MT Finance
The UK's responsive, service-led bridging lender
MT Finance is a London-based specialist property finance lender founded in 2008. Its proposition — “where speed meets service” — is built around fast terms, direct communication and manual underwriting for time-sensitive property transactions.
It has a strong position in auction finance, residential bridging, commercial and semi-commercial bridging, light and heavy refurbishment, second-charge bridging, development finance and complex-case lending.
Where MT Finance sits
Auction & general bridging specialists
Core strength. High-velocity resi bridging
Typical use. Auctions, chain breaks
Strengths and weaknesses
Strengths
- Same-day indicative terms
- OIP within 2 business hours on packaged cases
- Strong auction proposition with pre-approved funds
- Manual underwriting and direct access to decision-makers
- Up to 70% LTV on eligible bridging
- Heavy refurb with staged build-cost funding
- Semi-commercial purchase up to 75% LTV
- No exit fees after month one
Weaknesses
- England and Wales only
- Minimum loan size typically £50,000
- Heavy refurb usually capped at 65% LTV
- Complex cases can become document-heavy
- Valuation and legal delays can still slow completion
- Not ideal for every very small or ultra-specialist case
When to use MT Finance
Best fit
Auction purchases. Needing fast terms and pre-approved funding.
First-time investors. With a credible exit strategy.
Light or heavy refurbishment. Projects needing staged funding.
Semi-commercial or mixed-use purchases. Up to 75% LTV on suitable deals.
Undervalue transactions. And complex borrower profiles.
Second-charge capital raises. And refinance exits.
Deals that may later move into development finance. A route through to development lending.
Not ideal for
Security outside England and Wales. MT Finance does not lend there.
Loan sizes below £50,000. Below the usual minimum.
Heavy refurb expecting 70% day-one LTV. Heavy refurb is capped at 65%.
Poorly packaged cases. Incomplete documents cause most of the friction.
Highly unusual or ultra-specialist security. Better served by a complex-case specialist.
Market positioning
MT Finance sits in the upper tier of UK bridging lenders for speed, service and flexibility. Its edge is not just pace — it is the blend of fast initial decisioning, strong broker communication, manual underwriting, auction readiness and refurbishment capability.
Against ultra-fast auction lenders it looks more service-led and structured. Against heavily commercial lenders it is more accessible for mainstream and first-time investors. Against niche refurb lenders it offers a broader all-round bridging proposition. Its closest comparison set includes Aspen Bridging, Glenhawk, MS Lending, Together, Avamore Capital, Hope Capital and Shawbrook.
Speed Index
See the full Speed Index.
Auction & general bridging
| Stage | Rating |
|---|---|
| DIP | ★★★★★ |
| Valuation | ★★★★ |
| Underwriting | ★★★★ |
| Legals | ★★★ |
| Drawdown | ★★★★ |
| Overall | ★★★★★ |
Appetite
See the full Appetite Matrix.
Auction & general bridging
| Resi | High |
| Commercial | Medium |
| Mixed-use | Medium |
| Heavy refurb | Medium |
| Structural | Low |
| Complex borrower | Medium |
| Title issues | Medium |
| Exit flexibility | High |
Risk flags
See the full Risk Flags matrix.
Auction & general bridging
| Valuation risk | Low |
| Underwriting risk | Low |
| Legal risk | Medium |
| Drawdown risk | Low |
| Appetite volatility risk | Low |
| Complexity sensitivity risk | Medium |
MT Finance — Frequently asked questions
Is MT Finance good for auction finance?
Yes. MT Finance is a strong auction lender for many cases because it offers pre-approved funds, fast indicative terms and a service-led underwriting approach.
How fast can MT Finance issue an OIP?
An Offer in Principle can be issued within 2 business hours once the required information is received.
How quickly can MT Finance complete?
Straightforward cases may complete in around 5–10 working days. More complex deals take longer if valuation, legal work or documentation slows down.
What is the maximum LTV with MT Finance?
Eligible bridging cases can go up to 70% LTV. Heavy refurbishment is generally available up to 65% LTV.
Does MT Finance lend on semi-commercial property?
Yes, with some purchase cases up to 75% LTV subject to deal quality and valuation.
Does MT Finance fund heavy refurbishment?
Yes. Heavy refurbishment loans are available from £50,000 to £500,000, up to 65% LTV, with up to 100% of build costs funded in staged drawdowns.
Does MT Finance lend to first-time investors?
Yes, if the property, structure and exit plan are credible.
Does MT Finance accept adverse credit?
Yes. Adverse credit is assessed individually rather than declined automatically, but the overall case still needs to make sense.
Does MT Finance use AVMs?
Yes, on suitable cases, typically up to 65% LTV.
Does MT Finance charge exit fees?
There are no exit fees after month one, subject to product terms.
Where does MT Finance lend?
England and Wales only.
What is the minimum loan size?
Generally £50,000.
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