Bridging Loans in Birmingham and West Midlands

For fast funding of property transactions, MT Finance offers bridging loans in Birmingham, the West Midlands and surrounding areas. We have the capacity to make quick lending decisions within hours of the initial enquiry and release funds in a matter of days.

Customers can borrow £50,000 to £10 million repaid over 1 to 24 months with no upfront fees or early exit fees and we are able to take a view on adverse credit histories.

Chris Parr is our dedicated business development manager for the Birmingham area. Enquire today using our form or call on 0203 051 2331.

How Can MT Finance Help Me With Bridging Loans in Birmingham?

MT Finance is a leading property lender which was set up in 2008. We have a presence and local knowledge of Birmingham and the local areas of West Midlands, Solihull and Wolverhampton, with specialist BDMs located specifically in these areas.

Our speciality is helping property professionals and business owners with their individual finance requirements through bridging finance, second charge loans and auction finance.

We have been recognised in our industry for our customer service, being able to place short term loans at speed and often in just a few weeks, rather than months.

You might be looking to buy a property as an investment, for buy-to-let purposes, to flip the property or for business purposes. We are delighted to offer a personalised quote and tailored solution to achieve your goals.

We Can Help With:

    • Refurbishment loans

    • Renovation finance

    • Business funding

What Are The Benefits Of Using MT Finance For Bridging Finance in Birmingham?

Quick Decisions – We can offer fast decisions to give you an initial quote or to proceed with your loan, using past knowledge and experience. We are known in the industry for helping property transactions complete within weeks, rather than months.

Fast Funding – We want to help you complete deals as quickly as possible. If you need fast funding because of a time sensitive deal or transaction, we can help speed things up to achieve your goals.

Local Knowledge – Our BDMs have local knowledge of the area and previous success will be able to help you secure the property and proceed in the most effective way. We are here to offer sound local advice and help you every way we can.

Track Record – MT Finance has been operating since 2008 and we have continued to grow year-on-year offering the same attention to fast funding and customer service.

Flexible – We know that every project is different and we can structure the terms in a flexible way to accommodate your property transaction, whether it is the repayment structure or length of the loan.

What Types Of Properties Can Be Purchased in Birmingham Using Bridging Loans?

    • Barns and farmhouses

    • Commercial property

    • Offices and work environments

    • Residential investments, including HMOs and multi-lets

    • Semi-commercial property

    • Student accommodation

FAQs

How Long Does It Take To Be Approved?

We aim to complete deals as quickly as possible, with 2-4 weeks being a typical timeframe once your bridging loan offer is approved.

How Long Is The Loan Term?

Our bridging loans are available from 1 to 24 months with the option for early repayment, with no early exit charges.

Is The Loan Secured Against The Property?

Yes, your bridging loan will always be secured against a residential or commercial property, however, we will not lend to a property that is the borrower’s primary residence.

What Is The Maximum LTV Available?

Please see our product guide for more information.

Do I Pay My Loan Monthly Or At The End Of The Loan Term?

Your bridging loan will accrue interest each month and be repaid in full at the end of the loan term, typically upon exiting a property deal through a sale, refinancing under different terms or moving the loan to a buy-to-let mortgage if renting out the properties to tenants.

Is The Loan Paid To Me Upfront?

Yes, our bridging loans are paid to you upfront in one lump sum upon completion. You will not receive your loan in tranches or instalments.

Is Interest Rolled Up?

Yes, we have different repayment options which allow you to roll up interest until the end of the loan term to help you with your cash flow needs.

What Happens If I Cannot Repay My Bridging Loan?

We will always work with you if you are experiencing financial or cash flow issues. Whilst we will typically make adjustments to your repayment plan and offer alternative options, it is important to know that your property may be at risk of repossession if you default on your loan.

Simply email us at enquiries@mt-finance.om or call 0203 051 2331 to speak directly with Chris Parr, our specialist BDM for Birmingham.