MT Finance
A warehouse-funded bridging lender writing commercial bridges to £2.5m and residential-secured business bridges to £10m, underwritten without accounts or proof of income.
What they do
MT Finance funds its lending through facilities from Centerbridge, JP Morgan, Pimco and Triple Point, and lends only through intermediaries. Commercial bridging is priced at 0.95 to 1.05 per cent a month up to 70 per cent loan to value, and residential-secured non-regulated bridging at 0.89 to 0.99 per cent, with a two per cent facility fee. Underwriting is non-status: no accounts, trading history or income evidence is required, with lending sized on the property against a 180-day valuation. Borrowers deal with a named underwriter and case manager, and cases typically complete in two to four weeks.
Where they fit in a lower-mid-market raise
Non-status underwriting is the point. Where a company's accounts do not yet show what the business is worth, or where speed matters more than a full financial review, the property carries the credit and the conversation is short. Residential-secured business bridging to £10m makes it usable for a corporate borrower pledging residential assets to fund a premises purchase.
Where they are not the fit
Commercial security caps at £2.5m on a first charge, so most of a £3–15m requirement can only be funded against residential property. Regulated owner-occupier transactions are excluded, leverage on healthcare and nursery assets is tighter, and everything is priced monthly against a discounted valuation rather than open market value.
Published terms
- Pricing
- Monthly-rate bridging: commercial 0.95-1.05% pcm (to 70% loan to value first charge; 0.95% at 55% loan to value); residential first charge 0.89-0.99% pcm; loans below £125k min 1.05% pcm.
- Speed to terms
- Fast - company case studies completed in 'just under 3 weeks'; firm cites completion in ~2-4 weeks of applying. No formal offer published timetable published
- Sponsored or sponsorless
- Corporate/individual - lends to LTD companies, LLPs, expat/non-EEA and offshore companies as well as individuals; not a private-equity sponsor leveraged lender
- Where they lend
- UK; London HQ. BTL restricted to England & Wales
- How they decide
- Intermediary/broker-led; direct dialogue with a dedicated underwriter plus a case manager; non-status underwriting (no accounts, trading history or proof of income required)
- Personal guarantee
- Required on some facilities and not others: directors' guarantees on commercial mortgages above 50% loan to value, to first-time investors or on hospitality assets, and on buy-to-let; its bridging guide does not say
As published by the lender and last reviewed June 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
MT Finance lends through 2 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether MT Finance lends, but which of these would own it.
Commercial property bridging (1st charge)
- Facility
- £50k to £2.5m
- Security
- Fixed charge
- Funds
- Acquisition · Refinance
- Rules out
- Regulated owner-occupier transactions not eligible; Commercial cap £2.5m first charge only; Loan to value against 180-day valuation; Property security required (no cashflow/goodwill lending)
Residential-secured non-regulated bridging (business purposes)
- Facility
- £50k to £10m
- Security
- Fixed charge
- Funds
- Acquisition · Refinance
- Rules out
- Funds must be for non-regulated purposes; 2nd charge on main residence must be for business purposes only; Property security required
Limits that apply across the firm
Stated limits, taken from MT Finance’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- Max 65% loan to value nurseries/healthcare
How they sit against the category
- Its published ceiling is £10m; 54 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does MT Finance write?
Published facilities reach £10m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does MT Finance move?
Fast - company case studies completed in 'just under 3 weeks'; firm cites completion in ~2-4 weeks of applying. No formal offer published timetable published. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does MT Finance require a personal guarantee?
On some facilities and not others. MT Finance's criteria require directors' guarantees on commercial mortgages above 50% loan to value, to first-time investors or on hospitality assets, and on buy-to-let; its bridging guide publishes no position.
On the record
October 2024: completed £ 275m multi-year funding deal with funds affiliated with Centerbridge Partners, alongside existing JPMorgan, Pimco and Triple Point bridging facilities.
November 2023: MT Finance and Triple Point agreed a £ 30m corporate revolving credit facility.
2024: Triple Point Private Credit originated £ 40m corporate revolving credit facilities to support lending growth.
Sources: mt-finance.com
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.