News & Media

Higher Leverage on Strong Assets InterBay now lend up to 75% of Market Value (no longer restricted to the lower of MV or VP). Larger loan sizes As long as

3mc are on the Precise Premier Panel and are proud to announce that Second Charge Bridging through Precise is now live! Regulated and non‑regulated cases considered, with competitive rates starting

Residential Semi-exclusive free valuations on residential purchases Lending up to 95% 6x income up to 85% loan to value Multiple sources of income allowed (foster income, maintenance, child benefit etc)

Specialist & Complex BTL Loans up to £1m and up to 10 units – Specialist BTL Loans up to £2.5m (up to £50m on structure real estate product) – Complex

Reduced rates from just 0.53%pcm As a Precise Premier Panel member, 3mc can access exclusive bridging rates across their entire regulated range, including standard, light and heavy refurb. What’s new?

Fleet Mortgages and 3mc are proud to work in partnership, combining Fleet’s specialist buy‑to‑let proposition with 3mc’s experience in packaging and case placement. It all starts with a good conversation

Alongside Dudley’s ‘bread and butter’ USPs, here are some of the lesser-known areas where they can really support your clients. Did you know they can offer the following? Interest Only:

Commercial – Rates from 6.72% for Investment and 6.17% for Owner Occupied** (4% fee products reintroduced) Up to 75% LTV ICR/DSCR 125% @ pay rate (Rent or adjusted EBITDA) No

Allica Bank: 3mc are a strategic partner accessing enhanced procuration fees and semi exclusives available Lendinvest: 3mc are a strategic partner accessing enhanced procuration fees and semi exclusives available PRECISE:

Foundation Home Loans is now Foundation. This change better reflects who they are today and where they’re going. While their branding is new, their commitment to brokers and their clients

Family are one of only a few lenders in the BTL space with these added benefits: 2 year fixed for owner occupier reduced by 0.10% Ltd company 5 year fixed

Offered on 2 year and 5 year fixed rate products Available on purchase only Consider New build and existing properties Choice of fee and fee-free options VISIT LENDER PAGE At

Access Vida’s packager exclusive tier for both residential and BTL products via 3mc. Via 3mc, Vida’s packager exclusive tier allows access to: Defaults & CCJs £500 or more in less than

Introducing Dudley Building Society. Reduced rate on 3 of the 5-year fixed products Full product range now includes variable, 2-year and 5-year fixed rate options Expat residential mortgages are now

Introducing First Time Buyer and First Time Landlord Exclusives Available Via 3mc. F1 2 Year Fixed – FTB/FTL at 5.99% and F1 5 Year Fixed at 5.84% FTB and FTL

At 3mc we benefit from lender exclusives and semi-exclusives which means our clients can benefit from lower rates and more products than they could access direct. Current lender exclusives are

Residential Semi-exclusive free valuations on residential purchases Lending up to 95% 6x income up to 85% loan to value Multiple sources of income allowed (foster income, maintenance, child benefit etc)

3mc Academy Sponsors Landbay have lots to offer your clients, including: 5yr fixed rates at payrate (payrate floor of 4.5% on Premier products) AVM’s on selected products in the core

THE WAIT IS OVER. RELY HAS OFFICIALLY LAUNCHED AND READY FOR YOUR NEXT BUY-TO-LET CASE. PRODUCT RANGE HIGHLIGHTS Up to 80% LTV and no maximum loan size 2, 3, 4

PRECISE HAVE REFRESHED THEIR RESIDENTIAL RANGE WITH RATES REDUCED BY UP TO 0.15% ACROSS SOME PRODUCTS. What’s new: Rates now start from 4.71% 2-year fixed rates reduced by up to

Rates are falling this autumn across Interbay’s commercial owner occupier range and selected semi-commercial products. Semi-commercial for properties with 55%+ residential value – New business rates reduced by up to 0.50%.

Family Building Society have launched their Limited Co Expat BTL products. Family are one of only a few lenders in the BTL space with the added benefits that they already have:

Lendinvest: 3mc are a strategic partner accessing enhanced procuration fees and semi exclusives available PRECISE: 3mc are part of the Premier Panel with enhanced procuration fees and semi exclusive available

As a key partner with one of our lenders we are pleased to have exclusive access to a 5% loan-to-value increase across their range of bridging products (LTV increase excludes

Bluestone have expanded their criteria to accept customers on a Skilled Worker or Health & Care VISA. Subject to criteria, this expansion provides those who do not yet have ‘indefinite

VIDA have made rate cuts by up to 0.65% on Residential products and by up to 0.59% on BTL products. 95% LTV is now available on the Vida 6 product

Specialist BTL semi-exclusive products available via 3mc Specialist BTL product available via 3mc Lower rates than going direct on both the 3% and 5% fee option HMOs up to 10

LET’S TAKE A LOOK AT WHAT QUANTUM MORTGAGES HAVE TO OFFER Day one remortgage can be based on OMV. Can accept Serco leases and consider corporate leases with any social

MINIMUM LOAN NOW £125K ACROSS INTERBAY SELECT’S BRIDGING RANGE Qualifies for the 60/40 commission split Reduced minimum loan size on semi-commercial and commercial bridging products by 50%. This gives you

Helping clients with new build purchases just got easier. With 12 lenders accepting new build properties on our 3mc Packager Panel, we offer flexible solutions for residential new build properties.

REASONS TO USE VIDA Missed payments: They look at missed payments, but anything under £250 won’t count towards product tiering. If your customer has up to 3 missed payments of

Ex-Pat Residential Semi Exclusive with Dudley – Extra 5% Loan to Value! 5-year fixed rate semi-exclusive and a 2-year discount semi-exclusive available through 3mc. Extra 5% loan to value –

Owner occupier Interest Only – Affordability now calculated on the Interest Only payment rather than repayment. Regardless of the mortgage term selected. Cash held in savings accounts can count towards

Who wants more? Up to 6x income. Up to 95% LTV. Adverse accepted. Precise can now increase borrowing potential like no other lender. On top of increasing their LTV to

Bluestone Mortgages have increased their maximum LTV on their ‘CLEAR’ credit tier by 5%, meaning they now lend up to 90% LTV on their residential mortgage range. LTVs have also

As a Vida Premier Partner, via 3mc foreign nationals have access to: Up to 90% LTV. Wider Vida Acceptance – now includes expanded list of eligible visas (12 different types).

BRIDGING FINANCE: KEY BENEFITS FROM ALLICA BANK Fast funding from £150,000 to £10 million Up to 75% LTV on residential and refurbishment Up to 70% LTV on semi-commercial and commercial Automated

Looking to focus on other areas of your business without losing valuable mortgage opportunities? With 3mc’s Introducer Service, you can refer your clients with confidence knowing they’ll receive expert, fully

In the current buy-to-let landscape, UK landlords need the help of brokers more than ever. And brokers need helpful, supportive BTL options to deliver for their clients. That’s why, over

As an Interbay Select Partner, we have access to exclusive rates and criteria, such as: Up to 0.20% cheaper rates than their standard products – Also available for product transfers!

As a key partner of Quantum Mortgages, 3mc get access to exclusive product offer. Rates are up to 0.2% cheaper across the 5 products and also a cheaper fee rate than

Via 3mc you can access 60/40 commission split, no packaging fee for all bridging cases received for 6 months from 1st April 2025 and there’s an Introducer service available (although

Ex-pat buy-to-let and owner occupier, interest only semi-exclusive. Owner occupier semi exclusive: £0 product fee on loans up to £500,000 Free valuation for properties up to £500,000 £500 cashback towards

Saffron is now offering enhanced affordability for professionals qualified in the last 10 years. Can lend up to 6x income Up to 80% LTV on repayment 5.5x income available up

Guess what…? Pepper are back in the BUY-TO-LET market Personal and Ltd company. Up to 80% LTV on EPC A-C. No credit scoring. Accept defaults, CCJs and missed mortgage payments

We are pleased to introduce the following new semi-exclusives from Foundation Home Loans accessible via 3mc: 90% LTV 2 year fixed residential packager semi-exclusive NO PRODUCT FEE Now with an

If you haven’t considered bridging AVMs before, then let’s take a look at how they assist your clients. AVM is an Automated Valuation Model, an automated process that can provide

EX-PAT BUY-TO-LET Up to 75% LTV and up to 0.35% cheaper than the lender core Plus £500 cashback for remortgages INTEREST-ONLY MORTGAGES 2 and 5-year fixed rates now available up

As one of Shawbrook Bank’s strategic partners you can gain access to a semi exclusive product range not available direct to lender. Includes trading businesses such as : Coffee shops,

TML have reduced their 5-year fixed rates by up to 0.15% with reduced residential rates by up to 0.25%. They have launched 80% buy-to-let (only on single units and not new

Energy Performance Certificates are vital documents for landlords that rate a property’s energy efficiency from A (most efficient) to G (least efficient). Introduced in 2007, EPCs have become increasingly important

90% LTD with heavy adverse from Bluestone Mortgages via 3mc. Read more via our weekly newsletter >>> https://mailchi.mp/3-mc/bluestone-3119318?e=91c1885d6d 📱 0161 962 7800📧 info@3-mc.com🌐 www.3-mc.com *3mc for intermediaries only* Please feel free to

There are many reasons to use LendInvest: Up to 80% LTV for standard properties New build flats & houses up to 75% LTV MUFB’s up to 10 units 75% LTV

RESIDENTIAL 90% LTV PRODUCTS We are pleased to introduce the following new semi-exclusive products from Foundation Home Loans F1 2 Year Fixed product with a £0 product fee and a

A Mortgage Packager acts as an intermediary between Mortgage Brokers and lenders. A Mortgage Packager’s primary role is to prepare, assess, and package mortgage applications to ensure they meet lender

Family Building Society are now covering HMOs. Rent will be based around the total rent. Max 4 bedrooms and max 6 tenants in those 4 bedrooms. 1 tenancy overall or

Free valuations on ALL residential mortgages. This applies to residential mortgages only and not BTL or second charge loans. Read more and download the product guide >>> https://mailchi.mp/3-mc/utb_2?e=91c1885d6d 📱 0161

Bluestone are increasing the max. LTV on their ‘Clear’ credit tier by 5%, meaning they now lend up to 90% LTV on their residential mortgage range. They’re also increasing LTVs

As a key partners of Quantum Mortgages, 3mc get access to exclusive product offerings on their single unit, HMO and MUFB range on  3 or 5 year fixed rate products.