Mint Property Finance
Specialist LenderMint Property Finance is a London-based bridging lender providing short-term property loans for residential and commercial assets. The lender focuses on delivering quick, flexible bridging solutions for investors and developers seeking speed of execution.
About Mint Property Finance
Mint Property Finance is a specialist bridging lender headquartered in London, providing short-term property finance across England and Wales. The lender was established to serve property investors and developers who need fast, flexible funding for purchases, refinances, and refurbishment projects. Mint Property Finance focuses on speed of execution and a streamlined application process.
Mint Property Finance offers first charge bridging loans on residential, commercial, and semi-commercial property. The lender is known for moving quickly from enquiry to offer, with an experienced underwriting team that provides rapid decisions. Mint caters to experienced property professionals who understand the bridging process and value speed and reliability.
Mint Property Finance works exclusively through broker partners and has developed a strong following in the intermediary community. The lender is recognised for clear pricing, fast turnaround times, and a hands-on approach to case management. Mint aims to be a go-to bridging provider for brokers who need reliable funding solutions.
Lending Focus
Mint Property Finance offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- First charge bridging loans on residential and commercial property
- Fast turnaround from enquiry to offer
- Experienced underwriting team with rapid decision-making
- Clear pricing with no hidden fees
- Hands-on case management throughout the loan lifecycle
Pros & Cons
Pros
- Fast turnaround times — known for moving quickly from enquiry to offer
- Clear, competitive pricing with transparent fee structure
- Hands-on case management approach
- Strong broker relationships and repeat business track record
Cons
- –Broker-only — no direct-to-consumer option
- –No development finance or second charge products
- –Smaller lender with more limited capacity than larger institutions
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value
- Early Repayment Charge
- No ERC on standard bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Mint Property Finance
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 1–3 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
How fast can Mint Property Finance provide a bridging loan?
Mint Property Finance is known for speed and typically aims to complete bridging loans within 1 to 3 weeks from application, subject to valuation and legal processes.
What property types does Mint Property Finance lend against?
Mint Property Finance lends against residential, commercial, and semi-commercial property across England and Wales.
Does Mint Property Finance accept limited company borrowers?
Yes, Mint Property Finance lends to individuals and limited companies including SPVs established for property investment purposes.
Can Mint Property Finance fund auction purchases?
Yes, Mint Property Finance is well-suited for auction purchases due to their focus on speed. They aim to meet the 28-day completion deadlines typical of auction transactions.
How to Apply
Broker only. Mint Property Finance products are available through mortgage brokers. Find a broker with Mint Property Finance on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Clearwell Capital | Commercial, Bridging, Limited Company | Specialist | 75% |
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
| Fox Funding | Commercial, Bridging, Development+1 | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Commercial Mortgage Advances Rise by 3% in Q3 2026
Commercial mortgage advances have increased by 3% in Q3 2026, indicating a growing market for semi-commercial properties.
Alternative Commercial Mortgages: New Options for Brokers
Alternative Bridging Corporation launches ACM, offering long-term commercial mortgage solutions for brokers and property investors.
Metro Bank’s Specialist Mortgage Lending in the Market
Metro Bank reports a 73% increase in specialist mortgage lending, impacting borrowers and investors in the UK mortgage market.
Semi-Commercial Mortgage Lending Forecast to Exceed £1 Billion
The UK semi-commercial mortgage market is set to exceed £1 billion by 2026, benefiting landlords and investors seeking financing.
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