Lender Profile
MT Finance Bridging Loans
London-based specialist bridging lender since 2008 — regulated and unregulated.
Starting rate
0.89% /mo
Max term
Up to 24 months
Max LTV
70%
Loan range
£50,000 (loans below £125k carry minimum 1.05% rate)–£10,000,000 (Residential) / £2,500,000 (Commercial / Regulated) / £500,000 (Heavy Refurbishment)
About MT Finance
MT Finance has been lending in the UK bridging market since 2008. They're a privately-owned specialist lender with a strong focus on speed and flexibility — DIPs are typically issued same-day, and their product range covers residential, semi-commercial, commercial, heavy refurbishment, and regulated bridging.
Headline rates start at 0.89% per month for first-charge residential at sub-60% LTV. MT Finance accept all credit profiles, including CCJs and arrears, and lend to limited companies, LLPs, ex-pats, and offshore borrowers.
Their commercial bridging covers offices, retail, industrial, mixed-use, and HMOs, with maximum LTVs of 70% (semi-commercial) or 65% (full commercial / nurseries / healthcare). Heavy refurbishment is available up to £500k loan with 100% of build costs.
Product range: Residential (1st & 2nd charge), Semi-commercial (1st), Commercial (1st), Heavy Refurbishment, and Regulated Bridging.
Best for
- Borrowers with CCJs or arrears who can't fit mainstream criteria
- LTD company / LLP / offshore property investors
- Heavy refurbishment projects under £500k
- Cases needing same-day Decision in Principle
Key facts
- Established
- 2008
- Min Loan
- £50,000 (loans below £125k carry minimum 1.05% rate)
- Max Loan
- £10,000,000 (Residential) / £2,500,000 (Commercial / Regulated) / £500,000 (Heavy Refurbishment)
- Max Term
- 24 months unregulated / 12 months regulated
- Max Ltv
- 70% residential / 70% semi-commercial / 70% commercial
- Fee
- 2% facility fee, minimum £2,000
- Regulated
- Both regulated and unregulated
- Interest Structures
- Retained, part-and-part, or serviced on unregulated; retained on regulated
- Completion
- Same-day DIP typical; 2-6 weeks to completion
Pros
- +Same-day Decisions in Principle
- +Accepts CCJs, arrears, complex credit
- +LTD companies, LLPs, ex-pats, offshore companies all eligible
- +Long-established (since 2008) with strong broker relationships
Cons
- −Loans below £125k subject to 1.05% minimum rate
- −70% max LTV — lower than some unregulated competitors
- −Heavy Refurbishment capped at £500k — small for larger projects
MT Finance FAQs
Will MT Finance lend if I have CCJs?
Yes — MT Finance explicitly accept borrowers with CCJs and arrears across most products. The deal needs to make sense (sensible LTV, clear exit) but credit history alone won't disqualify you.
Can a limited company borrow from MT Finance?
Yes — limited companies, LLPs, non-EEA nationals, ex-pats, and offshore companies are all acceptable borrower types.
What's the maximum loan for heavy refurbishment?
£500,000. For larger refurbishment projects we'd recommend looking at LendInvest or Aspen on our panel.
Apply for a MT Finance bridge
We'll match your case against MT Finance's criteria first — and the rest of our panel — to find the cheapest fit.