MFS is a UK-based specialist lender founded in 2006, and offers financial products to SMEs, property professionals and consumers, including unregulated bridging loans.

With 16 years of experience, this well-established, award-winning lender provides one of the largest ranges of bridging products in the industry, competitive rates, and a simple and transparent process.

In this review, I will take a closer look at MFS, detailing their products’ key features, eligibility criteria, application process, rates and reviews to help you decide whether this lender is the right choice for your needs.

I’ll particularly be focussing on MFS’ bridging loan products.

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  • Rates
  • Range of Finance Options
  • Loan Size
  • Application Process
  • Customer Service

MFS Review

MFS Bridging

MFS offers a range of unregulated bridging loans from £100,000 to £50,000,000 for residential, commercial and development needs.

These loans can be used to quickly secure property purchases, fund refurbishments, raise capital, or refinance existing loans.

Key features include

  • Bridging loans from £100,000 up to £50,000,000, with up to 75% LTV available
  • Rates start from 0.55% per month for terms from 3 to 24 months
  • Extensive range of bridging products, from residential to commercial
  • 1st and 2nd charge available
  • Interests can be retained or serviced
  • Adverse credit borrowers are welcome
  • Instant quote available
  • MFS works to your timescale
  • Underwriting from day 1 to ensure transparency

Overall, MFS has a great reputation. Their longevity, fast and transparent process, competitive rates and acceptance of complex circumstances make them one of the best options out there.

What are the Eligibility Criteria for a MFS Bridging Loan?

Here are the criteria and special circumstances when applying for a bridging loan with MFS:

General Criteria

Accepted ApplicantsIndividuals, Self-Employed, LTDs, LLPs, SPVs, Foreign Nationals, Offshore Companies, Trusts
Age Range21 – 85
LocationEngland & Wales
NationalityAll applicants considered from any country other than a sanctioned/blacklisted country
Interest Payment MethodFully retained / Part retained and serviced / Serviced monthly

Complex Circumstances

Simple Circumstances

Application Process for MFS Bridging

The application process for an MFS bridging loan is one of the simplest I’ve seen. It all starts on MFS’ Bridging Loan Calculator. This allows you to input your loan details and receive an instant quote.

MFS Calc

Once you’re happy with your loan’s estimated terms, contact MFS and send them your loan enquiry. Their staff will be in touch shortly to discuss the next steps with you.

  1. Indicative Terms – Once MFS receives your enquiry, they will provide the indicative terms of your loan.
  2. DIP – MFS then studies your requirements in detail and issues a Decision in Principle.
  3. Valuation – Valuers will then visit the property, which allows MFS to confirm the terms detailed on the DIP.
  4. Legal Paperwork – MFS lawyers and yours will work together to progress the case.
  5. Draw Down – Once the admin work is done, your funds will be available in as little as 3 days.

The front-end process is quite quick and straightforward, with minimal information needed upfront. The use of the calculator prevents back and forth since you’re aware of your loan’s terms straight away.

MFS Rates

Here are the MFS bridging loan rates for 2023.

Residential Rates

ProductsBTL Single PropertyLarge Single PropertyBTL Portfolio
50% LTV0.55%0.70%0.60%
60% LTV0.65%0.80%0.70%
70% LTV0.75%0.90%0.75%
75% LTV0.85%1.00%0.90%
Max. LTV75%75%75%
Min. Loan£100K£3M£100K
Max. Loan£3M£20M£50M

Development Rates

ProductsDeveloper ExitPermit DevelopmentLight Development
50% LTV0.60%0.60%0.60%
60% LTV0.70%0.70%0.70%
70% LTV0.75%0.75%0.75%
75% LTV0.90%0.90%0.90%
Max. LTV75%75%75%
Min. Loan£100K£100K£100K
Max. Loan£30M£20M£20M

Commercial Rates

Large Loan
Large Loan
50% LTV0.60%0.70%0.60%0.70%
60% LTV0.70%0.80%0.70%0.80%
70% LTV0.75%0.90%0.75%0.90%
75% LTV0.90%1.00%0.90%1.00%
Max. LTV75%75%75%75%
Min. Loan£100K£2M£100K£2M
Max. Loan£2M£15M£2M£15M

2nd Charge Rates

Products2nd Charge Loan
50% LTV0.65%
60% LTV0.75%
70% LTV0.85%
75% LTV
Max. LTV70%
Min. Loan£100K
Max. Loan£5M

MFS Reviews & Ratings

Overall, MFS receives very positive reviews, earning an ‘Excellent’ TrustScore of 4.7 out of 5 based on over 77 reviews on Trustpilot.

The vast majority of reviews (92%) rate MFS 5 stars. Customers praise the lender’s transparency and experience, as well as its wide acceptance of several types of borrower profiles.

5% of reviews are four stars, 0% are three stars or two stars, and 3% are 1 star. The negative reviews mainly relate to the quality of service, which, in my opinion, has more to do with personal circumstances.

Negative reviews are really limited compared to the overwhelming positive feedback.

Reviews indicate high satisfaction with MFS’s lending services, owing to transparency, speed of execution, and competitive rates. While a minority of customers have faced challenges, my sentiment toward MFS is very favourable.

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What distinguishes MFS’s bridging loan services from other financial institutions?

Can MFS provide a tailored bridging loan solution based on individual financial circumstances?

Yes, MFS has the capacity to provide tailored bridging loan solutions based on a borrower’s unique financial situation. This can be through flexible loan terms, competitive rates, or a bespoke repayment plan that suits your financial circumstances.

How does MFS ensure a smooth transition from a bridging loan to long-term financing?

Does MFS have a streamlined application and approval process for bridging loans?