ProductGross Fee paid by lenderNet fee paid to regulated broker Net Fee paid to non-regulated & client referral service
Bridging Finance2.00%1.00%0.50%
Buy To Let 0.85% 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
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