What MT Finance does

MT Finance is a UK specialist property finance lender founded in 2008 and headquartered at The Broadgate Tower, London, operating under the holding company MT Finance Group Limited. The company operates five wholly-owned UK private limited subsidiaries (M T Finance Limited, MTF NE Limited, MTF (NH) Limited, MTF (LE) Limited, and MTF (ZE) Limited) that house its lending programmes, with FCA-authorised lending conducted through MTF (NH) Limited (FRN 925115). Its geographic footprint is restricted to England and Wales — Scotland and Northern Ireland are explicitly excluded.

The company offers three core lending products: (1) Bridging Loans, short-term 1–24 month secured lending (regulated up to 12 months, unregulated up to 24 months) against residential, commercial, and semi-commercial property, with LTVs up to 70% and interest rates from 0.85% per month, used for auction finance, chain-break prevention, equity release, and refurbishment; (2) Buy-to-Let Mortgages covering standard residential, HMOs (up to 10 beds), MUFBs, and semi-commercial properties, with up to 80% LTV, ICR stress testing from 125%, and support for individuals and limited companies/SPVs; (3) Commercial Mortgages split into Standard (offices, retail, industrial, healthcare) and Specialist (leisure, education, energy, sports venues, utilities) categories with loan sizes £100,000–£2,500,000 and fixed rates from 7.99%. Supporting infrastructure includes an Azure-hosted intermediary portal (oms-mt-finance.azurewebsites.net), automated valuation model (AVM) capability for standard residential bridges, Onfido biometric KYC, Equifax credit checks, and a bridging eligibility calculator.

MT Finance distributes exclusively through intermediaries — mortgage brokers, IFAs, and specialist finance packagers — supported by a regional BDM network, a 'Become an Introducer' programme, and a portal-driven case submission workflow. Revenue is generated from loan interest on the active book (the dominant stream), supplemented by arrangement fees (~2% on bridging), application fees (£185 BTL / £250 commercial), valuation and legal fees. Pricing is transaction-based/quote-driven, with no exit fees or early repayment charges on bridging loans after the minimum one-month term, and same-day broker commission on completion. The company is privately held, does not publish financial statements, and has been recognised across multiple industry awards including BTL Lender of the Year (2023, 2025), Bridging Lender of the Year (2021, 2022, 2025), and Business Moneyfacts Awards (2022, 2024, 2025).

Name

MT Finance

Legal name

M T Finance Limited

Website

https://mt-finance.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

MT Finance is a UK specialist property finance lender (founded 2008, London) offering bridging loans, buy-to-let mortgages, and commercial mortgages exclusively through an intermediary broker channel, with FCA authorisation and operations confined to England and Wales.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Bridging Loan Interest: Short-term loans (1-24 months) secured against property. Interest rates typically start from 0.85% per month. Includes regulated bridging (FCA-authorised) and unregulated bridging products for residential, commercial, and semi-commercial properties.
2. Buy-to-Let Mortgage Interest: Long-term BTL mortgages with ICR stress testing from 125%. Supports standard residential, HMOs (up to 10 beds), MUFBs, and semi-commercial properties. Available for individuals and limited companies including SPVs.
3. Commercial Mortgage Interest: Commercial and semi-commercial mortgages from £100,000 to £2,500,000 with terms from 5-30 years. Fixed rates from 7.99% for standard commercial and 8.29% for specialist commercial. ICR stress testing at 125%.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

MT Finance is a UK specialist property finance lender providing short-term bridging loans, buy-to-let mortgages, and commercial and semi-commercial mortgages secured against residential, commercial and mixed-use property. The company lends exclusively through mortgage brokers, IFAs and specialist finance packagers, with distribution supported by a regional Business Development Manager (BDM) network, an Azure-hosted intermediary portal, eligibility calculators, and dedicated underwriting teams operating under FCA-authorised subsidiary MTF (NH) Limited.

Product overview

MT Finance is a specialist property finance lender offering three core products: Bridging Loans, Buy-to-Let Mortgages, and Commercial Mortgages. The bridging loan product includes regulated (FCA-authorized) and unregulated options with first and second charge availability, supporting uses such as auction finance, chain break prevention, equity release, and refurbishment funding. The BTL product encompasses standard residential properties, HMOs, MUFBs, and semi-commercial properties, with recent additions of a Tier 2 product for adverse credit profiles. Commercial mortgages are divided into standard (offices, retail, industrial, healthcare) and specialist (leisure, education, energy) categories. The offering is supported by an intermediary portal for brokers to manage pipelines and eligibility calculators for quick quotes.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Loans
• Buy-to-Let Mortgages
• Commercial Mortgages
• Regulated Bridging Loans
• Specialist Commercial Mortgage
• Intermediary Portal

Quantifiable outcome

• Average bridging loan completion time of 43 days in 2025 (down from 58 days in 2023)
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Onfido Limited (An Entrust Company)coreTechnology or IntegrationOnfido provides biometric identity verification services, processing facial images and ID document authentication for MT Finance's customer onboarding process. Used for identity verification and fraud prevention in compliance with Money Laundering Regulations 2017. Biometric data is encrypted in transit and at rest.
• Bridging Trends Consortium (AFIG, Brightstar Financial, Capital B, Clever Lending, Clifton Private Finance, Complete FS, Enness, Impact Specialist Finance, LDNFinance, Optimum Elite, Sirius Finance, UK Property Finance)coreStrategic or Co-development PartnerMT Finance compiles and publishes the Bridging Trends industry data report in collaboration with specialist finance packagers. This consortium provides aggregate bridging loan completion data used for market intelligence and industry benchmarking.
• EquifaxcoreTechnology or IntegrationCredit reference agency used by MT Finance to check identity, verify data accuracy, assess creditworthiness, trace and recover debts, and prevent criminal activity and money laundering. Records details of applications and searches on customer credit history.
• Knowledge BankminorStrategic or Co-development PartnerProvider of broker criteria search data included in Bridging Trends reports, showing top search criteria trends from UK bridging finance brokers.

Scale indicators7 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Together Money: UK specialist lender offering bridging, BTL, and development finance with comparable product breadth and intermediary distribution. Closest direct competitor serving similar property investor and broker segments.
• Shawbrook Bank: UK specialist challenger bank with BTL, bridging, and commercial property products distributed via intermediaries. Comparable specialist property finance positioning with broader product suite and balance sheet scale.
• Paragon Bank: Specialist BTL and bridging lender with strong intermediary relationships and similar product set. Established UK specialist lender competing in the same intermediary-led channel.
• United Trust Bank: UK specialist bank with bridging and BTL products distributed through intermediaries. Comparable specialist property finance focus and intermediary-led distribution model.
• Foundation Home Loans: Specialist BTL and bridging lender targeting the intermediary channel with similar focus on complex borrower scenarios and limited company/SPV lending structures.
• Pepper Money: Specialist UK mortgage lender focused on complex borrower profiles including adverse credit. Comparable specialist positioning focused on cases declined by mainstream lenders.
• Hodge Bank: Welsh specialist bank offering specialist mortgages and bridging products. Similar specialist property finance provider with comparable product suite targeting the intermediary channel.
• Landbay: BTL specialist lender using institutional capital to serve professional landlords. Comparable BTL specialist with intermediary distribution focus and SPV-friendly underwriting.

Broad incumbents

• Atom Bank: UK digital challenger bank with residential and BTL mortgage products. Broader incumbent with a wider product portfolio that includes specialist property finance as one of several lines.
• Metro Bank: UK challenger bank with commercial and residential mortgage offerings. Broader incumbent with specialist property finance capability as part of wider retail and commercial banking services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/MTFinance
• Facebookfacebook.com/mtfinanceuk
• LinkedInlinkedin.com/company/mt-finance
• Instagraminstagram.com/mtfinanceuk
• Xx.com/mtfinance

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries4 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MT Finance