MFS (Market Financial Solutions) launched in 2006, providing over 17 years’ industry experience. We lend on complex property and ownership structures across England and Wales delivering fast and flexible buy-to-let, bridging, commercial and semi-commercial term solutions.
… And when we say yes, we mean YES!
Meet our product ranges:
- Buy to Let mortgages
- Semi-commercial term loans
- Commercial term loans
- Bridge Fusion
- Bridging Finance – 1st and 2nd charge available
USPs across ALL our ranges:
- Boost maximum loan size with our market leading affordability tools
- Top slicing also available
- Expats, Foreign Nationals (even without UK footprint), trading limited companies, SPVs, offshore companies/trusts
- Adverse credit considered
Buy to Let Mortgages
£150k – £3m, maximum portfolio with MFS £10m (exceptions available)
- Lending up to 75% LTV
- Maximum 10-year term
- No stress testing of background portfolio or fixed rates less than 5 years!
- MUFBs to 30 units, unlimited HMOs, Holiday lets, flats above nuisance premises, ex-local flats including deck-access.
- Refurbishment BTL without the need for bridging
- FT Landlords and FTBs considered
- Share Purchase Agreements
Commercial & Semi-Commercial Term
£150k – £2m, maximum portfolio with MFS £10m (exceptions available)
- Lending up to 70% LTV
- First-time commercial landlords allowed
- Properties accepted: Purpose Built Student Accommodation (PBSA), unlimited HMOs/bedsits, Unlimited MUFBs, medical/dental practices, offices, etc
- Considered case by case: Nursing/care homes, hotels/B&Bs, restaurants, pubs, steel-framed warehouses, leisure clubs/gyms
Bridge Fusion
£100k – £20m (exceptions available)
- No ERCs after month 20
- Even greater flexibility when it comes to affordability
- Defer interest up to 2% for 2 years
- Roll interest for up to 6-12 months
- Ability to overpay 25% ERC free, from month 6
Bridging Loans
£100k – £50m (exceptions available)
- Up to 75% LTV (70% for second charge, semi/commercial)
- Cross charging available on one or multiple properties
- No hidden costs
- Specialists in complex circumstances
- Bankruptcy annulments acceptable
Products from MFS are available when using Dynamo for Intermediaries as your payment route.