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023 8045 6999

023 8045 6999

MT Finance

About Us

Documents
Proc Fees
ProductGross Fee paid by lenderNet fee paid to regulated brokerNet Fee paid to non-regulated & client referral service
Bridging2.00%1.00%0.50%
Buy to Let0.85%0.50%0.25%

MT Finance is a multi-award-winning bridging finance lender based in the heart of London, which has been in operation since 2008. During this time, they have assisted numerous property investors, business owners and individuals with their finance requirements.

Their growth has been impressive and Complete FS are delighted to be one of very few distributors to be offering their new Buy To Let proposition to the intermediary market from July 2022.

So, Why consider MT Finance for BTL’s?

  • Affordability is so simple – 125% of the 5 year payrate
  • First Time Buyers & First Time Landlords accepted
  • Will lend to Trading Co’s & SPV’s
  • Flats need to be minimum 28 Sqm
  • Holiday Lets acceptable – need to assessed on standard AST
  • Ex Pats to 65% LTV
  • Semi-commercial accepted subject to the commercial element not exceeding 40% of total floor area. They will ignore the commercial rental income
  • Will consider Day 1 remortgage & Let-to-Buy
  • Will consider properties above/adjacent to commercial – £100k min value
  • Certain adverse acceptable on standard terms

Criteria Info

  • Loans from £25k to £2m
  • LTV: Standard & HMO to 80% LTV, MUFB to 75% LTV
  • Age of first Applicant 21 to 85, age of subsequent Applicant 18 to 95
  • £15k min income. A full 12 months employment or self-employed is required on first Applicant
  • Standard property value is £50k with max loan of 70% LTV. £75k value at 80% LTV
  • HMO’s & MUFB’s require at least 12 months property investment experience

And why use MT Finance for Bridging?

  • Average completion time 11 days
  • Loans from £50k – £10m
  • 1st charge rates from 0.65% up to 24 months
  • 2nd charge rates from 0.89% up to 24 months
  • Up to 70% LTV on OMV
  • Residential / commercial / HMOs / mixed use assets
  • Adverse credit, CCJs & arrears considered
  • No up-front fees / no exit fees / no ERCs
  • No personal guarantees required

Our specialities:

  • Auction finance
  • Mortgage delays
  • Finance for business
  • Purchase at undervalue
  • Adverse credit
  • Renovation works
  • Chain breakers
  • Gift deposits
  • Short leases
  • Discharging LPA Receivers
  • Accept traditional guarantors, assessing them for affordability in the same way as the borrowers themselves
  • Joint borrower, sole owner arrangements
  • Semi-commercial, mixed-use properties which are a maximum of 60 per cent commercial
  • Joint borrower, sole owner arrangements
  • Need help? Call our team now on 023 8045 6999
Complete stars
For Intermediaries Only

Complete FS Limited is Registered in England & Wales with Company No. 8163434. Registered Office at Fleming Court, Leigh Road, Eastleigh, Hants, SO50 9PD.

Complete FS Limited is authorised and regulated by the Financial Conduct Authority FCA Register Number: 738129 Please note we are a Packager and Broker, not a lender. We work with an unrestricted number of lenders to find a potentially suitable arrangement for consideration.

Complete FS Limited will receive commission from lenders. Different lenders pay different amounts depending on different models. For transparency we work with the following commission model: percentage of the amount you borrow and rate for risk. Further details of the commission model, calculation and amount will be disclosed during the customer journey.

The FCA does not regulate most Buy to Let mortgages.

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Completing loans since 1993
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Please note

Our phone lines will be closed on Thursday 1st May until 10.30am for staff training.

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