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.
Information last updated: 06.05.25
3mc exclusives & semi-exclusives
Access alongside Lender core products
| Lender Name | via Lender | via 3mc |
|---|---|---|
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Free valuations on purchases not available |
Free valuations on purchases available |
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Ex – Pat Residential – Max 85% LTV |
Ex – Pat Residential – Max 90% LTV |
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2 & 5 Yr. Fixed – Interest only |
0.20% cheaper pay rate |
|
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Interest only – maximum 60% LTV |
Interest only – maximum 80% LTV |
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Packager Exclusive Tier not available |
Packager Exclusive Tier available |
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Up to 6 x LTI not available |
Up to 6 x LTI available |
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No free valuation residential products |
Free valuation residential products available |
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90% LTV not available |
90% LTV available |
| Lender Name | via Lender | via 3mc |
|---|---|---|
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Select Panel Benefits not available |
Select Panel Benefits available |
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Packager Exclusive Tier not available |
Packager Exclusive Tier available |
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Key Partner exclusive products not available
|
Key Partner exclusive products available
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Specialist BTL product available |
Specialist BTL product not available |
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5 year fixed rate semi exclusives not available |
5 year fixed rate semi exclusives 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.
Join our Team
Keep on top of the latest vacancies at 3mc by following us on social and visiting our vacancies page for the latest jobs
- Trainee Adviser
- Mortgage Adviser
- Case Manager
- Mortgage Underwriter
What Our Clients Say
Testimonials
David Stock
Outstanding service from 3mc on a very complicated remortgage case which we had been working on for over a year. My thanks to the 3mc team.
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?
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.
Learn More From
Frequently Asked Questions
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.
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.
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.
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.
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.
Yes. We also have Lender representatives on site at our Head Office in Altrincham.
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
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.
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.
News & Media
AVMs for Bridging
If you haven’t considered bridging AVMs before, then let’s take a look at how they assist your clients. AVM is
Ex-pat Rate Reduction and Return of the £500 Cashback
EX-PAT BUY-TO-LET Up to 75% LTV and up to 0.35% cheaper than the lender core Plus £500 cashback for remortgages
Trading Business Product with Shawbrook Bank
As one of Shawbrook Bank’s strategic partners you can gain access to a semi exclusive product range not available direct