3mc is an award winning specialist mortgage desk for mortgage intermediaries and a packager of Residential, Buy to Let, Commercial and Bridging mortgages.
2017 is 3mc’s 21st year of trading within the business to business sector. During 2016 3mc processed £2.1 Billion of enquires and completed on over £400 Million. 3mc deals with lenders on a volume basis that intermediaries would not normally deal with on a regular basis utilising their knowledge and skills assisting intermediaries from enquiry through to completion.
When dealing with 3mc you gain access to lenders with restricted access along with access to 3mc exclusives. The customer remains the customer of the intermediary and the intermediary is the customer of 3mc. The intermediary receives the market procuration fee as the lender pays 3mc a gross packaging fee which includes the intermediary’s market procuration fee.
3mc prides itself on its independent status working with directly authorised intermediaries and appointed representatives of all partner networks. The 3mc mortgage desk has a wealth of experience assisting mortgage intermediaries in the placement of their cases across their entire specialist panel of lenders.
An award-winning bank, with a range of residential mortgages designed for first time buyers, and homeowners looking to move or remortgage.
We also specialise in buy-to-let mortgages for landlords or limited companies, with portfolios of all shapes and sizes. For SMEs we provide commercial owner occupied and investment mortgages - and property development finance. We help those who can afford a mortgage but may not fit the one-size-fits-all approach of other lenders. It’s why we don’t just rely on machines, we use real people to underwrite applications. Say hello to the bank that treats each customer as an individual, not a number.
Alternative Bridging Corporation
Established 25 years ago, Alternative Bridging Corporation is a principal lender offering commercial loans for purchase, refinance, capital release and improvement of commercial property; short-term residential loans for homeowners, the property industry and business community and development loans for residential and commercial projects. It provide loans from £250,000 up to £20m with terms from one month to thirty-six months.
Free of the legacies which hinder conventional lenders, our sophisticated and flexible approach delivers innovative, bespoke solutions to meet a broad range of customer needs. We write first and second charge loans, with interest serviced or rolled up - or a mixture of both.
Our products are available to buy to let investors, entrepreneurs and high net worth individuals including expats and foreign nationals. We lend to corporate borrowers including SPVs, trusts and trading companies.We have the risk appetite to do interesting things and the expertise to ask the right questions. If it makes sense, we’ll find a way.
Complete, based in Southampton, started in September 1993 and since that time the company has established itself as a leading mortgage packager and distributor. We offer competitive products and services to a growing numbers of intermediaries. The business transacts with a selected panel of lenders offering a wide range of products including complex prime, adverse, buy to let and commercial mortgages as well as secured loans and bridging finance. Among the facilities offered to our intermediaries are a dedicated enquiry team, personal underwriters, online DIP’s and 24/7 case tracking.
We are committed to delivering and processing competitive mortgage, secured loans bridging and commercial loan products from our lender panel for distribution to the entire intermediary sector. We are also committed to continue the growth of the “COMPLETE” brand by providing exceptional service excellence by delivering ongoing training to our employees and maintaining our commitment to the companies “CARE” values. In doing this we aim to sustain and reinforce our reputation as one of the country’s leading mortgage packagers and distributors.
Connect for Intermediaries
Connect for Intermediaries
Connect for Intermediaries has the expertise to support mortgage brokers across the country in all areas of buy-to-let, commercial, expat and specialist finance.
Our services include:
· A Mortgage Placement Help Desk – Aiding brokers with complex enquiries and helping them access a wide range of solutions in all areas of property finance including; Buy-to-let, Commercial, Development, Residential, Second Charge, Bridging and Expat Finance.
- Mortgage Packaging and Distribution - Giving brokers access to a comprehensive panel of lenders and exclusive products. Respecting the relationships you have built with your clients we aim to ensure you can offer the best solution to your client.
- A unique cost effective Buy-to-let and Commercial Mortgage Network with over 100 ARs currently benefiting from our expertise and services.
As our name suggests, intermediaries are at the heart of what we do and are central to our business. We recognise the importance of your clients and our aim is to provide them, and you, with a professional hassle free service.
Foundation Home Loans launched in February 2015 and has already become recognised and well-regarded in the buy-to let-sector.
The Foundation team is knowledgeable and experienced, with a unique perspective on the market which has enabled the lender to develop niche products such as its limited company offering.
Key product features include:
- Limited company and personal products available at the same rates
- Prime and light adverse borrower products
- First-time landlord products
- Fixed and tracker rates
- No minimum income requirement
- No minimum period of employment or self-employment
- No personal proof of income required
Kensington understands that life can be complicated and this can make it harder
for some people to secure a mortgage.
So all of its lending decisions are made by experienced underwriters who will
assess your application on its own merits and, if it fits the criteria, Kensington
will always try to lend.
Keystone Property Finance
Keystone is an intermediary only property finance lender offering a range of funding solutions for cases that do not fit the criteria of the mainstream lenders.
Keystone can help with:
- Limited company applicants
- First-time landlords & first-time buyers
- Clients with income derived solely from rent
- Adverse credit
– up to 4 secured arrears & 4 CCJs
- Remortgages within six months
- HMOs & multi-units
- Ex-LA houses & flats
New Street Mortgages
New Street uses clever analytics and systems to give intermediaries and
customers a modern mortgage experience with instant, predictable decisions
delivered online 24/7 – an innovative alternative to traditional mainstream
and specialist lenders.
It offers a range of buy-to-let and let-to-buy products through its distribution
partners that feature high LTVs and intelligent credit criteria.
Pepper Group is a market leading consumer finance business that has been operating in the specialist mortgage industry for over a decade.
Pepper Homeloans was launched in the UK in 2015, offering a range of flexible products for residential and buy to let mortgages. Through a collaborative process, we work with intermediaries to provide solutions for clients whose needs are less than straightforward. This includes those with blips on their credit rating and the recently self employed.
Conversations. Not credit scoring.
We take a sensible approach to underwriting. We look at your client’s situation, not their credit score. We are flexible and we assess each of your cases on their own merits and always look to find a solution to help you succeed. Yes, we rely on conversations rather than credit scoring.
Other highlights include:
- Residential loans up to 85% LTV
- Up to 80% LTV for Buy to Let
- Self employed – minimum 1 year's trading
- No maximum value for CCJs/Defaults
- Free legals on all remortgages
Shawbrook is a specialist lending and savings bank founded in 2011 to serve the needs of SMEs and individuals in the UK. At 31 December 2015 our total lending reached more than £3.3 billion and we have now raised more than £3.1 billion in deposits since our launch.
Our award-winning residential mortgages team aims to drive the industry forward through offering innovative products and delivering a service to our valued customers and intermediaries that is second-to-none.
As a group we’ve been working with brokers for over 40 years, taking a common sense approach to bridging finance, residential mortgages, secured loans, commercial and buy-to-let mortgages.
Our people are what makes us unique
Our expert team is part of one financial force with a £1.8 billion loan book. We’re proud to say it’s people, not computers, making our decisions. And we continue to go the extra mile, working with you on each individual case for many status profiles, income sources and property types.
We’re all about long term relationships
Understanding your business, your customers , and the markets you serve are all important in getting to know you. So you can expect direct access to a highly experienced relationship manager, whenever you need it.
Vida Homeloans is an intermediary-only specialist mortgage lender, currently offering Residential and Buy-to-Let mortgages via selected distribution partners. It is developing flexible, affordable and criteria-driven mortgage solutions via the intermediary market by focusing on customers who are currently underserved by mainstream UK lenders. The Vida Homeloans proposition has been developed with the intermediary in mind, incorporating in-depth feedback from brokers to create a mortgage origination platform that has been designed by intermediaries for intermediaries. Every mortgage application is reviewed on its own merits to ensure that underwriting is on a case-by-case basis, with the customer at the heart of every decision.