BRIDGING FINANCE
- Light refurb upto 90% LTV (fees can be added)
- Commercial up to75% LTV
- AVM available up to 75% LTV
- 100% of funds released on day one – no staged drawdowns
- Speed to offer
COMMERCIAL & SEMI-COMMERCIAL LENDING
- Extensive appetite across industries and asset classes
- Lending up to 75% LTV + fees
- Mortgage terms exceeding the remaining lease length
- Up to 12 years interest-only or 25 years repayment
- No debentures required
- Personal Guarantees capped at 25%
BUY-TO-LET MORTGAGES
- Quirky and non-standard property types not accepted by high-street lenders
- Adverse credit considered
- Social housing tenants accepted, including Serco, Mears, and Clearspring
- Complex borrower structures supported, including:
- SIPPs / Trusts
- Incorporation / Share purchase schemes
TRADING BUSINESS LOANS (OpCo/PropCo)
- Simplified underwriting – accounts and bank statements only (no MI or accountant references)
- Affordability assessed on average 2-year EBITDA – Rental income added back, including third-party rents
- No early repayment charges once fixed periods end
- No debentures required
- Personal Guarantees limited to 25%
ADDITIONAL INFO
- Competitive procuration fees
- slick process for customer refinancing from bridge with increased procuration fees
- Flexible underwriting
- EPC discounts to fees
- existing customer discounts
- Non-representation solicitors and title insurance options to speed up conveyancing
- Product transfers with no re-underwrite required
At 3mc, we have a team of expert advisers who can discuss all your mortgage requirements. If you would like to discuss your options, give the 3mc team a call on 0161 962 7800.
All calls are recorded for training and monitoring purposes. 3mc for intermediaries only.
*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.
📱 0161 962 7800
📧 info@3-mc.com
🌐 www.3-mc.com
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