Market Financial Solutions website

MFS (Market Financial Solutions) launched in 2006, providing over 18 years’ industry experience. We lend on complex property and ownership structures across England and Wales delivering fast and flexible buy-to-let, bridging, commercial and semi-commercial term solutions.

… And when we say yes, we mean YES! 

Meet our product ranges:

  • Buy to Let mortgages
  • Semi-commercial term loans
  • Commercial term loans
  • Bridge Fusion
  • Bridging Finance – 1st and 2nd charge available

USPs across ALL our ranges:

  • Boost maximum loan size with our market leading affordability tools
  • Top slicing also available
  • Expats, Foreign Nationals (even without UK footprint), trading limited companies, SPVs, offshore companies/trusts
  • Adverse credit considered

Buy to Let Mortgages

£150k – £3m, maximum portfolio with MFS £10m (exceptions available from £100k)

  • Lending up to 75% LTV
  • Maximum 10-year term
  • No stress testing of background portfolio or fixed rates less than 5 years!
  • MUFBs to 30 units, unlimited HMOs, Holiday lets, flats above nuisance premises, ex-local flats including deck-access.
  • Refurbishment BTL without the need for bridging
  • FT Landlords and FTBs considered
  • Share Purchase Agreements acceptable

Commercial & Semi-Commercial Term

£150k – £2m, maximum portfolio with MFS £10m (exceptions available from £100k)

  • Lending up to 70% LTV
  • First-time commercial landlords allowed
  • Properties accepted: Purpose Built Student Accommodation (PBSA), unlimited HMOs/bedsits, Unlimited MUFBs, medical/dental practices, offices, etc
  • Considered case by case:  Nursing/care homes, hotels/B&Bs, restaurants, pubs, steel-framed warehouses, leisure clubs/gyms

Bridge Fusion

£100k – £20m (exceptions available)

  • No ERCs after month 20
  • Even greater flexibility when it comes to affordability
  • Defer interest up to 2% for 2 years
  • Roll interest for up to 6-12 months
  • Ability to overpay 25% ERC free, from month 6
  • Accepts businesses that are looking to turn businesses around before refinancing to more traditional lenders

Bridging Loans

£100k – £50m (exceptions available)

  • Up to 75% LTV (70% for second charge, semi/commercial)
  • Cross charging available on one or multiple properties
  • No hidden costs
  • Specialists in complex circumstances
  • Bankruptcy annulments acceptable

*Products from Market Financial Solutions can be accessed by selecting Next Intelligence as your payment route.