3mc is an award-winning specialist mortgage desk for mortgage intermediaries and a packager of Residential, Buy to Let, Commercial and Bridging mortgages.
2018 is 3mc’s 22nd year of trading within the business to business sector. During 2017 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.
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.
Celebrating 27 years, remaining family owned, run and funded, AToM’s strategy has always been to offer All Types of Mortgages to all types of people.
AToM is a specialist mortgage packager / distributor and has made considerable investment creating the first free, intermediary friendly, Lender API, specialist CRM and compliant sourcing system. With access to 28 Specialist Lender application forms and documentation, pre-populated, using information already supplied, the system helps Brokers save time and keep track of their applications with AToM. AToM was the first packager to system integrate fully with Together Loans, Shawbrook Bank and Precise Mortgages.
Connect for Intermediaries
Intermediaries are at the heart of what Connect does. It recognises the importance of your clients and its aim is to provide you with a professional, hassle-free service.
Connect's placement helpdesk can help you access versatile mortgages products to suit everyone including buy to let, commercial, development, second charge, bridging, expat, foreign nationals and specialist residential.
Connect has three key services: a mortgage packaging service covering over 40 lenders, keeping you in control of the client advice and relationship and maximising your earnings; a client referral service which can help you with enquiries outside of your permitted advice or where you would like Connect to manage the client relationship for you: a specialist network, currently servicing over 100 ARs and offering brokers looking for regulation and compliance support, and the freedom to provide advice to their clients to over 110 lenders in the specialist and mainstream market.
Buy to Let Club
Buy to Let Club provides support to intermediaries for buy to let, residential, commercial and short-term mortgages. We offer an all-round service, a broad depth of knowledge and expertise further enhanced by the addition of on-site underwriters from a variety of lenders. Membership is free and we pride ourselves on delivering a personal level of service that is evidenced by our 5-star rating on Trustpilot. As well as exclusive products, members can benefit from our fee-free packaging service (including residential and adverse), a wide panel of lenders and enhanced procuration fees.
Distribution of specialist lending products at is best, driven by client outcome and broker journey. With a client centric service, transparent charging and remuneration at a true 50/50 split, the proposition keeps the broker and client at the fore. Clever are experienced in the most complex of scenarios across a vast breadth of lending solutions. Supporting intermediaries throughout the whole process and evolving with product development via our strong lending partnerships, Clever maximise client opportunities with perfect solutions.
- Development finance
- First charge
- Second Charge
Key service features
- Indicative terms in 1 hour
- 24hr turnaround on DIP’s
- Commission payments with 24hrs of completion
- True 50/50 split of commissions
- Expert support and advice
- Live case tracking
- Advice and recommendation or processing only
Fluent for Advisers
As the UK’s largest secured loan broker we also have an excellent reputation with our Lenders and we use this to create additional products in areas where we can see customers are being underserved.
We have dedicated ourselves to being an intermediary driven business from our very first day of trading, deciding that instead of going direct to the end customer, we would partner with intermediaries exclusively to become their secured loan partner of choice.
Foundation Home Loans
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
Established in 2011, Hope Capital consistently brings broad sector experience, robust funding lines and a reputation for an honest, transparent, common sense and flexible approach. We continue to work closely with ASTL, FIBA and NACFB to ensure we fulfil our commitment to the education of those with an appetite for growth in this vibrant market.
As a provider of short-term finance secured against property, our proposition is driven by our desire to provide fast, flexible solutions to clients who have short term funding needs and wish to partner with an experienced lender who is dedicated to improving the reputation of the sector through education, pro-active communication and greater collaboration, between all parties.
To achieve this, alongside our experienced internal team, we develop long lasting relationships with our experienced stakeholder partners who are vital to us if we are to generate repeat and referral business.
InterBay Commercial has been a specialist commercial mortgage lender since 2006, providing mortgages on commercial properties to operators and investors.
InterBay Commercial offer innovation, service and flexibility, providing tailored underwriting to meet borrowers’ needs.
InterBay Commercial employs in-house experts in commercial underwriting, real estate, loan operations, IT and finance to ensure that you enjoy a fast, efficient, and informed mortgage application experience.
All our lending is conducted through specialist commercial mortgage Key Partners.
In 2012, InterBay was acquired by OneSavings Bank plc and now enjoys the financial backing of the listed bank.
Landbay is a specialist buy-to-let lender providing tailored lending solutions for landlords, with products which include no ERC fixed, tracker rates and a range designed specifically for HMOs, new builds and first time landlords. Landbay’s team offer an in-depth knowledge of the 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 for brokers and advisers, with speed and flexibility at its core.
LendInvest is committed to providing fast, flexible specialist property finance to professional property investors, developers and portfolio landlords. With a broad range of bridging loans, development finance and Buy-to-Let mortgages, we combine our industry expertise with new technology to make obtaining finance easier for property professionals and to provide the best service to our intermediary partners.
Launched in 2008 to fill a critical gap in the short-term property finance market, today, we’re recognised as one of the UK’s leading specialist property finance lenders, lending across the country with dedicated teams in London, Northern England, the Midlands, the East of England and Scotland."
Mortgage Brain bring Advisers, Networks and Lenders a full range of truly innovative, latest generation solutions in first and second charge mortgage sourcing, a multi-lender mortgage submission platform, back office and compliance systems plus APIs, data solutions, conveyancing sourcing with case tracking, websites and lead generation offerings.
We reinvest 40% of our turnover each year into product development in addition to regular enhancements to support regulation & take advantage of technology innovation. We also provide comprehensive free training and support to enable all our 22,000 customers gain the best and most out of our systems.
Everything we do is with our customers in mind: to enable individuals and organisations to benefit from technological advancement and operate compliantly, effectively and efficiently.
Paragon has worked with intermediaries in the private rented sector for over 20 years. We have 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.
Proudly Different. Banking on great business relationships
At Shawbrook we take a different approach to business, and that includes the way we work with intermediaries. We offer a highly personalised service to your customers, where human experience counts for more than algorithms alone. And we provide flexible responsive products that are hard to find on the high street.
We rely on you for support – and offer our own support to your business in return.
Specialist lender Together has over 43 years’ experience in the specialist finance sector, working with a range of customers spanning homebuyers, investors, property professionals, landlords and small businesses, through its extensive network of intermediaries.
Together takes a common-sense approach to lending and looks beyond mainstream criteria, instead considering individual circumstances and reviewing client needs on a case-by-case basis.
When a case involves non-standard property, purchase type, income source or credit, or any combination of these, Together aims to find a solution.
Last year, Together lent a total of just under £1.2 billion, with a current loan book of over £2.37 billion, and has received a host of accolades for its products and services.
Vida Homeloans is the specialist first and second charge 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 7,000 intermediaries registered to do business and £400 million in mortgage completions. Vida has also achieved its first securitisation and is proud to have received three industry awards; ‘Best Lender for Partnership with Mortgage Club’ at Legal & General Mortgage Club 2017 Awards, Highly Commended in the ‘Innovation – Lenders’ category at the Mortgage Finance Gazette Awards 2018 and Best New Entrant (Lender) in the Mortgage Introducer Awards 2017.
Since the end of January 2018, Vida has been conducting a pilot in the second charge mortgage market, offering a range of residential and buy to let second charge mortgages through selected master brokers. This is part of a ‘test and learn’ phase in advance of a wider launch into the market through additional, carefully selected distributors.
Pete Gwilliam has worked closely for many years with intermediary lenders of different shapes and sizes as a head-hunter representing their opportunities and proactively finding the best talent in the mortgage market. A deep knowledge of the sector and a strong track record of success means Pete is trusted to help both parties ensure their aspirations align.