The calculator only stresses in line with 125% for our 5 year fixed products. 2 year stresses vary depending on the tax bracket which then applies a different ICR Stress. Please refer to the BTL Team on the 2 year product.
David Kingham
BDM for London & South East
Starting at MT Finance as a New Business Executive in 2019 and progressing to Senior Underwriter for regulated bridging, David’s expertise has allowed him to smoothly transition into business development. A natural problem solver, he excels in navigating complex markets and providing innovative solutions.
Chris Parr
Senior BDM for Midlands & North
Chris Parr has over 20 years’ experience in the financial services sector. Since joining the MT Finance team in 2020, he has used his vast knowledge to support our introducing brokers in the Midlands, Northern England and North Wales and helping to guide them through every stage of an application process.
Richard Sherman
Senior BDM for South West & South Wales
Richard joined us in 2018 and has over 10 years’ experience in the industry. Having joined from a mortgage broker, he’s uniquely placed to understand how our brokers truly operate & what they need to effortlessly provide the best possible outcomes for their clients.
Joe Grace
Senior BDM for London & South East
Joe originally joined us in 2019 as a New Business Executive, meaning he has an in-depth knowledge of our operations & processes as well as the property sector. A natural people person, his ability to forge strong relationships makes him the perfect choice to support our brokers.
Criteria FAQs
Do you lend to expats on MUFBs?
Yes, but only on a small MUFB, subject to referral, at max 65% LTV and bespoke pricing.
Do you require the individual units to have separate services?
Generally, yes. However, we will consider units with partially separated services by referral.
What is your minimum unit size?
There is no minimum unit size. However, any unit under 28 sqm should be referred prior to submission.
Do you lend to first-time landlords?
Yes but we require at least one applicant to have a minimum of 12 months of current or previous letting experience for MUFB lending.
Do you lend on MUFB houses?
No, we can only lend where an MUFB is a block of flats.