MT Finance Bridging Loan Rate Table
Indicative rates as of October 2026. All rates are per calendar month. MT Finance's headline rate of 0.44%/month is genuine and available to prime borrowers at sub-55% LTV. Your rate will depend on the specific security, term, LTV and borrower profile.
| Product / Security Type | LTV Band | Rate (per month) | Typical Use Case | Arrangement Fee | Max Term |
|---|---|---|---|---|---|
| Prime residential 1st charge | Up to 55% | from 0.44%Best | Low-LTV purchase, chain break, fast refinance | 2% | 24 months |
| Standard residential 1st charge | 55–70% | from 0.55% | Auction purchase, refurbishment, chain break | 2% | 24 months |
| Residential 1st charge | 70–75% | from 0.65% | Higher LTV purchase, equity release | 2% | 24 months |
| Commercial 1st charge | Up to 60% | from 0.65% | Commercial purchase, mixed-use, office refurb | 2% | 24 months |
| Adverse credit | Up to 70% | from 0.75% | CCJs, defaults, near-miss credit profile | 2% | 24 months |
| 2nd charge residential | Up to 70% CLTV | from 0.85% | Capital raise, development deposit funding | 2% | 24 months |
No minimum loan size - MT Finance will lend from £10,000. Maximum loan £25m. Rates correct October 2026.
How MT Finance Rates Compare to the Market
MT Finance lead the market on rate at low LTV. As LTV rises or complexity increases, the gap narrows - but their speed advantage and willingness to do auction and refurbishment deals without complex conditions remains a differentiator.
| Product / Scenario | MT Finance | Panel Average | Typical Competitor | MT Finance's Position |
|---|---|---|---|---|
| Prime resi 1st charge, sub-55% LTV | 0.44%/mo | 0.52%/mo | 0.48%/mo | Market-leading |
| Standard resi 1st charge, 55–70% LTV | 0.55%/mo | 0.55%/mo | 0.55%/mo | In line |
| Resi 1st charge, 70–75% LTV | 0.65%/mo | 0.68%/mo | 0.70%/mo | Competitive |
| Adverse credit | 0.75%/mo | 0.95%/mo | 1.00%/mo (where available) | Competitive |
| Auction / refurb, fast completion | 0.55–0.65%/mo | 0.60%/mo | 0.65%/mo + delay risk | Speed advantage |
Key Features of MT Finance Bridging Loans
MT Finance have built a strong reputation on competitive pricing, no minimum loan size and a fast, decisive lending process. Here is what sets them apart on the panel.
- Market-leading rate at low LTV: 0.44%/month on prime residential 1st charge up to 55% LTV is consistently one of the lowest rates available in the UK bridging market - a meaningful advantage on larger loans held for several months.
- No minimum loan size: MT Finance will lend from £10,000 with no lower limit. This opens access to smaller auction purchases, single permitted development units and modest renovation projects that most bridging lenders will not consider.
- Claimed 5-day completion: On clean cases with survey and legal in place, MT Finance's internal process targets completion in 5 working days. This makes them the first call for tight auction deadlines or transactions where a seller has a hard completion date.
- Light and heavy refurbishment: MT Finance offer specific refurbishment bridging products for both cosmetic works and structural conversion projects - suitable for investors transforming commercial premises to residential under permitted development, or undertaking substantial renovation ahead of a sale or refinance.
- Auction finance: MT Finance are experienced auction lenders. They understand the 28-day completion window and can work alongside auction houses and solicitors to meet the deadline, including on properties purchased with structural issues or sitting tenants.
- Adverse credit from 0.75%/month: For borrowers with a credit blip, MT Finance offer competitive adverse pricing - significantly below the 0.95%–1.10%/month that some competitors charge - with a case-by-case underwriting approach.
Is MT Finance Right for Your Deal?
MT Finance lead the market on price at low LTV and on speed. Their sweet spot is clean, prime residential bridging where rate is the primary driver - and auction or refurbishment purchases where completion pace matters.
Where MT Finance wins
- Prime residential at sub-55% LTV where achieving the lowest possible rate is the priority
- Auction purchases with a 28-day deadline - MT Finance's speed is a genuine advantage
- Light refurbishment (cosmetic works, kitchen/bathroom) where the borrower wants a clean deal at a good rate
- Heavy refurbishment and conversion - structural changes, commercial-to-residential PD
- Small loans from £10,000 that no other major bridging lender will consider
- Adverse credit borrowers where the credit history is explained and the security is strong
Where to look elsewhere
- Highly complex or adverse borrower profiles (Together or other specialist lenders have deeper adverse appetite)
- Non-standard property construction - MT Finance prefer standard construction; Together is the stronger option here
- Properties above commercial premises - not MT Finance's preferred security type
- Loans above £25m - consider the private bank or larger specialist panel
- Second charge above 70% CLTV - alternative lenders may offer more flexibility at higher combined LTV