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.
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 (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.
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.
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.
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.