3mc is an award-winning specialist mortgage desk for mortgage intermediaries and a packager of Residential, Buy to Let, Commercial and Bridging mortgages.
2019 is 3mc’s 23rd year of trading within the business to business sector. During 2018 3mc processed over £2.3 Billion of specialist mortgage enquires. 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. In 2018 3mc launched a number of new service initiatives including the addition of lender onsite underwriters and a new broker support team to aide intermediaries.
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. In 2017 3mc launched a new introducer service for portfolio landlords where you can pass the client to 3mc and 3mc will take over the advice and recommendation process in return for a percentage of the gross commission received.
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.
Bluestone help a wide variety of customers including self-employed, contractors, and people who have experienced credit problems through genuine bumps in the road.
They pride themselves on offering quality mortgage products and delivering an excellent all round adviser service.
Castle Trust takes a commercial approach to delivering bespoke loans that meet a broad range of customer needs. It offers first and second charge mortgages, with the option to roll up some or all of the interest.
Its buy-to-let products provide flexible options for all types of landlords, including holiday lets, ex-pats and foreign investors.
The lender also offers bespoke second charge mortgages for high-net-worth individuals and business purpose loans.
Castle Trust has the risk appetite to do interesting things and the expertise to ask the right questions. If it makes sense, the lender will find a way.
Criteria Hub is an online criteria sourcing platform used today by over 3,000 UK based mortgage advisors. For advisors Criteria Hub is a groundbreaking technology that offers an online solution to the problem they often find themselves in of being in the seemingly endless cycle of checking lender policy pages, calling sales lines and BDMs in order to ask the questions they need answers to when placing cases.
In addition to offering an accurate and efficient service to advisers, the platform is also being used by Lenders to research and gain insight into the market, enabling them to design and fine-tune products to better meet the needs of consumers.
Crystal Specialist Finance
Crystal Specialist Finance is an award-winning Specialist Finance distributor, providing Commercial Finance, Bridging Loans, Second Charge Loans, Development Finance and Specialist Residential & Buy to Let Mortgages. Our goal is to provide simple solutions to even the most complex financial problems. Each and every enquiry is reviewed on its own merits and we work with you to find the very best product available for your clients. Our blend of speed, service and flexibility allows us to offer our brokers and their clients the best deal for their circumstances.
Dynamo has consistently led the way in providing a high-quality service coupled with expert knowledge since its launch in 2006. As a multi-award-winning, fin tech organisation rated 5 stars on Trustpilot, Dynamo has established itself as one of the finest mortgage brokers in the UK.
Our highly-trained consultants can arrange residential, buy to let, short-term or commercial mortgages, as well as tailor-made plans designed to fully protect our clients’ investments. We pride ourselves on always placing an individual with the best product specific to their personal circumstances and criteria.
For the last decade we have worked hard to build fantastic relationships within the industry and develop cutting-edge technology, all designed to speed up, simplify and streamline the mortgage application process. Dynamo is truly evolving as a next gen broker.
Foundation Home Loans
Foundation Home Loans is a specialist lender finding you solutions for cases, from complex buy to let right through to residential mainstream misses.
Our competitive buy-to-let products are designed for your landlord clients, from first-time landlords through to experienced landlords with large portfolios.
It includes products for individuals, limited companies and those mortgaging a HMO, multi-unit or short-term let.
Key product features include
- Up to 80% LTV
- Loans up to £1m (up to £1.5m on our large loans product)
- No limit to portfolio size, subject to maximum borrowing of £3m with us
- Cater for specialist properties such as HMOs, short term lets and Multi Unit Blocks
Our Residential range is designed for clients who just miss out on mainstream mortgages from the high street due to credit scores.
We may be able to help when clients fail a credit score due to:
- High spending on credit cards
- Being linked to someone with poor credit – even if they are historic links
- Regular movers or those not on the voter role
Landbay is a specialist buy-to-let lender providing tailored lending solutions for landlords operating across various sectors of the market. Our products include fixed and no ERC tracker rates, with some products being specifically designed for HMOs, MUFBs and expats.
Landbay’s team offer an in-depth knowledge of the buy-to-let mortgage industry, combined with an innovative, technology-enabled approach to lending, which equips them to take on complex cases. With a highly experienced underwriting team on board, who you can speak with directly, Landbay provides a transparent and rational approach to securing mortgage finance, with speed and flexibility at its core.
Metropolis Surveyors are a truly independent firm of surveyors with the ability to deliver an exemplary service nationally to our clients. We work with many High Street lenders and Panel Managers but have also spent many years championing the Second Charge and Specialist market, and are now widely accepted as the “go to” in this sector for delivery of service and quality. Backing this up is our robust Compliance and Audit team who work with our clients to ensure that all areas of risk are monitored and managed. Metropolis really is a business that you can trust.
With the markets only proven end-to-end process solution, Mortgage Brain offers a fully integrated product range of innovative systems. These include mortgage sourcing (first and second charge), conveyancing sourcing and case tracking, multi-lender mortgage submission, CRM with a Client Portal, plus APIs, data solutions, websites and lead generation tools, plus now criteria sourcing with the acquisition of Criteria Hub.
Reinvesting 40% of turnover annually into our product development creates regular enhancements to our solutions. Advancements in 2019 will include the delivery of Lendex, the next generation mortgage submission to a minimum of 9 Lenders and the start of the integration of criteria sourcing into our online and offline sourcing system; both enriching the adviser experience and providing greater efficiency.
OSB primarily targets underserved market sub-sectors that offer high growth potential and attractive risk-adjusted returns in which it can take a leading position and where it has established expertise, platforms and capabilities. These include private rented sector Buy-to-Let, commercial and semi-commercial mortgages, residential development finance, bespoke and specialist residential lending and secured funding lines. OSB originates organically through specialist brokers and independent financial advisers. It is differentiated through its use of high skilled, bespoke underwriting and unique low cost base.
OSB is predominantly funded by retail savings originated through the long established Kent Reliance name, which includes online and postal channels, as well as a network of branches in the South East of England.
The Kent Reliance, InterBay Commercial and Prestige Finance are trading brands within the OneSavings Bank plc Group.’
Pepper Money is an award-winning lender with an appetite for the interesting, offering residential and buy to let mortgages exclusively through intermediaries. It helps clients who are often underserved by the high street banks – the self-employed, those with credit blips, complex income, young credit history, or previous financial difficulties. To Pepper Money, it’s all interesting.
Precise Mortgages, the specialist lender you can bank on, delivers innovative residential, buy-to-let, bridging and second charge loans, available solely through a nationwide intermediary base. Its mission is to broaden the criteria for mortgage and loan approval to support homeowning aspirations and buy-to-let entrepreneurialism. Its award-winning, technology-driven underwriting and credit risk management processes mean Precise Mortgages can be more expansive in its mortgage and loan approvals – serving those underserved by mainstream lenders.
Life is complicated. Second charge mortgages don’t have to be.
Since we founded Shawbrook Bank in 2011, we’ve been building our business by supporting yours.
Our business is lending, and most of our lending is done through intermediaries. That’s particularly true in the mortgage market, where the majority of our products are available only through brokers like you. That’s why we go out of our way to support you with innovative products, together with a flexible, responsive, ‘can-do’ attitude.
Our approach at Shawbrook is to look at your customer’s individual circumstances and make decisions using a combination of human experience and technology. This personal way of assessing the application means we can often be more flexible and helpful than other lenders. So whatever your customer’s circumstances, get in touch and let’s see if we can help.
Rostrum is a PR agency specialising in financial and professional services. Our clients include Legal & General Mortgage Club, L&G Home Finance, LSL, Bluestone, Vida, Masthaven, Yolt and The Exeter, among others. Rostrum delivers creative, compelling PR and content campaigns which create brand value, drive awareness and generate measurable results. Services include PR, social media and content marketing for lenders, brokers, banks, insurers, law firms, intermediaries, estate agents, fintechs and advisory firms. Rostrum is a PR Week Top 100 agency based in Farringdon.
Vida Homeloans is the specialist mortgage lender for residential and buy to let customers who may not fit the criteria currently demanded by high street banks. Vida uses the latest technology to support and inform human decisions, helping intermediaries get specialist cases off their desks.
Vida’s criteria-driven lending proposition has made a positive impact on the market, with 10,000 intermediaries registered to do business and more than £1 billion in mortgage completions since launch.
Vida has also achieved three securitisations worth more than £1 billion and is proud to have received nine industry awards in 2018; ‘Mortgage Provider of the Year’ at Money Age Awards, ‘Specialist Lender of the Year’ in The Mortgage Awards, ‘Best Marketeer’ in the British Specialist Lending Awards, Commended in the Best Specialist Mortgage Provider in the Moneyfacts Awards, ‘BDM of the Year’ in the Specialist Finance Introducer Awards, ‘Specialist Lender of the Year’ in the SimplyBiz Mortgages Awards, Best Specialist Mortgage Lender and Contribution to the Mortgage Industry in the Credit Strategy Lending Awards and Highly Commended for Mortgage Product Innovation in the Mortgage Finance Gazette Awards.
Pete Gwilliam has worked closely for many years with intermediary lenders as a head-hunter representing their opportunities and proactively finding the best talent in the mortgage market. A deep knowledge of the sector, a strong belief in the need for integrity and transparency in the recruitment cycle, and a demonstrable track record of success means Pete is trusted to help both parties ensure their aspirations align.