MT Finance Reviews 

A huge thank you to Lewis Wiseman and Jody Brown at MT Finance for all their support on our case. Their communication was excellent throughout, and they were always quick to respond and assist whenever needed. They worked closely with all parties to help achieve a successful completion and made the process as straightforward as possible.
It was a pleasure working with them both, thank you again!

Hannah L at MT Finance is super efficient, responsive and always a pleasure to deal with.

Excellent Service – A Calm, Professional and Well-Structured Mortgage Process

A genuinely excellent experience with MT Finance from start to finish.

The entire mortgage process was calm, structured and professionally managed, making what can often be a stressful experience feel straightforward and reassuring.

Everyone I dealt with at MT Finance was exceptionally helpful, polite and courteous. Communication was clear, questions were handled efficiently, and I always felt that I was dealing with a knowledgeable and professional team.

It was refreshing to work with a lender that demonstrated such a consistently high standard of customer service throughout the process.

Unfortunately, the same cannot be said for the mortgage broker who arranged the transaction, Brightstar Financial, whose service fell considerably below my expectations. However, I want to make absolutely clear that this in no way reflects on MT Finance, whose professionalism and approach were excellent throughout.

I would have no hesitation in recommending MT Finance and look forward to doing further business with them over the coming years.

An excellent experience and a well-deserved five stars!

DO NOT USE MT FINANCE — EXPENSIVE, OPAQUE AND NO MEANINGFUL RECOURSE!!

Our experience with MT Finance’s commercial mortgage valuation process was appalling.

No informed choice: We were shown different prices but not the valuers’ identities. We had to pay without knowing who would perform this critical work.

Customer pays, lender controls: We funded the valuation, while MT Finance selected the provider and controlled the entire process.

Unreliable outcome: The resulting report contained factual errors and figures that, in our opinion, could not be convincingly reconciled with the valuer’s own evidence.

Failed appeal: We submitted a detailed, evidence-backed challenge. It produced no meaningful reconsideration and no satisfactory numerical reconciliation.

Missing documentation: Our appeal stated that an amended lease was enclosed, but the valuer said it was never received. The valuation remained unchanged, and we received no satisfactory explanation of what happened.

No independent recourse: MT Finance controlled both the appointment and the appeal route, then relied on the valuation belonging to the lender and the fee being non-refundable.

No accountability: We paid a substantial fee but were left with no effective remedy when the quality of the work was seriously disputed.

This process gave us all the financial risk and virtually none of the control. We could not make an informed choice of valuer, could not obtain a convincing reconciliation of the figures and could not access a meaningful independent appeal.

In our experience, the process was fundamentally one-sided: the customer pays, MT Finance controls everything, and when the valuation is challenged, the customer is left without an effective remedy.

We have committed thousands of pounds in this process without anywhere to turn and have just been left to start the process again with someone else.

We would not use MT Finance again under any circumstances. Commercial borrowers should think extremely carefully before paying their valuation fee.

Excellent Service from MT Finance

A huge thank you to Lenka Pajkosova and Kyarna Carrington at MT Finance. Special recognition goes to Lenka, whose common-sense approach, determination, and hands-on involvement ensured our case was completed successfully. When unnecessary delays arose, Lenka stepped in, took control, and kept everything moving towards completion. Her professionalism, efficiency, and commitment to getting the job done were outstanding. Highly recommended.

My experience with MT Finance was extremely disappointing. The level of communication, customer service and overall handling of my application fell far below the standard I would expect from a professional financial services provider.
I experienced unnecessary delays, poor communication, additional costs and considerable frustration throughout the process. My concerns were not handled with the clarity or professionalism I expected, and I felt seriously let down as a customer. I ultimately had to pursue the dispute myself through formal complaint channels.
The overall experience caused significant inconvenience and financial disruption, which could have been avoided with better communication and more effective customer service.
Based on my experience, I would not use MT Finance again and would strongly advise others to consider their options carefully before choosing this company.

Absolutely smashed it out of the park. With less than 2 weeks to get an application through to completion, time was not on our side. Emily, Oliver and the whole team were fantastic, thank you all :)

James and William were very helpful and proactive on a recent bridging application. Great team, service and as always, quick completion! It is a pleasure to deal with anyone at MTF!

I've recently organised a second charge loan through MT Finance for one of my clients and the service that I received from Emily Mills and William White was absolutely first class. I have used MT before on a number of first charge loans, and they have always been on the ball, however I've never used them for a second charge loan and it was smoother than I could have imagined. Both Emily and William provided excellent communication throughout the process and I would look to use MT Finance again for any second charge loans that may be required going foreword. Great work and thank you both. Jon

I highly recommend MTF for anyone in need of a reliable lending service.

Having worked with MTF, I can confidently say that they are the fastest and most reliable lender out there. Their team is not only friendly but also highly responsive, ensuring that all my queries were promptly addressed. The lending process with MTF is refreshingly simple and extremely efficient, saving valuable time and effort.

Excellent service from start to finish in a particularly unique case. Lewis and Adam were responsive and assisted above and beyond for my clients. Thank you!

Brad - Connect Premier Mortgages

Thank you once again to David Kingham, Marta and Lenka from MT Team for their exceptional support and assistance in completing another 2 Ltd Co buy to let 80% LTV new lease splits. Also thank you to Matthew Elash, Emma from Ackroyds and Kunal Patel for their speed and assistance completing Legal’s.

I would give minus 10 stars if I could. Worst company to deal with, would never ever recommend anyone to go anywhere near these idiots. Don't know how they are allowed to operate and how they won awards is beyond me. Wasted 5 months of my time for a simple buy to let mortgage, asking the same things 2 and 3 times then telling me its the last item they need then a week later asking for something else then a week later asking for the same they asked for earlier. Just dragged on and on finally i just had enough and moved on. Had to go for a bridging loan instead as was running out of time to complete on the purchase so will be out of pocket of a few thousand pounds thanks to these monkeys. Even the managers and the underwriters haven't got a clue, all just a bunch of clowns. Please save yourself some time, headache and money and go somewhere else because honestly these people are just not worth your energy it was just a constant battle.

worst company ever , do not take out a bridging loan or mortgage with the guys , hidden fees , bullies , strong arm solicitors tactics and use of leverage with courts

Another successful completion with MT. As always, the service was excellent. William and Adam ensured everything was completed on time as made the process seamless for the client.

A big thank you to both Chloe and Alice, who were excellent and very supportive through out the entire process. Always on hand and available to help. Highly recommenced, look forward to working with you on the next case.

Placed my first case with MT Finance Ran into a problem towards completion Found Jade and Emily very supportive through the whole case and it went to completion Many thanks

Both Lewis and Emily were super friendly and helpful in getting our client's mortgage through as quickly as possible.

We have worked with MT Finance in connection with the acquisition of a hotel business, and the experience has been outstanding.

They are, without doubt, one of the most trustworthy and caring specialist lenders we have encountered as property investors. We have been extremely impressed by their efficiency, professionalism, and strong sense of responsibility toward their clients. Most importantly, they genuinely care — always placing their customers’ needs and best interests at the forefront.

Their service is fast, reliable, and highly effective. When working to a tight deadline, MT Finance truly stands out as the best lender we have worked with to date.

We would not hesitate to work with them again for any future refinancing or investment opportunities and would highly recommend MT Finance to all property investors.

Special thanks to Eve, Michael, and Mia for their exceptional support, dedication, and contributions throughout the process.👍🤝

Will & James were fantastic throughout the underwrite process - thank you lads!