JMT Finance is a small, privately funded lender that describes itself as a commercial property lender with a personal, traditional approach. At the time of writing (October 2026), its website shows bridging loans from £50,000 to £750,000 at up to 80% of market value, over terms of 6 to 18 months, with interest serviced monthly. Bridge & Build Finance is an independent broker and is not part of JMT Finance, so we can compare its terms with other bridging lenders. You can read more on JMT Finance's own website.
About JMT Finance
JMT Finance Limited is based in Otley, West Yorkshire. It describes itself as a privately owned and funded commercial property lender, and highlights its ability to offer up to 80% loan-to-value, which is higher than many bridging lenders allow.
JMT says it takes a more personal and traditional approach to loan applications, working with borrowers, brokers and lawyers. Its website says it does not use standard application forms and that its team has experience in business, property and finance. It does not state when the company was founded.
JMT Finance is one of the lenders we compare for bridging loans and commercial bridging.
What JMT Finance funds
JMT offers two products with the same loan range and leverage.
| Feature | Bridging loan | Interest-only term loan |
|---|---|---|
| Loan size | £50,000 to £750,000 | £50,000 to £750,000 |
| Maximum LTV | Up to 80% of market value | Up to 80% of market value |
| Term | 6 to 18 months | 36 months |
| Repayment | Interest serviced monthly, capital at the end | Interest only, capital at the end |
Its website refers to purchasing or refinancing commercial property, and it says it lends to first-time landlords and to SPVs. The bridging loan requires monthly interest payments rather than rolling interest up, so borrowers need income or cash to cover the payments during the term.
The term loan gives a medium-term option for borrowers who need longer than a bridge but are not ready for a conventional mortgage. JMT does not publish a development or refurbishment product.
Who JMT Finance suits (and who it may not)
JMT Finance tends to suit:
- Investors who want higher leverage, up to 80%, on a loan between £50,000 and £750,000.
- Borrowers buying or refinancing commercial or investment property.
- First-time landlords and SPVs, which JMT says it lends to.
- Borrowers who can comfortably pay interest monthly during the term.
- Those who prefer dealing with a small, privately funded lender.
It is less suited to borrowers who need interest rolled up or retained, to loans above £750,000, and to terms shorter than six months. It does not publish regulated, development or heavy refurbishment products, so homeowners needing a regulated bridge and developers will need other lenders.
What JMT Finance looks at
JMT says it takes a personal approach rather than relying on application forms, and its FAQ says it does not require independent valuations, with a site visit forming part of its process. Expect it to look at:
- The property, its market value and its condition, assessed through a site visit.
- Your ability to pay interest each month, since the bridge is serviced.
- The exit, such as sale or refinance onto a longer-term mortgage.
- The borrower's background and experience, including for first-time landlords.
Arrangement, site visit, security documentation and exit fees apply, so it is worth asking for a full breakdown of costs. JMT says it offers low or no early repayment charges.
Pros and cons
Pros
- Up to 80% of market value, higher than many bridging lenders.
- Privately owned and funded, with a personal approach.
- Lends to first-time landlords and SPVs.
- Medium-term interest-only loan available alongside the bridge.
- Low or no early repayment charges, it says.
Cons
- Interest must be paid monthly on the bridge.
- Maximum loan of £750,000.
- Minimum term of six months.
- Several fees, including an exit fee, so compare the total cost.
- No published regulated or development lending.
Going through a broker vs going direct
JMT accepts applications directly or through a broker. Comparing first matters because higher leverage usually comes with higher costs, and the full fee structure, minimum term and monthly payment requirement can change the picture. A lender offering slightly lower leverage with rolled-up interest may suit some cases better.
We search the market, set JMT alongside other suitable lenders and manage the application. It is free to enquire, and any broker fee is disclosed before you proceed.
Alternatives to JMT Finance
- Bridge Help: bridging on residential and commercial property in England and Wales.
- Hope Capital: investment, auction and refurbishment bridging.
- MT Finance: bridging across many property types.
- Black and White Bridging: short-term lending for residential and commercial property.
- Lowry Capital: a privately funded lender with loans from £25,001.
Common questions
How much can JMT Finance lend?
At the time of writing (October 2026), JMT Finance lends from £50,000 to £750,000 at up to 80% of market value.
What is the term on a JMT bridging loan?
JMT's bridging loans run for 6 to 18 months. It also offers a 36-month interest-only term loan.
Do I have to pay interest monthly with JMT?
Yes. JMT's bridging loan is serviced monthly on an interest-only basis, with the loan repaid at the end of the term.
Does JMT Finance lend to first-time landlords?
JMT says it lends to first-time landlords and to SPVs.
This review is our independent summary of the lender's publicly stated lending, checked in October 2026. Criteria change, so confirm the current position before relying on it. Bridge & Build Finance is an independent broker and is not part of any lender reviewed. Finance is subject to status, valuation and lender approval.
