How we work

Mortgage Packager

3mc are an award-winning mortgage packager, providing Brokers with access to both the Lender core range and Packager exclusive products and criteria. 

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Packager Lender product exclusives
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Lenders available via 3mc
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Broker registrations on 3mcView
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Information last updated: 10.07.24

3mc exclusives & semi-exclusives

Access alongside Lender core products

Lender Name via Lender via 3mc

Discharged Bankrupts considered after 3 years
Discharged Bankrupts considered after 1 year

IVA’s considered after 3 years
IVA’s can be current - cleared on completion

Right to Buy Range Sapphire Range not available direct
Right to Buy Sapphire Range available

No free valuation Deposit Unlock products
Free valuation for Deposit Unlock products

Ex – Pat Residential – Max 85% LTV
Ex – Pat Residential – Max 90% LTV

2 & 5 Yr. Fixed – Interest only
0.20% cheaper pay rate

Interest only – maximum 60% LTV
Interest only – maximum 80% LTV

Packager Exclusive Tier not available
Packager Exclusive Tier available

Up to 6 x LTI not available
Up to 6 x LTI available

No free valuation residential products
Free valuation residential products available
Lender Name via Lender via 3mc

Ex-Pat 5 Yr. Fixed rates. Not all countries available
Up to 0.30% cheaper + additional incentives. Plus, additional countries

Select Panel Benefits not available
Select Panel Benefits available

Packager Exclusive Tier not available
Packager Exclusive Tier available

Key Partner exclusive products not available
Key Partner exclusive products available

Large semi exclusive HMO/MUFB products not available
Large semi exclusive HMO/MUFB products available

Specialist BTL product available
Specialist BTL product not available

Introducer Service

Refer a client now and earn whenever they renew with 3mc

Our introducer service enables you to refer clients to 3mc safe in the knowledge that we will provide a fully advised recommendation process to your client. Your client stays your client throughout their time with 3mc so you earn on the initial and any future mortgage deals.

Stay ahead of the game

Receive updates and news every Wednesday about special offers or exclusive products.

 
 
 
*3mc for intermediaries only*

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What Our Clients Say

Testimonials

Andrew Forsey

Louise is my first point of call when I need assistance in mortgage placement or when I can pass it over to the direct arm. Apart from being exceptionally good at her job she is a lovely person too.

Jason Best

Excellent communication and service throughout the process and would recommend any mortgage brokers to use them for more complex cases. Top marks to Mollie in helping to get my case to completion.

Catherine Alexander

I had a very positive experience with 3mc and would highly recommend their service to other mortgage advisers. Communication on the case was excellent and the whole team were extremely helpful and professional. I would definitely use 3mc again.

Why do you use a Mortgage Packager?

Select a maximum of 3 options

Send us a message

Feel free to reach out if you would like to run a specialist client past us or have any general queries.

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Frequently Asked Questions

What packaging fees do you charge?

For first charge, Residential and Buy to Let we charge £95. For all other types of business including Commercial and Bridging we charge £495. The fee is only payable by your client at full application submission stage.

What procuration fees do we pay?

All procuration fees payable are detailed in the procuration fees section on our website. Click Here for full details. The procuration fees section details both the gross and net procuration fee received.

What is the Introducer Service?

The introducer service will enable you to refer clients to 3mc safe in the knowledge that 3mc will provide a fully advised and recommendation process to your client and that you will receive a percentage of the gross revenue received at completion.

There is a no cross-sell agreement in place for any other products apart from the mortgage. If the client approaches 3mc for further mortgages or at the end of the product period, the client remains that of the Introducer and the Introducer receives the same commercial terms for repeat business.

The extended service includes Residential, Bridging, Commercial, Buy to Let and portfolio Buy to Let referrals.

What is the commission payable for the Introducer Service?

3mc will pay 25% gross of the overall revenue earned at completion. If the client approaches 3mc for further mortgages or at the end of the product period, the client remains that of the Introducer and the Introducer receives the same commercial terms for repeat business.

What is the Packaging Service?

The packaging service enables a Mortgage Adviser to access the entire 3mc lender panel for each mortgage enquiry. As part of the research process, we provide the Mortgage Adviser with all available Lenders that would consider the criteria as well as all available products. At formal offer stage we also check to see if the rate and product is still the most competitive available from the Lender. The advice process remains that of the Mortgage Advisers.

Do we have access to Onsite Lender Underwriters?

Yes. We also have Lender representatives on site at our Head Office in Altrincham.

Which mortgage networks/clubs do you work with?

3mc is on panel with the following mortgage networks.

  • Stonebridge
  • Sesame
  • The Right Mortgage Network
  • Homeloan Partnership
  • The Dragon Network

3mc is on panel with the following mortgage clubs.

  • PMS
  • The Mortgage Alliance
What is 3mcView and how do I register?

3mcView is your dedicated Broker portal. Track all your cases from simple enquiries all the way through to completed applications. With 24/7 access allows you to check the status of your case whenever you want and from wherever you are.

Click Here to register for 3mcView.

Who manages the advice process?

The Mortgage Adviser retains the advice process when using the 3mc packaging service. 3mc retains the advice process when the Introducer uses the 3mc introducer service.

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How can we help you today?

To get you to the information you need as quickly as possible, let us know if you’re a broker looking on behalf of your client, or if you are looking for a finance solution for yourself.