MT Finance
Specialist LenderMT Finance is a specialist short-term bridging lender focused exclusively on delivering fast, flexible bridging loans across England and Wales. Their streamlined process and dedicated case management have earned them multiple industry awards for service and innovation in the bridging sector.
About MT Finance
MT Finance was founded in 2008 and focuses exclusively on bridging loans across England and Wales. The lender has earned multiple industry awards for service and innovation in the bridging sector. MT Finance's streamlined process and dedicated case management have built a reputation for speed and reliability.
MT Finance offers bridging loans from £100k to £10m on residential and commercial assets. The lender provides same-day indicative terms on straightforward cases and assigns a dedicated case manager from enquiry to redemption. MT Finance is known for transparent pricing with no hidden fees.
MT Finance is broker-only and does not lend in Scotland or Northern Ireland. The lender's exclusive focus on bridging has allowed it to develop deep expertise and efficient processes. MT Finance is regulated by the FCA.
Lending Focus
MT Finance offers mortgage products across 1 categories including Bridging.
Key Features
- Award-winning bridging lender with rapid completions
- Loans from £100k to £10m on residential and commercial assets
- Dedicated case manager from enquiry to redemption
- Same-day indicative terms available
- Transparent pricing with no hidden fees
Pros & Cons
Pros
- Award-winning service with dedicated case manager for every deal
- Same-day indicative terms available for urgent cases
- Transparent pricing with no hidden fees
- Purely focused on bridging — deep specialism in short-term lending
Cons
- –Broker-only — cannot apply directly
- –Only lends in England and Wales — no Scotland or Northern Ireland
- –Limited product range — bridging only, no development or BTL
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — arranged through MT Finance panel
- 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 MT 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
- 5–10 working days 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
Does MT Finance lend in Scotland?
No, MT Finance currently only provides bridging loans secured against properties in England and Wales.
How quickly can MT Finance provide terms?
MT Finance can provide same-day indicative terms on straightforward cases, making them one of the fastest in the market.
What is the maximum bridging loan from MT Finance?
MT Finance offers bridging loans from £100,000 up to £10 million on residential and commercial assets.
Does MT Finance charge exit fees?
MT Finance is transparent about all fees upfront. Specific exit fee arrangements depend on the product and should be confirmed at application.
How to Apply
Broker only. MT Finance products are available through mortgage brokers. Find a broker with MT Finance on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Alternative Bridging Corporation | Commercial, Bridging, Adverse Credit+2 | Specialist | 70% |
| Apex Bridging | Commercial, Bridging, Limited Company | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
MFS Collapse Triggers Caution in Bridging Finance
The collapse of MFS has raised concerns in the bridging finance sector, prompting lenders to reassess funding strategies.
Somo Provides Second Charge Bridge to Assist Landlords
Somo has provided a second charge bridge to assist landlords with arrears, allowing them to use property equity without redeeming first charges.
Nivo Launches AI Case Management for Bridging Finance
Nivo has launched Lender Collect, an AI case management service for bridging finance, streamlining the application process for lenders and brokers.
Bridging Finance: 85% of Offers Now Fixed Rate
Octane Capital reports that 85% of its bridging finance offers are now fixed-rate, indicating a strong demand for stability among borrowers.
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