In Business since 1996 0161 962 7800

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, Short Term Lending and Commercial mortgages. If you’re looking for a Mortgage Desk that can provide you with expert guidance and a wide range of mortgage products, look no further than 3mc!

3 key reasons to use 3mc…

  • Onsite lender underwriters at 3mc
  • Access both the lender core range and packager exclusives in one place
  • Packaged or introducer service

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Packager Exclusives and Lender Core Products

As a packager 3mc are able to provide Brokers with exclusive access to lenders and criteria not available direct to Brokers alongside lender core products. Self-employment, adverse credit and affordability are three cornerstones of the specialist market which can be complex if you deal with it infrequently.

Let 3mc help you:

  • Support your specialist clients
  • Save valuable time
  • Access semi-exclusive products

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Consumer Duty

As a packager we believe strongly in helping Brokers as much as we possibly can. Since September 2022 we have been actively working through the Consumer Duty requirements so not only are we abiding by the new principle but also to assure Brokers that by using us as a packager they are also meeting certain outcomes proposed under the Duty.

Read more about:

  • Consumer Principle
  • Cross-cutting Rules
  • Four Outcomes

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How we work

See how we compare

Lender Name via Lender via 3mc
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
Bluestone Mortgages Right to Buy Range Sapphire Range not available direct Right to Buy Sapphire Range available
Bluestone Mortgages No free valuation Deposit Unlock products Free valuation for Deposit Unlock products
Dudley Building Society Ex – Pat Residential – Max 85% LTV Ex – Pat Residential – Max 90% LTV
Family Building Society 2 & 5 Yr. Fixed – Interest only 0.20% cheaper pay rate
Family Building Society Interest only – maximum 60% LTV Interest only – maximum 80% LTV
Saffron Building Society Self Build - £1m + Self Build - £1m + - Up to 0.90% Cheaper
Vida Homeloans Packager Exclusive Tier not available Packager Exclusive Tier available
Lender Name via Lender via 3mc
Family Building Society Ex-Pat 5 Yr. Fixed rates. Not all countries available Up to 0.30% cheaper + additional incentives. Plus, additional countries
InterBay Select Panel Benefits not available Select Panel Benefits available
Vida Homeloans Packager Exclusive Tier not available Packager Exclusive Tier available
Landbay AVM product range not available AVM product range available
Birmingham Bank Products not available All products available plus free valuation fee option
Hampshire Trust Bank (HTB) FTL FTB and some non-standard construction cases not available FTL FTB and some non-standard construction cases available

  View 3mc Exclusives

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Our lender panel

Residential Lenders

3mc has negotiated improved terms and exclusive mortgage products from our panel of lenders. Residential lenders take into account a variety of applications, including recent adverse, historic adverse, and consider enhanced income multiples

Specialist BTL/Commercial Lenders

3mc has negotiated improved terms and exclusive mortgage products with our panel of partner lenders. Specialist Buy to Let/ Commercial lenders consider Limited Companies, both trading and SPV, HMO’s, Ex Pat’s, and multi-unit properties on a single freehold.

Buy to Let Lenders

3mc has negotiated improved terms and exclusive mortgage products with our panel of partner lenders. Buy to Let lenders take into account a variety of application types, including 85% LTV, no minimum income requirements, and minor adverse.

Short Term Lenders

3mc has negotiated improved terms and exclusive mortgage products with our panel of partner lenders. Short Term Lenders consider a variety of applications, including those with no minimum income requirements, renovation 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

Product Updates

Video

Mark Shelpa chats with Michelle on accessing Tandem via 3mc and the online training they have available which you can access below…

📱 0161 962 7800

📧 info@3-mc.com

🌐 www.3-mc.com

*3mc for intermediaries only*

Mark from Tandem Bank discusses training and exclusives

Mark Shelpa chats with Michelle on accessing Tandem via 3mc and the online training they have available which you can access below… How to read your accounts How to read… Read More »

3mc on X

Lender Birmingham Bank have launched their NEW 2-year fixed rates for HMOs and MUFBs of 65% LTV - 5.09% and 75% LTV - 5.19%.

Read this week’s email newsletter to find out more: https://bit.ly/3xyryGf

*3mc for intermediaries only

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Careers at 3mc

We are hiring now. View all our latest vacancies and find your next job.

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