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.
Aldermore knows that, as an intermediary, you’ll have clients who need a more specialist approach, clients who don’t fit the one-size-fits-all model of other lenders.
That’s why it uses a team of experienced manual underwriters who start with a can-do attitude, assessing your client’s application and individual circumstances. That’s just one of the ways it does things differently.
Aldermore provides opportunities for a wide range of residential mortgage applicants including first-time buyers with low deposits, remortgagors, clients with less than perfect credit and borrowers aged 55 and over.
It’s also committed to helping landlords; whether your client is big or small, individual or limited company, its range of buy-to-let mortgages is the perfect way to expand their portfolio.
BM Solutions is dedicated to supporting intermediaries with competitive products, forward-thinking technology and award-winning service.
We’re committed to supporting you and your clients through our experienced team of BDMs. Our award-winning 5-star service comes as standard but we don’t take things for granted. We’re continually refining our products and criteria to suit your needs, so that you have all you need to do business with BM Solutions.
Canada Life’s vision is to help build better futures and be a world-class financial services provider. Putting customers at the heart of everything it does and working in line with values of people, excellence, integrity and together.
Its award-winning retirement solutions have been designed to suit a wide range of needs, and offer industry-leading value, financial strength and exceptional service.
Canada Life’s home finance product range includes later life buy-to-let mortgages and lifetime mortgages, which offer flexibility and certainty, and can be tailored to suit your individual needs.
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.
Complete was formed in 1993. Since that time the company has established itself as a leading mortgage packager and distributor. It offers competitive products and services to a growing number of intermediaries and networks.
The business packages applications for a whole range of lenders which include prime, complex prime, specialist, buy-to-let products as well as secured loans, bridging finance and commercial loans.
Among the benefits offered to its introducers are:
- 26 years packaging experience and knowledge.
- Market leading panel of lenders with many exclusive products
- Lender on-site underwriters for Foundation Home Loans, Interbay, Kent Reliance, Landbay, Magellan & Vida Home Loans.
- 4 specialist lending depts: Residential, BTL, Bridging &Commercial and secured loans.
- Your own dedicated complete underwriter within each of our 4 specialist depts.
- Free sourcing system for mortgages, secured loans and bridging cases supported by 27tec
- Over 1000 products listed on Trigold and 27 tec
- Online DIP & Application process eliminating the need to rekey data.
- Live 24/7 case tracking.
- Responsible for help fund in excess of 5.5billion of specialist lending
But most of all a personable proposition designed to help intermediaries write more business.
Fleet Mortgages is a niche Buy-To-Let lender with specialist criteria for both professional and semi-professional landlords. Offering great products, with unique criteria for standard, Ltd Co, and those seeking finance for HMOs.
Foundation Home Loans is a specialist intermediary only lender, that provides Buy to Let and Residential mortgages for clients with more complex needs.
Buy To Let Overview
- 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
Hampshire Trust Bank
HTB are all about flexibility. They pride themselves on flexible criteria and bespoke product structuring. HTB understand that no two deals are the same, which is why they tailor their offering to suit your clients’ needs.
Their relationship-based approach underpins this offering and informs their strategy. As part of this, you’ll be assigned a regional business development manager to keep you updated with your proposition, a lending manager to construct your deal and a clear, pragmatic approach to underwriting from HTB’s team of experts. So, no matter what stage you are at, HTB are always at the end of the phone when you need them.
HTB’s innovative product range includes specialist BTL, HTBridging and semi-commercial properties. Their specialist product range is available for loans up to £15m and incudes holiday lets, ex-pats, foreign nationals, portfolio landlords and first-time landlords.
As one of the first lenders to offer specialist mortgages, Kensington has always been passionate about helping customers to own property.
Kensington believes that its approach to lending sets it apart. It combines data and insight, with a team of underwriters who see the person behind the application form enabling Kensington to offer mortgages to a broader range of people.
The lender has improved its buy-to-let product offer through higher LTVs (up to 85% LTV), launched Limited Company lending and top slicing, enhanced affordability on five-year fixed products, made its lending criteria more flexible, and improved its service.
Keystone Property Finance
Keystone is an intermediary only specialist buy to let lender offering a range of funding solutions for cases that do not fit the criteria of the mainstream lenders.
Keystone will accept:
- Individuals, LLPs, Trading & SPV Ltd Co's - HMOs - up to 8 beds
- Portfolio landlords - Multi-unit properties - up to 10 flats
- First-time landlords - High-rise flats
- Ex-pats - New build properties
- Remortgages within 6 months - Ex-Local Authority properties
- No minimum income required
Call: 0345 148 9086 to place a case
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.
LendInvest is committed to providing specialist property finance to professional property investors, portfolio landlords and developers. Offering a broad range of Buy-to-Let mortgages, bridging loans and development finance we combine our industry expertise with new technology to make obtaining finance easier for property professionals and to provide a best in class service to our intermediary partners.
Launched in 2008 to fill a critical gap in the property finance market, today, we’re recognised as one of the UK’s leading specialist property finance lenders.
NatWest Intermediary Solutions
NatWest’s dedicated intermediary mortgage business offers a range of residential and buy to-let mortgages for mortgage brokers to recommend to their customers including deals for the Help to Buy shared equity scheme. Service is its no.1 priority – that’s why NWIS has a team of over 50 field and phone BDMs covering the UK and a dedicated broker instant messaging service LiveTALK. Its service has been recognised by the industry, and was awarded a five-star rating at the Financial Adviser Service Awards 2018, as well as winning the Overall Best Lender for Service award.
Octane was the first lender in the UK to launch without any products, an approach it refers to as the ‘3rd generation’ of lending. This essentially means every enquiry it gets from an introducer is looked at on its own merits and priced according to its unique circumstances. The result is a highly bespoke loan structured according to the needs of the client. Crucially, Octane's in-depth knowledge of risk means a higher LTV loan can sometimes be priced more competitively than a lower LTV loan. And with Octane, a yes always means yes, providing all-important certainty of lending and rapid completions
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.’
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.
We’re Platform, part of The Co-operative Bank – the only UK high street bank to be guided by a customer-led Ethical Policy. We provide extensive knowledge and expertise across a wide range of competitive mortgage products, for Mainstream, Help to Buy and Buy to Let.
From expert support with a human touch, to a simple process that’s transparent and fair, we make a difference every step of the way.
We also have a passion for values, ethics, and doing the right thing.
That’s not just something we say – it lives in everything we do.
Specialist lender Together provides funding on residential, commercial and semi-commercial properties, as well as land and developments, working with all kinds of customers, from SMEs and LLPs to sole traders and the self-employed.
Whether it’s for a residential investment, a commercial acquisition or to release equity, Together can help customers to access the finance they need.
With 44 years’ experience, Together has firmly established itself as a leader in the specialist finance industry and in the full year to 30 June 2018, lent £138.3m per month, an increase of 40% year-on-year, growing their loan book to £3bn. Additionally, the group generated £121.7m underlying profit before tax.
Together has received a host of accolades for its products and services including; best short-term/bridging lender, best buy-to-let mortgage provider and finance company of the year. Together was ranked 34th in The Sunday Times Best 100 Companies to Work For in February 2018.
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 twelve industry awards in 2018.