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Your Specialist
Mortgage Desk

3mc is an award-winning specialist mortgage desk for mortgage intermediaries and a national packager and distributor of residential, buy to let, bridging and commercial mortgages.

3 key reasons to use 3mc…

  • 7 onsite lender underwriters at 3mc
  • Access to 3mc exclusive products & criteria
  • Packaged or introducer service

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How we work

See how we compare

Lender Name via Lender via 3mc
Kensington Mortgages Mortgage Release Range not available Mortgage Release Range available
Dudley Building Society Self-Build discount for term product 0.80% cheaper
Bluestone Mortgages Discharged Bankrupts considered after 3 years Discharged Bankrupts considered after 1 year
Bluestone Mortgages IVA’s considered after 3 years IVA’s can be current cleared on completion
Precise Mortgages 2 year fixed DMP Range Up to -0.80% cheaper + £500 reduced lender fee on some tiers
Dudley Building Society Enhanced affordability on 5 year fixed 0.05% cheaper 5 year fixed resulting in additional affordability
Together 2 year fixed Light Range 2 year fixed Light Range 0.13% cheaper
Paragon Bank Residential not available direct Full residential range available
United Trust Bank Not available direct Residential Remortgage Range
Bluestone Mortgages H2B Range not available direct Full H2B Range available
Precise Mortgages H2B 2 year fixed Remortgage Range 0.05% cheaper fixed rate with £750 cash back
Lender Name via Lender via 3mc
Landbay Maximum LTV 75% for Small HMO range Maximum LTV 80% for Small HMO Range
Together All BTL products Up to 0.7% cheaper
Precise Mortgages 2 year fixed 80% LTV HMO Range Cheaper for loans above £133,000 due to lender completion fee
Paragon Bank SSC 80% LTV 5 year fixed rate with free val & Cashback 0.25% cheaper based on a total to pay over 5 years
Paragon Bank HMO/MUB 80% LTV 5 year fixed rate with free val & Cashback 0.70% cheaper based on a total to pay over 5 years

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Our lender panel

Residential Lenders

3mc have established enhanced terms & exclusive products from our panelled lenders. Residential lenders consider various applications including recent adverse, historic adverse & enhanced income multiples.

Specialist BTL/Commercial Lenders

3mc have established enhanced terms and exclusive products from a panel of partner lenders. Specialist BTL / Commercial lenders consider Ltd Co, both trading and SPV, HMO’s, Ex Pats and multi units on one freehold.

Buy to Let Lenders

3mc have established enhanced terms and exclusive products from a panel of partner lenders. BTL lenders consider various application types including 85% LTV, no minimum income requirements and minor adverse.

Short Term Lenders

3mc have established enhanced terms and exclusive products from a panel of partner lenders. Short Term Lenders consider various application types including no minimum income requirements, refurbishment projects and refinancing of existing bridging finance.

3mc Exclusives

We offer a range of full or shared exclusives that you won't find anywhere else. Click on the button below to view our exclusive range of lenders and their products.

  View Full/Shared Exclusives

News & Media

Company News

3mc Business Update

3mc has been monitoring the situation regarding the coronavirus outbreak along with the advice set out by the UK Department of Health. 3mc is regulated by the Financial Conduct Authority… Read More »

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  • Reasons to consider InterBay Commercial for your Specialist BTL & Commercial clients including portfolio landlords… t.co/Nw1LzXgQKA

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