MFS Launches Buy-to-Let

MFS Launches Buy-to-Let

MFS Launches Buy-to-Let Pilot Scheme for Brokers | Following our earlier update, Mortgage Network Adds MFS to Its Panel, we’re excited to share that MFS has officially launched its Buy-to-Let (BTL) Pilot Scheme a specialist bridging finance initiative designed to support brokers and landlords navigating complex lending needs.

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MFS Launches Buy-to-Let Pilot Scheme for Brokers

Market Financial Solutions (MFS) has officially rolled out its new buy-to-let (BTL) pilot programme, marking a significant advancement in its specialist lending proposition. Designed to address the evolving needs of landlords and property-focused mortgage advisers, the MFS BTL pilot is poised to reshape investment lending strategies across the UK.

📌 For brokers handling complex landlord cases, explore our Specialist Mortgage Network for Advisers to access more bespoke lending solutions.

Redefining Buy-to-Let Lending Through Innovation

MFS’s new pilot aims to transform the buy-to-let lending experience by offering a streamlined, tech-enhanced borrowing process. In an increasingly competitive market, this scheme provides fast BTL bridging loans, tailored underwriting, and seamless case progression, all built around landlords’ dynamic financial goals.

The initiative aligns with a broader market shift towards AI-powered compliance tools and digital case tracking, helping brokers deliver greater speed and transparency to clients.

Designed for Property Professionals and Advisers

Built as a testing ground for innovative lending tools, the MFS BTL pilot focuses on:

  • Efficient turnaround times

  • Flexible loan structures for portfolio landlords

  • Enhanced borrower experience powered by fintech

These features make it particularly attractive to mortgage brokers who support complex buy-to-let applications, such as those involving limited companies, HMO properties, or clients with adverse credit histories.

🎯 New to the industry? Learn how our Adviser Mortgage Network for the Newly Qualified supports brokers entering the BTL space.

Empowering Brokers With Market Insight

By merging financial expertise with client-focused lending, MFS offers more than just a product; it delivers a solution-driven approach. Brokers who work with MFS gain access to:

  • Detailed market intelligence

  • Responsive underwriting teams

  • Tools that help landlords make informed investment decisions

A New Standard in Specialist Lending

As part of its continued expansion, MFS’s entrance into the BTL market signals its agility and focus on high-performance lending. The pilot demonstrates how specialist mortgage networks can partner with lenders to provide tailored support to clients.

📎 Want to know why working within a network helps you access innovations like this? Read our guide: Why Join a Mortgage Network.

MFS Launches Buy-to-Let Pilot Scheme for Brokers

Market Financial Solutions (MFS), a well-established lender with over 15 years of experience in specialist finance, has officially entered the buy-to-let (BTL) mortgage market. This move starts with a targeted pilot scheme, reinforcing MFS’s commitment to innovation and flexible lending solutions for complex client needs.

Early Rollout Led by Industry Veteran

The BTL pilot scheme is being introduced through a soft launch with a select group of mortgage brokers ahead of a full release expected in 2022. Spearheading the initiative is Mike Cook, a respected figure in the industry with over 20 years’ experience. His background includes founding Vida Homeloans and holding senior roles at major institutions, including the Bank of Ireland, ING Direct, and Kensington.

Supporting Complex and Specialist Cases

MFS’s BTL range is purpose-built for borrowers with non-standard financial profiles. The lender provides options for clients purchasing through corporate structures, offshore companies, and trusts, an approach well-suited for overseas investors and complex ownership models. The pilot also covers high-yield assets, such as large HMOs and holiday lets, areas often underserved by mainstream lenders.

Flexible Lending Designed for Results

The pilot introduces borrower-friendly features, including an Interest Cover Ratio (ICR) as low as 80%, enabling greater access to funding. MFS also offers rolled-up and deferred interest options, top slicing, and interest rate caps of up to 1%, helping reduce friction in cases requiring fast completion, especially for prime London property transactions.

Competitive BTL Terms with Broker Incentives

Clients can choose between 2-year and 3-year fixed-term loans, with rates starting at 4.99% and product fees from 1.75%. Brokers benefit from a 1% commission, ensuring aligned interests across the transaction and encouraging swift, collaborative deal completion.

Supporting the UK Mortgage Market

MFS’s new proposition aims to reduce failed transactions while meeting the needs of complex borrowers. MFS demonstrates its commitment to delivering tailored solutions within the competitive UK buy-to-let mortgage landscape by addressing market gaps.

Seventeen broker firms are participating in the initial Q4 2021 pilot. MFS plans to add more firms as the pilot progresses, ahead of the full BTL mortgage range launch in 2022.

Mike Cook
Mike Cook, Chief Mortgage Officer at MFS
Paresh Raja
Paresh Raja, CEO of MFS

Paresh Raja, CEO of MFS, said, “This is a hugely exciting moment for MFS. Building on our 15 years of experience as a specialist lender, we’re bringing speed and flexibility to the BTL space. We look forward to working with several brokers during this initial pilot before the full market launch next year.”

Mike Cook, MFS’s Chief Mortgage Officer, added, “The transition into the BTL mortgage space is a natural fit for MFS. We understand the BTL market and will use our experience to help brokers with complex clients. I look forward to driving this pilot forward and am confident it will be successful in the coming months.”

Connect Mortgage Network: Supporting Innovation in Buy-to-Let Lending

As a leading mortgage network, Connect is committed to driving innovation and expertise across the adviser community, particularly in the buy-to-let mortgage space. We don’t just support traditional lending; we actively champion specialist finance solutions that meet the evolving needs of both brokers and landlords.

In line with this mission, we’re excited to announce that specialist lender MFS has launched its BTL Pilot scheme exclusively within the Connect network. This rollout reflects our dedication to expanding access to advanced mortgage products while elevating the standard of advice our appointed representatives deliver.

Understanding product criteria and eligibility is key, especially with unique offerings like this pilot. That’s why we equip advisers through our lender digital learning programme, where participation in modules such as the MFS BTL Pilot earns valuable CPD credits.

These initiatives are part of our broader commitment to adviser development. They support stronger client outcomes and highlight the career potential within the financial advice profession. Learn more about our Specialist Mortgage Network for Advisers and how we empower brokers to grow through specialist lender partnerships.

The MFS BTL Pilot rollout is more than a product launch; it’s another step forward in Connect’s mission to lead the way in specialist mortgage solutions.

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