Market Financial Solutions (MFS) are a bespoke bridging loan and BTL mortgage lender. Specialising in complex cases in particular, MFS look for ways to lend, as opposed to finding reasons to say no.
MFS are an award winning lender, being recognised for their commitment to fantastic customer service – with a rating of ‘Excellent’ on TrustPilot. Since their founding in 2006, they have been at the forefront of the specialist industry, offering tailored solutions for a broad range of property investors and asset classes.
Products available include:
- Bridging from £100k – £50m, up to 75% LTV
- BTL Mortgages from £150k – £10m up to 75% LTV
- Residential, Semi-commercial and commercial Bridging loans
- Residential, Semi-commercial and Commercial BTL mortgages
At MFS, they have a range of tools at their disposal to help borrowers with complex investments, or unique circumstances. Specifically, they’re happy to hear from investors:
- With complicated ownership or business structures,
- Who may be an expat or overseas investor,
- Who may have adverse credit,
- Or who are facing unique affordability challenges.
On the latter, all of MFS’ BTL mortgages and bridging loans are underwritten from day one, meaning no fees are taken until they have assessed the case (subject to Valuation, AML and legals). Also, their innovative affordability model, coupled with secured institutional funding lines, enables them to lend more than the majority of other bespoke lenders.
What’s more, they’re able to utilise many tools in their underwriting to support their client’s affordability concerns. This includes top slicing up to 20% using surplus portfolio income or wealth from other sources for a BTL mortgage, offering multiple repayment options to suit the needs of the borrower, and providing a 12-month extension on its Bridge Fusion product for those who need it. All this can make MFS more comfortable with a borrower’s ability to cover funding, and allows investors to attain a larger loan day one as a result.
All their underwriters have extra flexibility to boost loan size even further where needed, subject to max LTV limits. Ultimately, MFS’ products are designed for the real financial landscape. Meaning those who may have adverse credit, missed payments, or CCJs to their name may still benefit from their products.