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.
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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?
How quickly can MT Finance provide terms?
What is the maximum bridging loan from MT Finance?
Does MT Finance charge exit fees?
How to Apply
Broker only. MT Finance products are available through mortgage brokers. Find a broker with MT Finance on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.