Specialist lender MT Finance has introduced a series of enhancements to its commercial mortgage range, including reduced pricing across products and the launch of a higher loan-to-value (LTV) offering for houses in multiple occupation (HMOs).
The updated proposition includes a limited-edition HMO product available at up to 80% LTV on five-year fixed-rate terms, targeting properties with up to eight bedrooms. The move is designed to support landlords and investors seeking stronger yields, while also lowering the upfront capital required to acquire or refinance multi-let assets.
Alongside the new product, MT Finance has reduced rates across its broader commercial mortgage range, signalling a push to remain competitive in a market where borrowers are increasingly cost-sensitive and opportunistic. The lender says the changes are intended to improve affordability and provide brokers with more flexible solutions for clients navigating current market conditions.
The firm’s commercial offering spans a wide range of borrower types and property classes, including buy-to-let, semi-commercial and complex investment assets. Products are available to individuals, limited companies and portfolio landlords, with LTVs typically reaching up to 80% and a mix of fixed-rate options designed to provide stability in uncertain interest rate environments.
MT Finance’s growing presence in the commercial mortgage space builds on its established reputation as a bridging lender. Founded as a specialist short-term finance provider, the business has spent more than a decade supporting property investors with fast, flexible funding solutions—typically used for acquisitions, refurbishments or time-sensitive transactions.
Bridging loans, which are short-term secured loans designed to “bridge” funding gaps, have become an increasingly important tool for investors operating in competitive property markets.
Over the past ten years, the UK bridging sector has expanded significantly, driven by rising demand for speed of execution and more complex financing needs. Increased competition among lenders has also helped drive down pricing, while transaction volumes have grown steadily as property investors seek alternatives to traditional bank lending.
MT Finance has been an active participant in this growth, building a track record for rapid underwriting and a willingness to lend on more complex cases. This foundation has enabled the lender to expand into longer-term lending, including commercial and buy-to-let mortgages, as it broadens its product suite.
A major milestone in this evolution was the expansion of its institutional funding capacity. The firm secured a forward-flow funding agreement with JPMorgan, which was subsequently increased to £2.5 billion to support its growing commercial mortgage arm. This significant funding line provides the scale and liquidity required to compete more aggressively in the commercial lending market and to support larger, more complex transactions.
The introduction of higher LTV products for HMOs reflects a broader trend within the investment market, where landlords are increasingly targeting higher-yielding asset classes to offset cost pressures. By increasing leverage and lowering entry barriers, lenders such as MT Finance are helping investors access opportunities that may otherwise require substantial equity commitments.
Commenting on the changes, the lender emphasised its focus on remaining responsive to broker and borrower needs, highlighting the importance of adaptability in a rapidly evolving lending landscape. The combination of rate reductions and increased LTVs is expected to enhance borrowing capacity and support continued activity in the commercial property sector.
As specialist lenders continue to expand their capabilities, the lines between short-term bridging finance and longer-term commercial lending are becoming increasingly blurred. MT Finance’s latest product updates demonstrate how lenders are leveraging their bridging heritage—speed, flexibility and structuring expertise—to gain traction in the more traditional mortgage space.
Article written by Daniel Tennenbaum
