3mc is an award-winning specialist mortgage desk for mortgage intermediaries and a packager/distributor of Residential, Buy to Let, Commercial and Bridging mortgages.
2020 has seen the launch of our new intermediary focussed CRM system, 3mcView. The new platform enables mortgage intermediaries to access 3mc panel lenders from one initial decision in principle with API links to various specialist lenders including documentation and application forms for 28 different lenders without the need to rekey any additional data. 3mcView provides intermediaries with the ability to source both 3mc exclusive criteria and products including documenting the research.
A new 3mc intermediary website has been launched to enhance the intermediary’s experience when dealing with 3mc, detailing both the 3mc packaged service and introducer service available to intermediaries. The website has been designed to compare 3mc’s product and criteria offering when dealing with the same lender direct including access to 11 different virtual lender onsite underwriters.
2020 is 3mc’s 24th year of trading within the business to business sector. During 2019 3mc processed over £2.2 Billion of specialist mortgage enquires. 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. The 3mc introducer service is 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 Mortgages prides itself on being able to offer residential and buy-to-let mortgage products to those who've encountered unforeseen financial issues.
It is a specialist mortgage lender that deals with adverse credit and complex cases. Its range of products has been designed for people that don't fit the traditional customer profile of high street banks.
Bluestone’s service is special too – the lender promises to treat customers as individuals and make decisions based on their circumstances, not their credit score.
It is committed to being a responsible lender and its team of highly experienced underwriters will take a holistic view of every customer’s profile to ensure it takes their individual circumstances into account.
Bluestone makes complex lending easy.
At Brightstar, we help brokers to grow their business by providing the knowledge and resources needed to diversify into new lending areas. In a market that’s more complex than ever, it’s hard to be both up-to-date and proficient on every type of lending - that’s where we come in.
Each lending area has an award-winning, dedicated team that each have focused expertise. Partnering with over 150 lenders, we can offer a range of exclusive products, enhanced SLAs and onsite underwriters.
Our purpose is to support every broker and IFA, so they never have to turn a client away.
If they want to keep ownership of the advice their client receives, they can choose to harness the knowledge of our team to research suitable solutions and manage the process with the lender.
If they would rather focus on other areas of their business, they could choose to refer a case to Brightstar to provide the advice in return for a share of the enhanced lender commission.*
*Exception of residential mortgages where we offer a traditional packaged service
Connect for Intermediaries
Connect have a large panel of over 155 lenders available to its Network members across the specialist areas of BTL, Commercial, Bridging, Development, Second Charges, Adverse and Later Life Residential, Equity Release, Business loans and Expat Finance in addition to mainstream products. This means we offer a large range of options to help with even the most complex cases.
For brokers who are not part of Connects Network, we offer two services. The first is a referral service for brokers who wish to refer their client to a specialist and benefit in a generous share of the income. The second is a fully packaging service to help brokers access the specialist knowledge and exclusive products from Connect, whilst still retaining their client relationship and full commission.
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.
Experts in delivering bespoke broker solutions, InterBay Commercial specialises in commercial, semi-commercial, buy to let and bridging.
It looks to say ‘yes’ to complex cases, using a wealth of knowledge and an experienced manual underwriting team to find the right solutions for you.
Underwriters work together with other in-house teams – including national BDMs, real estate and completions – to build long-lasting relationships with brokers.
OneSavings Bank plc and Charter Court Financial Services combined in 2019, joining Kent Reliance for Intermediaries, Precise Mortgages and InterBay Commercial as its trading brands in the specialist lending space.
Mortgage Brain is a mortgage technology expert that has developed market-leading software solutions for over 30 years. Its suite of products and services supports advisers with an end-to-end journey from sourcing to conveyancing. Annually reinvesting 40% of overheads into product development enables continual enhancement of its solutions and new product development that transforms the mortgage process for everyone. Mortgage Brain is proud to proactively support intermediary mortgage advisers, lenders, networks, and corporates.
In 2020 its innovations include integrating its criteria and product sourcing systems, the launch of an affordability sourcing solution (Affordability Hub), the development of the COVID-19 support hub, and an Autumn/Winter market launch of Lendex.
One Mortgage System
One Mortgage System (OMS) is more than a sourcing system. Features include: a CRM, audit trail, pre-population, DIPs, full two-way lender integration with a number of lenders.
The system allows document uploads, sourcing, KFIs, evidence of research, email and SMS updates, pre-underwriting, AVMs, credit searches and so much more to help save brokers hours of administration time.
The system has been developed by working alongside mortgage advisers and observing how they operate. This has resulted in a multi-award-winning system that, in only its first year, has amassed over 4,000 users.
Paragon is a specialist provider of buy-to-let mortgages, delivering lending solutions designed for professional landlords with more complex requirements.
These include lending to limited companies as well as private individuals, lending on more complex property including HMOs and multi-unit blocks, higher aggregate lending limits and the ability to accommodate more complex letting arrangements including local authority leases and corporate leases along with standard ASTs.
Paragon has worked with intermediaries in the private rented sector for over 20 years.
It has built a wealth of experience in meeting the needs of both portfolio and non-portfolio landlords, whether they’re individuals, limited companies or limited liability partnerships, looking for buy-to-let mortgages.
Pepper Money is an award-winning lender with an appetite to create better options for commonly overlooked mortgage customers, offering residential and buy-to-let mortgages exclusively through intermediaries.
It helps customers 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.
You’re better with Pepper.
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.
Customers are at the heart of Roma Finance and we provide property professionals and landlords with bridging loans, development finance and buy-to-let mortgages.
We offer first and second charge loans from £50k to £5m and have operated successfully in the specialist finance market for over ten years providing funding for projects such as renovations, change of use, property auction purchases and ground-up developments on residential investment, commercial and industrial properties throughout England, Scotland and Wales.
We look forward to working with you.
Rostrum is a PR agency specialising in financial and professional services. Our clients include Legal & General Mortgage Club, Coventry Building Society, IMLA, 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, influencer 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.
Saffron for Intermediaries
We are experts in specialist mortgages with a more flexible approach that’s based on people, not products. Our underwriters examine every application. They work harder, delve deeper and may even ask you a few more questions. Sure, this may take a little more time but it’s good news for you. Because we’re often able to say the one word your customers want to hear most: 'Yes'
TBMC is a specialist distributor in the buy-to-let and commercial mortgage markets and has developed unrivalled experience, skills and expertise in these sectors, benefiting intermediaries and their customers.
We have comprehensive knowledge of both the range of products available in the market and the underwriting approach taken by different lenders. We specialise in meeting the needs of property investment clients, helping to find the best financial products to suit their requirements.
We pride ourselves in being able to place even the most complex cases, providing solutions for all scenarios including HMOs, limited companies, holiday lets, expats, refurbishments, semi-commercial and more.
The Mortgage Lender
We’re an independent mortgage provider at the heart of what some people call the ‘specialist mortgage market’. Thing is, this isn’t really us. We prefer to describe what we do as ‘lifestyle lending’. Our whole reason for being is to provide mortgages to people with less than usual lifestyles. Nowadays, it’s perfectly normal to be freelance or self-employed, divorced or single. It’s called real life.
Be assured that real, friendly and accessible underwriters make decisions on all our cases, as this bit is too important to leave to computers and faceless process. It’s our flexible approach to our customers that truly sets us apart.
We understand that less than usual circumstances are often overlooked by the mainstream but at The Mortgage Lender, we love to lend. We’re not like some of the less flexible mortgage businesses. We don’t use credit score cascading and we always watch our rates.
Uinsure is a multi-award winning InsurTec that never stops innovating because we’re passionate about keeping insurance competitive and customers protected. We believe in delivering the greatest customer experience that's delivered through advanced technology, supporting 1,000s of advisers across the UK to confidently refer and advise general insurance products.
Vantage Finance is one of the UK’s leading master brokers, offering intermediaries and their customers a range of commercial finance solutions. With expertise in commercial mortgages, bridging finance, development loans, buy-to-let, residential first and second charge mortgages and unsecured business loans – it works as an extension of your business, focusing on efficiency, communication, expertise and determination.
Its advisers work hard on ensuring Vantage Finance has excellent relationships with specialist lenders, and it provides a bespoke service for every enquiry.
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, such as the self-employed, customers with multiple jobs, first-time buyers, expats and buy-to-let investors. Vida uses the latest financial technology to support and inform human underwriting decisions.
Vida’s criteria-driven lending proposition has made a positive impact on the mortgage market, with over 12,000 registered intermediaries, 7,500 customers and £1.6 billion in mortgage completions since launch in October 2016. Vida has also completed four securitisations worth £1.5 billion and has received 21 industry 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.
West One Loans
West One Loans is an industry leading provider of specialist lending and regulated residential mortgage products.
Since joining the Enra Group, we have transformed from a small privately funded bridging lender into a diverse, institutionally backed specialist mortgage lender that originates £1bn of loans per annum. Intermediaries and borrowers trust us because the certainty of finance, our speed and their access to decision makers.
Building on the foundations of our highly successful bridging finance service, we extended our product range in January 2017 to include Second Charge mortgages for both residential and Buy-to-Let borrowers. This portfolio of products coupled with our industry expertise leadership saw us become the UK's fastest-growing second charge lender.
In order to support our clients and drive the market forward, we launched our range of Buy-to-Let mortgages in January 2019 ensuring that we now have a full range of market-leading products for our brokers and partners.
We’ve got Buy-to-Let lending covered from A-to-Zephyr
Zephyr Homeloans is a dedicated buy-to-let lender, providing a range of mortgage products focused on meeting the needs of professional property investors as individuals or Limited Companies.
Our broad lending criteria could make us suitable for all your clients varying needs, with product options designed for HMOs (to 6 bedrooms), MUFBs (up to 6 units), New Builds and flats that are above/adjacent to commercial properties.
Plus, our current range of Standard and Specialist products (including MUFBs & HMOs) have Max Loan limits of £1.5m up to 70% LTV and £1m up to to 75% LTV. Our New Builds & Flats above Commercial products are available up to 75% LTV with a max loan size of £750k. We also offer no upfront application fees and some ZERO product options available.
See our website for full details of our products and criteria.