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

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

How we work

Mortgage Packager

3mc will provide solutions for our mortgage brokers on all of your specialist mortgage applications, providing you with the tools you need to make the most of every mortgage enquiry

Find out more

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.

Find out more

See how we compare

Residential
Buy to Let

Lender Name	via Lender	via 3mc

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 Sapphire Range not available direct	Right to buy Range Sapphire available
United Trust Bank	Not available direct - restricted product range	Full Residential Range 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

Landbay	NRLA member 5 Yr. fixed rate not available	NRLA member 5 Yr. fixed rate available – £250 cashback
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

View 3mc Exclusives

Our lender panel

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

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

We grab a coffee with Jemma Pugh from The Mortgage Lender (TML)

We grab a coffee with Jemma Pugh from The Mortgage Lender and ask her why she feels it’s important to have an onsite underwriter in the current economic situation. For… Read More »

Rate Reductions Across The Range – Bluestone Mortgages

Great news – Bluestone Mortgages have reduced their rates by up to 1.57% across the entire product range. Packager Exclusives available with enhanced Sapphire criteria for the Core, Help to Buy… Read More »

Join us for a coffee and learn about how having Charlie from The Mortgage Lender (TML) on site at 3mc can help your clients. We’ll also be discussing the benefits of our partner exclusive LUMI range catering to those with more recent adverse credit. Contact us today to find out how we can help you

For Intermediaries only