ratings (often 4.8/5 or higher). Reviews frequently mention specific staff members by name, praising their communication and ability to hit tight deadlines

• Awards: They are serial winners of industry awards, including "Best Service from a Bridging Finance Provider" and "Best Short-Term Lender"

How to Apply

1. Through a Broker: For Buy-to-Let and complex bridging, it is highly recommended to use a specialist mortgage broker like ourselves. We can compare deals from MTF with other similar lenders from across the market, and package your application for a successful outcome. Get started today to speak to one of our knowledgeable brokers.

2. Direct Enquiry: For unregulated bridging or auction finance, you can contact MT Finance directly via their website or phone to discuss a proposal. However, keep in mind that applying directly won’t allow you to compare their offerings with other similar lenders.