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 in the business-to-business sector. During 2018 3mc processed over £2.5bn of specialist mortgage enquiries.
3mc deals with lenders on a volume basis that intermediaries would not regularly deal with, utilising its team’s knowledge and skills to help intermediaries from enquiry through to completion.
When dealing with 3mc you gain access to lenders with restricted access along with access to exclusives.
3mc prides itself on its independent status working with directly authorised intermediaries and appointed representatives of all partner networks.
Affirmative has been established since 2004 and is recognised as being a mainstay in the UK bridging, short-term and development finance markets.
Affirmative is authorised and regulated by the Financial Conduct Authority and offers both regulated and non-regulated finance options.
It has provided bridging and development loans that have helped property developers, property investors, self-build enthusiasts, financial intermediaries, and many other businesses and individuals when they needed it most.
Affirmative provides the finance and adds real value to the process.
Aldermore knows that, as an intermediary, you’ll have clients who need a more specialist approach, clients who don’t fit into the one-size-fits-all model of other lenders.
It recognises that some applicants have unique circumstances and need people to assess their mortgage application, not machines.
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.
Aldermore provides opportunities for a wide range of residential mortgage applicants including first-time buyers with low deposits, remortgagors looking to get a better deal, clients with less than perfect credit and borrowers aged 55 and over.
It’s also committed to helping our nation’s 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.
Beverley Building Society
Beverley Building Society recognises that each mortgage application is different and should be looked at on individual merit and affordability.
Whether it is for employed, self-employed or based on pension income, the society prides itself on assessing applications through sensible underwriting and a flexible approach to secured lending.
It currently specialises in lending in, and into, retirement, interest-only mortgage, self-build and it applies sensible income assessment criteria for the self-employed.
Bluestone helps a wide variety of customers including self-employed, contractors, and people who have experienced credit problems through genuine bumps in the road.
The business prides itself on offering quality mortgage products and delivering an excellent all-round adviser service.
Buckinghamshire Building Society
Buckinghamshire Building Society lends throughout England and Wales. Its wide range of mortgage products is aimed at helping customers with complex incomes, diverse circumstances or credit issues to purchase or remortgage their home.
All mortgage enquiries and applications received are individually assessed without being dependent upon a credit score but are subject to status and clear evidence of affordability.
Brokers can use the society’s online system to submit their applications for evaluation. The underwriting team will manually assess each case, taking the time to review each application using a common-sense approach and taking life circumstances into consideration.
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.
Clever Lending is a specialist distributor which provides lending solutions to suit a range of needs, including first and second charge, commercial, development finance, buy-to-let and regulated bridging lending solutions.
These are supported by a high-quality and technically advanced service which can be relied on at every stage of each case.
With a client-centric approach and a transparent charging structure with remuneration at a true 50/50 split, Clever’s proposition keeps the broker and client at the fore.
Clever understands the challenges brokers and clients may face in sourcing suitable finance and works closely with an extensive lender panel to provide solutions for almost any scenario.
Foundation Home Loans
Foundation Home Loans has a range of competitive buy-to-let products 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:
- Limited company and personal products available at the same rates
- Up to 80% LTV
- No minimum income
- No maximum age for limited company applicants
- No limit on how many other buy-to-let properties your client has with another lender
- Up to £3m lending with Foundation Home Loans
- Simple approach to portfolios with no business plans required
- No minimum period of employment or self-employment
- Up to eight bedrooms for HMOs and 10 Units for MUBs.
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.
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.
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 Companies
- HMOs - up to eight beds
- Portfolio landlords
- Multi-unit properties - up to 10 flats
- First-time landlords
- High-rise flats
- New-build properties
- Remortgages within six months
- Ex-Local Authority properties
- No minimum income required.
The Loughborough Building Society
The Loughborough for Intermediaries offers a product range designed to help your clients whether they are first-time buyers, movers, remortgagors, building their own home, investing in buy to let, seeking an interest-only mortgage in or into retirement, and those who need a 100% LTV solution. With no credit scoring, individual underwriting, a dedicated BDM and broker desk support for every broker, the focus is on helping you help your clients.
Magellan Homeloans was created on the principle of understanding those borrowers who need a flexible and personal approach because they don’t always meet the strict profile requirements demanded by High Street or credit scoring lenders. To this end, Magellan has developed a range of mortgages across the Residential and Buy to Let markets that meet these needs.
At Magellan, we understand that one size doesn’t fit all. We’re not into ticking boxes or using automated credit scoring to make our lending decisions. We use a bespoke approach to manual underwriting that is exactly that – adapted to each individual circumstance. This enables us to offer a simple process for straightforward cases while being able to get into the detail if the client’s profile requires it. We believe that makes for a fairer decision.
Magellan offers a range of mortgages across the credit spectrum, reflecting our expertise in finding individual, tailored solutions for:
• First time buyers,
• Recently self-employed Director’s,
• Employed applicants with complex income structures,
• Applicants looking to buy through a Help to Buy scheme,
• First-time, next time or professional landlords looking to fund their investment property, and
• Borrowers with impaired credit files.
For all your specialist borrower needs:
Help-to-buy & First-time buyers | New Builds | Self-employed | Contractors | Complex Incomes | Debt Consolidation | Credit score declines & Impaired credit | Modern & Complex Construction
Market Financial Solutions
Regardless of how complex their clients’ circumstances are, MFS ensure the application process is short and simple. MFS is a bespoke lender, their decisions are swift with no red tape – meaning they are able to secure bridging capital with minimum fuss.
With a diverse range of tailored and flexible options on offer, and a transparent approach to fees and interest rates, MFS is the first port of call for those needing fast, short term finance.
Our mission is to build a bank that challenges the conventions of traditional banking. We aim to take a broader view of customer lending criteria, giving you direct access to expert underwriters, flexible solutions, quickly and conveniently.
We received our banking licence in 2016 but we’re not new. Far from it. We’ve been providing class-leading, short term bridging options, and secured lending since 2004. Today we can offer you access to a full range of short term and long term products including First Charge Residential and Buy to let mortgages.
We use technology to enhance processes but everything we do is underpinned by a flexible, human approach because we know people make much better decisions than a computer can.
We’re looking forward to seeing you at the events so we can tell you more.
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
Life is complicated. Second charge mortgages don’t have to be.
Since Shawbrook Bank was founded in 2011, it has been building a business by supporting yours.
Most of its lending is done through intermediaries. That’s particularly true in the mortgage market, where the majority of products are available only through brokers like you. That’s why Shawbrook goes out of its way to support you with innovative products, together with a flexible, responsive, ‘can-do’ attitude.
The 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 it can often be more flexible and helpful than other lenders. So, whatever your customer’s circumstances, get in touch and let’s see if Shawbrook can help.
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.’
One of the UK’s largest mortgage clubs, PMS is committed to supporting ambitious firms to grow and evolve. We do this by designing our products and services to educate advisers on market trends, to provide exclusive mortgage products and services, as well as technology solutions, property valuation and legal support, protection, and more.
The Tipton & Coseley Building Society
The Tipton & Coseley Building Society was founded in 1901 and offers an innovative lifecycle of mortgage products for first-time buyers, home movers, self-build borrowers, buy-to-let landlords and the over-55s. It has a dedicated intermediary helpdesk and BDM team which is committed to providing flexible and tailored solutions to your clients. It now lends against second homes and holiday lets for Airbnb rentals as well as retirement properties.
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 & second charge mortgages and unsecured business loans - we work as an extension of your business, focussing on efficiency, communication, expertise and determination.
Our talented advisers work hard on ensuring Vantage Finance has excellent relationships with specialist lenders, and we pride ourselves on the bespoke service we provide for each and 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. 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.