MT Finance is a specialist bridging lender best known for combining genuine speed with a tolerant approach to adverse credit. It does not credit-score bridging applications, accepts CCJs and arrears, and averages around 11 working days from application to completion. It is one of the lenders Boxx Finance works with on bridging loans where credit history or timing is the main obstacle rather than the deal itself.
MT Finance at a glance
| MT Finance | |
|---|---|
| Loan size | £50,000 to £10 million |
| Security | First or second charge |
| Property | Residential, semi-commercial and commercial, including light and heavy refurbishment |
| Maximum LTV | 70% across property types |
| Rates from | 0.89% per month, first charge up to 60% LTV |
| Term | Up to 12 months regulated, up to 24 months unregulated |
| Credit | No credit scoring; CCJs and arrears considered; no personal guarantee |
| Speed | Around 11 working days on average |
What this means in practice
Where many lenders slow down or decline once a credit report shows historic arrears or a CCJ, MT Finance underwrites on the security and the exit strategy instead. Combined with no personal guarantee requirement, that makes it a realistic option for borrowers who have been turned away elsewhere on credit grounds alone, provided the property and the exit plan stack up.
How it works
MT Finance lends from £50,000 up to £10 million, secured by first or second charge, across residential, semi-commercial and commercial property. On refurbishment deals it funds 100% of the works costs upfront, rather than releasing them in stages as the work progresses, which removes a common source of cash flow pressure during a project.
Regulated bridging, secured on a home the borrower or a close family member will live in, runs to a 12-month term. Unregulated bridging runs up to 24 months. Rates start from 0.89% per month on a first charge loan at up to 60% LTV, and maximum LTV is capped at 70% across property types. That is lower than some market leaders, and it reflects a lender priced for speed and credit flexibility rather than for the lowest headline rate.
How a case with MT Finance typically runs
Because credit is not scored, the early conversation is about the property and the exit rather than the credit file. A case usually moves through indicative terms, a valuation, the legal work on title and the charge, and final underwriting sign-off before funds are released. MT Finance's average of around 11 working days reflects how quickly it moves through those stages on a well-prepared file.
The fee structure is worth noting at this point. Many of its unregulated bridging products carry no upfront fees, with costs paid on completion, and no exit fees or early repayment charges after the first month. For a borrower who needs to preserve cash through the transaction, that can matter as much as the rate.
How MT Finance compares with other lenders on the panel
Against Together, the other lender most often used for adverse credit, MT Finance is the faster option and removes credit scoring altogether, while Together assesses credit history and is the stronger fit for genuinely unusual property. The MT Finance vs Together comparison sets out where each wins.
Against lenders built for clean, standard cases, the trade-off is leverage and rate. LendInvest reaches 75% LTV on regulated residential, extending to 80% by request, and Octopus Real Estate prices from 0.45% per month regulated. A borrower with clean credit and no time pressure will often find better terms there. Against Shawbrook, which prefers cleaner profiles and is not built for rushed completions, MT Finance is the natural choice when the case is urgent or the credit is not clean.
Who it suits
MT Finance is a strong fit for auction purchases and chain breaks under time pressure, capital raising against property with a less-than-clean credit history, and foreign nationals or expats without a UK credit footprint. Its fee structure also suits borrowers who need to preserve cash rather than fund fees before completion. For time-critical auction purchases, how auction finance works within the 28-day window is worth reading alongside this.
Where it is not the strongest fit
MT Finance's maximum loan-to-value of 70% across residential, semi-commercial and commercial security sits below several other panel lenders, so a borrower needing maximum leverage on a clean-credit case may get a better rate and a higher LTV elsewhere. It is priced for speed and credit flexibility, not for being the cheapest headline rate on the market.
Questions worth asking before you apply
- Does the case need more than 70% LTV? If so, MT Finance is unlikely to be the right fit however good the rest of the case is.
- Is the product you are offered one of the no-upfront-fee options, and when would exit fees stop applying?
- Is the loan regulated or unregulated? That decides whether the term can run beyond 12 months.
- On a refurbishment, how will the upfront funding of works costs be structured for your project?
- Is the exit clearly evidenced? Credit is not scored, so the exit and the security carry more of the decision.
Summary
MT Finance earns its place on the panel for cases where credit history or timeline is the real obstacle, not for borrowers simply chasing the lowest possible rate. As with any lender, criteria and pricing move; the figures above are correct as of mid-2026 and should be confirmed with your broker before an application.
