MT Finance
North London principal lender covering bridging, refurb and a specialist BTL mortgage book. One of the higher-volume bridging desks in the UK with a long track record and a strong broker reputation. FCA-regulated for the regulated bridging and BTL lines.
Quick routing verdict
- Product: Bridging and BTL mortgages.
- Ticket band: £50k to £10m.
- Decision time: 3 to 10 business days.
- Pricing: From 0.75% per month.
- FCA-authorised.
At a glance
- Legal entity
- M T Finance Limited
- Companies House
- 06622832
- Founded
- 2008
- Product
- Bridging and BTL mortgages
- Ticket range
- £50k to £10m
- Decision time
- 3 to 10 business days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- Established 2008 track record across multiple property cycles.
- High-volume Trustpilot footprint, strong service scores.
- In-house BTL mortgage product alongside bridging.
- FCA-regulated for the regulated book.
When we route elsewhere
- Broker-distributed; direct intake limited.
- Per-month rate quoting; total cost varies with exit.
- Headline rate only available on lowest-LTV prime cases.
Best fit applicants
- Mainstream residential bridging
- BTL mortgages
- Broker-introduced cases
Where MT Finance is the wrong fit
- Self-serve consumer journey
- Ground-up development
- Highly bespoke commercial
If declined by MT Finance
If your application to MT Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our MT Finance decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate MT Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against MT Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.