3mc

What 3mc does

3mc (U.K.) Limited is a privately held UK specialist mortgage packager and distributor founded in 1996 and headquartered in Altrincham, Cheshire. The company serves UK mortgage intermediaries by providing access to a broad panel of 80+ lenders, including 50+ packager-exclusive products and criteria tiers not available through direct lender applications. 3mc packages and submits broker cases on their behalf, with on-site lender underwriters at the Altrincham head office supporting complex residential, buy-to-let (BTL), bridging, and commercial cases.

The company's operating model combines four interlocking offerings: a Packager Service for direct broker submission and case management; an Introducer Service paying 25% of gross revenue to referring brokers; the 3mcView broker portal providing 24/7 case tracking, enquiry submission, and DIP/AIP functionality (built on WordPress with PHP session management); and the 3mc Mortgage Academy training new advisers with a guaranteed job placement pathway sponsored by nine specialist lenders. Distribution runs through direct broker registration, five mortgage networks (Stonebridge, Sesame, The Right Mortgage Network, Homeloan Partnership, The Dragon Network), two mortgage clubs (PMS, The Mortgage Alliance), and the TMA Club packager panel added in 2023. FCA-authorised under reference 302992, with services restricted to UK residents.

Monetisation rests on packaging fees (£95 per first-charge residential/BTL submission, £495 per commercial/bridging) charged to the broker's client at full application, alongside procuration fees paid by lenders on completed cases. Of the gross procuration fee, 25% is shared with introducers under the Introducer Service. The model is fundamentally transaction-based and intermediated, with revenue scaled by case volume through the lender panel rather than per-seat or subscription economics. 3mc celebrated its 30th anniversary and is described as 'award-winning', with Director Doug Hall serving as a recognised industry voice across events and the @3mcmortgagedesk YouTube and multi-channel social presence.

Name

3mc

Legal name

3mc (U.K.) Limited

Website

https://3-mc.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

3mc is a UK specialist mortgage packager and distributor founded in 1996, providing UK mortgage brokers with access to 80+ lenders, 50+ exclusive products, and 24/7 case tracking via its 3mcView portal across residential, BTL, bridging, and commercial lending.

Ownership category

akta.pro rank

Headquarters

HQ city

Altrincham

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, Others

Revenue model

1. Packaging Fees: 3mc charges a packaging fee to the broker's client at full application submission. £95 for first charge Residential and Buy to Let business. £495 for Commercial and Bridging cases.
2. Procuration Fees from Lenders: 3mc earns a procuration fee (commission) from lenders on completed mortgage cases. The gross proc fee is shared with brokers, with 25% paid to introducers under the Introducer Service model.
3. Introducer Service Revenue Share: Under the Introducer Service, brokers refer clients to 3mc and receive 25% of all revenue earned at completion (including the 3mc broker fee). The client remains with the introducer for future mortgages and repeat business.
4. 3mcView Portal & Broker Registration: Brokers register on the 3mcView portal to access lender panels, submit enquiries, track cases, and access exclusive packager products.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels9 records

Core offering

3mc is a UK mortgage packager and distributor that sits between mortgage brokers and a panel of 80+ specialist lenders. The company packages and submits broker cases to lenders (including 50+ packager-exclusive products not available direct), supports Introducer Service referrals with 25% revenue share, and operates the proprietary 3mcView portal for 24/7 case tracking. It also runs the 3mc Mortgage Academy training programme for new advisers.

Product overview

3mc is a specialist mortgage packager, distributor, and broker serving UK mortgage intermediaries. The company operates as a unified platform offering multiple interconnected services: the core Packager Service provides brokers access to exclusive lender products and criteria not available direct; the Introducer Service enables fee-sharing referrals; the 3mcView portal offers case management and lender access; and the Mortgage Academy provides training. Product portfolio spans residential mortgages, buy-to-let (BTL), bridging finance, and commercial mortgages, with exclusive and semi-exclusive products from specialist lenders. 3mc has established panel relationships with major mortgage networks (Stonebridge, Sesame, The Right Mortgage Network, Homeloan Partnership, The Dragon Network) and mortgage clubs (PMS, The Mortgage Alliance).

Differentiator

Problem solved

Functional benefit

Products and services

• 3mcView Broker Portal Proprietary broker portal providing 24/7 case tracking from enquiry through completion, enabling UK mortgage brokers to monitor case status, submit enquiries, and run DIP/AIP submissions to lenders across the specialist lending panel.
• Packager Service Core packager offering providing UK mortgage brokers with research across the entire 3mc lender panel, matching criteria, rate checks at formal offer stage, and packaging/submission of cases to specialist lenders, including 50+ packager-exclusive products not available direct.
• Introducer Service Referral service allowing brokers to refer clients to 3mc for full advice and recommendation; 3mc pays the introducer broker 25% of gross revenue earned at completion (including the 3mc broker fee) on initial and future mortgages, with no cross-sell obligation.
• 3mc Mortgage Academy Training programme to transform individuals into qualified mortgage advisers within 12 months, providing mentorship, weekly CPD sessions, practical case experience and a guaranteed job on completion. Sponsored by Family Building Society, Landbay, Paragon, Fleet Mortgages, ModaMortgages, InterBay, TML, Foundation and CHL Mortgages.
• Bridging Finance Short-term lending category covering regulated and unregulated bridging loans, second charge bridging and development exit finance, sourced through 3mc's specialist lender panel for brokers placing timing-driven cases.

Quantifiable outcome

• 50+ packager exclusive products available via 3mc not available direct from lenders
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

28 partnerships are on record, tiered core and flagship.

• TMA ClubcoreChannel Partner/ Reseller/ Distributor · 14 February 2023TMA Club added 3mc to its packager panel in February 2023, enabling TMA's directly authorised brokers to access 3mc's residential, BTL, bridging and commercial mortgage packages, broker portal, and on-site lender underwriters. TMA development director Lisa Martin stated the partnership supports brokers in navigating the changing product landscape.
• StonebridgecoreChannel Partner/ Reseller/ Distributor3mc is on panel with the Stonebridge mortgage network, enabling Stonebridge's directly authorised brokers to access 3mc's packager services and exclusive lender products.
• SesamecoreChannel Partner/ Reseller/ Distributor3mc is on panel with Sesame mortgage network, providing Sesame member brokers access to 3mc's specialist lender panel and packager exclusives.
• The Right Mortgage NetworkcoreChannel Partner/ Reseller/ Distributor3mc is on panel with The Right Mortgage Network, providing network members access to 3mc's packager services and lender exclusives.
• Homeloan PartnershipcoreChannel Partner/ Reseller/ Distributor3mc is on panel with Homeloan Partnership mortgage network, enabling member brokers to access 3mc's specialist lender panel.
• The Dragon NetworkcoreChannel Partner/ Reseller/ Distributor3mc is on panel with The Dragon Network, providing network brokers access to 3mc's packager and introducer services.
• PMS Mortgage ClubcoreChannel Partner/ Reseller/ Distributor3mc is on panel with PMS mortgage club, enabling PMS club members to access 3mc's lender panel and packager exclusives.
• The Mortgage AlliancecoreChannel Partner/ Reseller/ Distributor3mc is on panel with The Mortgage Alliance club, providing member brokers access to 3mc's specialist packager services.
• Family Building SocietyflagshipTechnology or IntegrationFamily Building Society (11th largest UK building society) offers semi-exclusive products through 3mc including residential interest only up to 80% LTV, BTL with no minimum income and no portfolio limits, and ExPat products. 3mc also has access to their limited company BTL and NRLA member exclusive products.
• Bluestone MortgagesflagshipTechnology or IntegrationBluestone Mortgages, a specialist lender acquired by Shawbrook Bank in 2023, provides complex credit mortgage products exclusively through the broker channel. 3mc offers packager exclusives including up to 4.5x LTI and free valuations through Bluestone.
• VIDA HomeloansflagshipTechnology or Integration3mc is a member of Vida's Premier Packager Club, providing access to Vida's packager exclusive tier for both residential and BTL products, including relaxed adverse credit criteria.
• Precise MortgagesflagshipTechnology or Integration3mc is a Precise Premier Panel member, accessing exclusive bridging rates across their regulated range and enhanced procuration fees. Products include standard, light and heavy refurb bridging from 0.50%pm.
• Foundation (formerly Foundation Home Loans)flagshipTechnology or IntegrationFoundation is a specialist lender with 290+ staff and 21 regional account managers. They offer residential mortgages for complex income/credit situations and BTL products including HMOs and multi-unit blocks, with semi-exclusive products available via 3mc.
• Shawbrook BankflagshipTechnology or Integration3mc is a Strategic Partner of Shawbrook Bank, recognised for high quality service and completions. Shawbrook offers specialist and complex BTL up to £2.5m, semi-commercial and commercial investment products, with 72-hour turnaround.
• InterBay (OSB Group)flagshipTechnology or Integration3mc is a Select panel member of InterBay, accessing exclusive commercial, semi-commercial, BTL and bridging products including reduced rates up to 0.32% cheaper, and enhanced proc fees under the 60/40 split bridging bonanza.
• United Trust BankflagshipTechnology or IntegrationUnited Trust Bank (UTB) provides residential up to 95% LTV, BTL, and bridging products through 3mc with semi-exclusive access including free valuations on residential purchases.
• Dudley Building SocietycoreTechnology or IntegrationDudley Building Society offers ExPat residential, BTL for first-time buyers from age 18, and flexible interest-only products through 3mc with extra 5% LTV available via packager exclusives.
• LandbaycoreTechnology or IntegrationLandbay, a 3mc Academy sponsor, offers 5-year fixed rates at payrate, AVM valuations, Ltd Company lending, day 1 refinance, and HMO/MUFB products with no size limits through 3mc.
• Fleet MortgagescoreTechnology or IntegrationFleet Mortgages, a 3mc Academy sponsor, provides specialist BTL products including 2-year and 5-year fixed rates, HMO/MUFB products, with reduced rates of up to 0.2% available through 3mc.
• ModaMortgagescoreTechnology or IntegrationModaMortgages, a 3mc Academy sponsor, offers specialist BTL products up to 80% LTV with reduced rates across limited-edition 2-year and 5-year fixed products, through 3mc's packager exclusives.
• Rely (OSB Group)coreTechnology or IntegrationRely, part of OSB Group, offers BTL products up to 80% LTV with no maximum loan size, 2-5 year fixed terms, £0 fees options, and free valuations. Available via 3mc as a new lender launch partnership.
• Allica BankcoreTechnology or IntegrationAllica Bank is a strategic partner of 3mc, offering bridging finance from £150,000 to £10 million, up to 75% LTV on residential properties, with enhanced procuration fees and semi-exclusives available.
• LendinvestcoreTechnology or IntegrationLendinvest is a strategic partner of 3mc providing bridging and BTL products with enhanced procuration fees and semi-exclusive products available through the Bridging Bonanza programme.
• Quantum MortgagescoreTechnology or IntegrationQuantum Mortgages is a Key Partner of 3mc, offering semi-exclusive rates up to 0.2% cheaper than available on sourcing platforms, including cashback remortgage products and day one remortgage options.
• The Mortgage Lender (TML)coreTechnology or IntegrationTML is a 3mc Academy sponsor and lender partner offering residential products up to 95% LTV and BTL products, with rate reductions of up to 0.15% across 2-year and 5-year fixed products available through 3mc.
• CHL MortgagescoreTechnology or IntegrationCHL Mortgages, a 3mc Academy sponsor, offers specialist short-term let products with limited-edition rates from 2.7%, HMO and MUFB products up to 80% LTV available through 3mc.
• Tandem BankcoreTechnology or IntegrationTandem Bank offers residential mortgage semi-exclusive products through 3mc, with content featured in 3mc newsletters about reading credit files and bank statements.
• Pepper MoneycoreTechnology or IntegrationPepper Money offers BTL and limited company BTL products with rates from 4.64%, first-time buyer First Homes scheme products, and semi-exclusive rates available through 3mc.

Scale indicators6 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Mortgage Intelligence (MI): Mortgage Intelligence is a UK mortgage network and packager offering brokers access to lender panels including specialist providers. Direct competitor in the intermediary distribution and packaging market, with similar panel breadth and fee-share economics.
• Squared (formerly The Buy to Let Business): Squared is a UK specialist mortgage packager focused heavily on buy-to-let, HMO, and complex landlord lending. Highly comparable to 3mc's BTL and specialist-packaging franchise, with similar fee structure and distribution through broker networks and clubs.
• Brightstar Financial: Brightstar is one of the largest specialist mortgage packagers and distributors in the UK, providing brokers access to a panel of specialist lenders across residential, BTL, bridging and commercial cases. Directly comparable to 3mc in business model, target customer (UK mortgage intermediaries), and exclusive-product value proposition.
• Connect for Intermediaries (Openwork): Connect for Intermediaries is a UK mortgage packaging and distribution business owned by Openwork, offering brokers access to a specialist lender panel and exclusive products. Comparable in business model, though typically more retail-network-tilted than 3mc.
• Premier Mortgage Services (PMS): PMS is a UK mortgage club and packager providing brokers with access to lender panels and exclusive products. Although 3mc sits on PMS's panel, PMS also operates its own packaging and distribution capability, making it a dual channel-partner and competitor.
• The Buy to Let Business / Squared: Rebranded to Squared, this specialist BTL packager offers brokers access to landlord-focused lenders with exclusive products — directly comparable to 3mc's BTL and HMO/MUFB packaging franchise.
• HL Partnership (Howden Mortgage Services): HL Partnership is a UK mortgage network and packager offering brokers access to panel lenders and exclusive products. Now part of Howden Group, it competes with 3mc across both network distribution and packaging services for specialist cases.
• TenetLime: TenetLime is a UK mortgage packager and distributor providing brokers with access to specialist lenders and exclusive products across residential, BTL, bridging and commercial cases. Direct competitor in the specialist-packaging space with similar packager-fee and procuration-fee economics.

Broad incumbents

• Stonebridge (Quilter Mortgage Solutions): Stonebridge is a major UK mortgage network (now part of Quilter) whose appointed representatives use 3mc as a panel packager. Stonebridge also offers its own packaging capability, making it both a distribution channel and a broader competitor in the intermediary market.

Others

• The Mortgage Alliance (TMA): TMA is a UK mortgage club for directly authorised brokers. While 3mc is on TMA's packager panel, TMA also curates lender relationships directly, making it an adjacent channel partner with overlapping reach into the UK intermediary market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks4 records

Key highlights7 records

Customer concentration

• Xx.com/3mcmortgagedesk
• YouTubeyoutube.com/@3mcmortgagedesk
• Facebookfacebook.com/3mcmortgages
• LinkedInlinkedin.com/company/3mc-uk-limited
• Instagraminstagram.com/3mcmortgages
• TikToktiktok.com/@3mc_mortgages

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 3mc