MT Finance is a specialist finance lender that began as a bridging lender and still offers a broad bridging range: residential, semi-commercial and commercial bridges, first and second charges, regulated bridging on a borrower's home, and heavy refurbishment loans. Its minimum loan is £50,000, and residential bridges go up to £10 million. Bridge & Build Finance is an independent broker and is not part of MT Finance, so we can compare its terms with other bridging lenders. You can read more on MT Finance's own website.
About MT Finance
MT Finance says it was founded in 2008 and describes itself as a specialist finance lender that has helped thousands of borrowers across the UK. It started out as a bridging lender and is based in London. It is a non-bank lender.
Alongside unregulated bridging for investors and businesses, MT Finance offers regulated bridging, which is a regulated mortgage contract for loans secured on a home the borrower or their family lives in. Its product guide is aimed at intermediaries, and it emphasises a dedicated underwriter and case manager on each application.
MT Finance is one of the lenders we compare for bridging loans, regulated bridging and second charge bridging.
What MT Finance funds
At the time of writing (October 2026), MT Finance's bridging product guide sets out these criteria:
| Product | Charge | Loan size | Maximum LTV | Term |
|---|---|---|---|---|
| Residential bridge | First or second | £50,000 to £10 million | 70% first charge, 65% second charge | 1 to 24 months |
| Semi-commercial bridge | First | £50,000 to £2.5 million | 70% | 1 to 24 months |
| Commercial bridge | First | £50,000 to £2.5 million | 70% on a 180-day value; 65% for nurseries and healthcare | 1 to 24 months |
| Heavy refurbishment | First | £50,000 to £500,000 | 65% day one, with up to 100% of build costs and a GDV limit | 1 to 24 months |
| Regulated bridge | First or second | £50,000 to £2.5 million | 70% first charge, 65% second charge | 1 to 12 months |
First charge bridges can be used for buy-to-let purchases, property purchases, capital raising, auctions and other time-restricted purchases, light and heavy refurbishment, below market value purchases, lease extensions, refinancing, rebridging and debt consolidation. Second charge bridges can fund an additional purchase or deposit, business purposes or refurbishment; a second charge on the borrower's main residence must be for business purposes unless it is arranged as a regulated loan.
Regulated bridges can be used for purchases, capital raising, refurbishment, auction purchases, gifted deposits and tax bills. On heavy refurbishment, build costs are released in stages as the property's value increases. Smaller, lower-LTV residential cases may use an automated valuation.
Who MT Finance suits (and who it may not)
MT Finance tends to suit:
- Investors and landlords needing a residential bridge from £50,000.
- Homeowners needing a regulated bridge, on a first or second charge.
- Borrowers who want to raise funds on a second charge without refinancing their mortgage.
- Buyers of semi-commercial or commercial property up to £2.5 million.
- Borrowers with CCJs or arrears, expats, non-EEA nationals and offshore companies.
- First-time landlords on regulated bridges.
It is a poorer fit for borrowers who need more than 70% LTV, commercial bridges above £2.5 million, larger heavy refurbishments above £500,000, and ground-up development.
What MT Finance looks at
MT Finance will typically look at:
- The property and its value; commercial property is assessed on a 180-day value.
- The exit: sale, refinance onto a term mortgage, or another repayment route.
- The borrower: age between 21 and 85, with companies, LLPs, expats and offshore companies accepted.
- Credit history: CCJs and arrears are accepted, and assessed case by case.
- For heavy refurbishment: the cost of works and the projected end value.
- For regulated bridges: affordability and suitability under FCA rules, with interest retained in the loan.
Pros and cons
Pros
- No early repayment or exit fees.
- Minimum loan of £50,000, and residential bridges up to £10 million.
- Regulated and unregulated bridging, on first and second charges.
- Accepts CCJs, arrears, expats and offshore companies.
- Heavy refurbishment with up to 100% of build costs.
- Flexible interest options on unregulated loans.
Cons
- Maximum LTV of 70%, lower than some bridging lenders.
- Commercial and semi-commercial bridges capped at £2.5 million.
- Heavy refurbishment capped at £500,000, with a conservative GDV limit.
- Higher pricing on smaller loans below £125,000.
- No development finance.
Going through a broker vs going direct
MT Finance's bridging guide is written for intermediaries, and regulated bridges in particular are usually arranged through an FCA-authorised adviser. Bridging costs vary on rate, facility and admin fees, interest treatment and exit charges, so a lender with no exit fees is not always the cheapest overall.
We search the market, present your case and approach suitable lenders, including MT Finance where it fits. It is free to enquire, and any broker fee is disclosed before you proceed. See our guide to regulated bridging loans.
Alternatives to MT Finance
- Glenhawk: regulated and unregulated bridging, second charges and refurbishment from £250,000.
- Together: a large specialist lender for bridging, regulated bridges and land.
- Affirmative Finance: bridging, regulated bridges and second charges from £10,000.
- StreamBank: bridging and refurbishment, including regulated cases.
- Precise Mortgages: regulated and unregulated bridging, including refurbishment.
Common questions
How much does MT Finance lend on a bridge?
MT Finance lends from £50,000 to £10 million on residential bridges, and up to £2.5 million on semi-commercial, commercial and regulated bridges.
Does MT Finance charge exit fees?
No. Its product guide says there are no early repayment or exit fees on its bridging loans.
Does MT Finance offer regulated bridging?
Yes. MT Finance offers regulated bridges on a first or second charge, from £50,000 to £2.5 million, over 1 to 12 months, with interest retained.
Does MT Finance accept adverse credit?
Its criteria say CCJs and arrears are accepted, along with expats, non-EEA nationals and offshore companies, subject to underwriting.
Does MT Finance fund heavy refurbishment?
Yes. It offers heavy refurbishment loans of £50,000 to £500,000, up to 65% LTV on day one, with up to 100% of build costs released in stages.
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.
