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The HMO Mortgage Broker

MT Finance

MT Finance is an award-winning specialist property finance lender, offering a range of non-regulated bridging loans and buy-to-let mortgages. They are known for their speed, flexibility, and ability to handle complex cases.

  • Fast and flexible bridging loans
  • Buy-to-let mortgages for complex needs
  • No early repayment charges on many products

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

MT Finance HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • Yes:LLPs
  • Yes:Offshore companies

Experience and credit

  • Yes:First-time landlordsFlexible on experience, including for first-time landlords, especially for bridging products.
  • Yes:No property experience needed
  • Yes:Adverse credit consideredAdverse credit is considered on a case-by-case basis for bridging loans. BTL mortgages have stricter criteria but can still be flexible.
  • Yes:Borrowers aged 18 to 85

How to apply

  • Yes:Through a broker
  • Yes:Direct to the lender

Frequently Asked Questions

Common questions about MT Finance and their HMO mortgage services.

What are MT Finance's HMO mortgage rates?

MT Finance publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are MT Finance's borrower criteria?

MT Finance accepts first-time landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 18 years, maximum age: 85 years.

Does MT Finance accept intermediary applications?

MT Finance accepts intermediary applications. Direct applications are also accepted.

What HMO services does MT Finance offer?

MT Finance offers Hmo Mortgages, Hmo Remortgages, Hmo Bridging Finance, Portfolio, Limited Company, Bad Credit. Contact us to discuss your specific requirements and find the best solution for your property investment needs.