BRIDGING
LOANS
Where speed meets service
Why Choose a Bridging Loan?
A short-term loan that has a maximum term of up to 24 months, a bridging loan provides your client with the finance they need quickly and efficiently. At MT Finance, we offer regulated bridging loans to homeowners and unregulated bridging loans to landlords and investors. Lending decisions are often made within hours of an initial enquiry, and funds can be released in a matter of days.
PRODUCTs
Property Purchase
Whether it’s preventing a regulated chain break or simply needing to move quickly to complete the purchase of an investment property, our bridging loans ensure your clients don’t miss out on any potential opportunities. First and second-charge loans are available at up to 70% LTV on residential, commercial and semi-commercial assets.
Light Refurb
Designed for landlords, investors and homeowners, our light refurb bridging loans give your clients fast access to the funds they need to undertake works. We lend against residential, commercial and semi-commercial assets.
Heavy Refurb
Designed to provide landlords and investors with the funds they need to carry out structural works. 100% of build costs are available and further draw-downs can be accessed as the works progress. First charge loans are available from £50,000 to £500,000 at up to 65% LTV.
Second Charges
A second-charge bridging loan is a useful tool for landlords, investors and homeowners who are looking to raise capital. With a focus on speed and flexibility, we lend against residential and semi-commercial properties at up to 65% LTV.
Property Purchase
Suitable for properties which comprise of less than 60% commercial space, we offer individuals and corporate borrowers up to 75% LTV. Focus is on all aspects of the property, meaning we can easily unlock opportunities for your client.
Light
Refurb
Designed for landlords, investors and homeowners, our light refurb bridging loans give your clients fast access to the funds they need to undertake works. We lend against residential, commercial and semi-commercial assets.
Heavy Refurb
Designed to provide landlords and investors with the funds they need to carry out structural works. 100% of build costs are available and further draw-downs can be accessed as the works progress. First charge loans are available from £50,000 to £500,000 at up to 65% LTV.
Second Charges
A second-charge bridging loan is a useful tool for landlords, investors and homeowners who are looking to raise capital. With a focus on speed and flexibility, we lend against residential and semi-commercial properties at up to 65% LTV.
Intermediary resources
Eligibility Calculators
Short on time? Use our calculators below to find out if your clients qualify for one of our bridging loans.
FIND YOUR BDM
Our regional BDMs are here to help you. Their experience and expertise ensures that you receive the support you need throughout the application process, from the initial discussion to completion.
FAQs
Find out more about our bridging loans via our FAQs. If you still have questions that need answering then get in touch with us via the link below.
A bridging loan can be used for a wide variety of purposes including purchasing a property (including via auction), preventing a chain break, releasing equity and funding a refurb.
We secure against residential properties, commercial properties and mixed-use assets within England and Wales.
At MT Finance, our processes are designed to provide finance quickly. Terms can be agreed within hours and, depending on your client’s circumstance, funds can be released in a matter of days.
A bridging loan from MT Finance ranges from a minimum of one month to a maximum of 12 months for regulated bridging and 24 months for unregulated bridging. After one month, there are no fees or early repayment charges for repaying the loan before the end of the term.
Yes, we will lend to first-time investors
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