3mc | Mortgage Packager | Residential, BTL, Bridging & Commercial

How we work

Mortgage Packager

3mc are able to provide solutions for advisers on cases they deal with on an infrequent basis, and so can give you the tools you need to make the most of every lead.

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Introducer Service

Our introducer service will enable you to refer clients to 3mc safe in the knowledge that we will provide a fully advised recommendation process to your client.

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Residential
Buy to Let

Lender Name	via Lender	via 3mc

Pepper Money	Pepper 6, 12 and 18 available	0.05% cheaper rate on Pepper 6,12 and 18
Bluestone Mortgages	Help to Buy Sapphire Range not available direct	Help to Buy Sapphire Range available
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 not available direct	Right to buy Range available
Paragon Bank	Residential not available direct	Full residential range available
United Trust Bank	Not available direct - restricted product range	Full Residential Range available
Family Building Society	Interest only 2 Yr. fixed rate not available direct	Interest only 2 Yr. fixed rate available
Dudley Building Society	Heylo Shared Ownership not available direct	Heylo Shared Ownership available
The Mortgage Lender	LUMI range not available direct	LUMI range available

Lender Name	via Lender	via 3mc

Pepper Money	Ltd Co. BTL 5 Yr. fixed rate Pepper 48 available	Pay rate 0.05% cheaper with free valuation
Family Building Society	5 Yr. fixed rate range not available direct	5 Yr. fixed rate range available
Family Building Society	5 Yr. Limited Co. fixed rate not available direct	5 Yr. Limited Co. fixed rate available
Family Building Society	5 Yr. fixed rate Ex-Pat range not available direct	5 Yr. fixed rate Ex-Pat range available
Family Building Society	Limited Ex-Pat countries considered	Full lender Ex-Pat countries considered
Landbay	NRLA member 5 Yr. fixed rate not available	NRLA member 5 Yr. fixed rate available – 0.05% cheaper
Landbay	Large HMO/MUB range available	0.20% cheaper @ 75% LTV
Landbay	3.39% 5 Yr. fixed rate HMO not available	3.39% HMO 5 Yr. fixed rate available – 0.20% cheaper + 0.25% cheaper lender fee
Foundation Homeloans	Standard background portfolio assessment	Enhanced background portfolio assessment available

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Our lender panel

Residential
Specialist BTL/Commercial
Buy to Let
Short Term
3mc Exclusives

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.

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News & Media

Your Specialist
Mortgage Desk

3 key reasons to use 3mc…

How we work

Mortgage Packager

Introducer Service

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