MS Lending Group describes itself as a team of commercial, land and residential bridging specialists. Its range covers purchase and refinance bridging, auction finance, below market value purchases, capital raising, bridge-to-let, HMO and semi-commercial bridging, land with or without planning, and light refurbishment. Bridge & Build Finance is an independent broker and is not part of MS Lending Group, so we can compare its terms with other bridging lenders. You can read more on MS Lending Group's own website.
About MS Lending Group
MS Lending Group says its team has more than 30 years of experience and that it has funded more than £500m of loans across over 1,000 cases. Its registered office is in Manchester and its main office is in Wilmslow, Cheshire. It is not a bank, and its website does not say how its lending is funded, so we have not stated it.
The lender states that it is not authorised or regulated by the Financial Conduct Authority for its lending, and that its bridging on commercial and investment property is unregulated. It does not offer regulated bridging on a home the borrower or their family lives in. MS Lending Group says it has no set product range and looks at each case on its own merits.
MS Lending Group is one of the lenders we compare for bridging loans, land finance and light refurbishment cases.
What MS Lending Group funds
At the time of writing (October 2026), MS Lending Group's website lists the following types of bridging:
| Type | What it covers | Published limits |
|---|---|---|
| Residential bridging | Purchases, refinance, capital raising, auction and below market value purchases, bridge-to-let | No minimum loan size, up to £3m; terms up to 18 months |
| Commercial and semi-commercial bridging | Commercial, mixed-use and HMO property, including auction purchases and refinances | Case by case |
| Land bridging | Land with planning, and land without planning case by case | Up to £3m, no minimum; up to 50% of value with planning, against a 90-day forced sale value, and lower without planning |
| Light refurbishment | Cosmetic, non-structural works on residential property | Up to £1m; up to 85% of the lower of price or value, capped at 70% of the post-works value; up to 12 months |
On light refurbishment, its website allows works of up to 30% of the current value on smaller loans and 25% on larger ones, completed within six months, and the loan is for residential purchases with interest retained for up to 12 months. Eligible works include redecoration, new kitchens and bathrooms, flooring and windows. Structural changes, works needing planning and changes of use, including under permitted development, are not covered by this product.
Second charge bridging is also available, up to 65% of value on a residential investment property. Legal costs can be added to the loan, automated or desktop valuations are used on many cases, and borrowers who improve the EPC rating to C or better during the loan receive £1,000 on redemption. MS Lending Group does not describe a development finance product.
See our guide to auction finance.
Who MS Lending Group suits (and who it may not)
MS Lending Group tends to suit:
- Investors needing small bridges, as there is no minimum loan size.
- Auction and below market value buyers.
- Landlords carrying out a light refurbishment before letting or refinancing.
- Buyers of land, with or without planning.
- Commercial, semi-commercial and HMO investors.
It is not suitable for borrowers with heavy adverse credit, regulated bridging on your own home, ground-up development or heavy refurbishment. First-time investors may not qualify for its light refurbishment product, which asks for previous experience.
What MS Lending Group looks at
MS Lending Group carries out a credit search on application and says customers with heavy adverse credit will not be eligible. It will typically assess:
- The exit, which it treats as a key part of every case.
- The value of the security, using RICS surveyors, desktop or automated valuations depending on the case.
- For light refurbishment, a schedule of works and proof of funds for the works.
- For light refurbishment, experience: normally ownership of two or more buy-to-let properties, although other experience such as a building trade is considered.
- For land, the valuation and the feasibility of the planned project.
Fees are taken from the loan at the start.
Pros and cons
Pros
- No minimum loan size.
- Legal costs can be added to the loan.
- Light refurbishment up to 85% of the lower of price or value.
- Land with or without planning considered.
- Residential, commercial, semi-commercial and HMO bridging.
- Each case assessed on its merits.
Cons
- Heavy adverse credit not accepted.
- No regulated bridging or development finance.
- Limited published criteria on LTV and terms for most products.
- Experience needed for light refurbishment.
Going through a broker vs going direct
MS Lending Group works with intermediaries as well as direct borrowers. Because it publishes limited criteria, it helps to know how a case is likely to be viewed before applying, and bridging costs can differ between lenders on fees, interest treatment and valuation. We search the market, approach suitable lenders and compare the total cost of each offer.
It is free to enquire, and any broker fee is agreed with you before you proceed.
Alternatives to MS Lending Group
- JMT Finance: smaller bridging loans for investors.
- TFG Capital: bridging including second charges.
- Westwood Capital: residential and commercial bridging.
- Hope Capital: bridging and refurbishment loans from £50,000.
Common questions
Does MS Lending Group have a minimum loan size?
No. MS Lending Group says it has no minimum loan size.
Does MS Lending Group fund land without planning?
Yes. It considers land with or without planning, up to £3m, lending up to 50% of value on land with planning and less without it.
What LTV does MS Lending Group offer on light refurbishment?
At the time of writing, up to 85% of the lower of the purchase price or current value, capped at 70% of the post-works value, for loans up to £1m.
Will MS Lending Group lend with bad credit?
It carries out a credit search on application and says borrowers with heavy adverse credit will not be eligible.
Does MS Lending Group offer regulated bridging?
No. MS Lending Group says it is not authorised or regulated by the FCA for its lending, so it does not offer regulated bridging.
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.
