Equitable 2nd Charge Bridging: Fast, Flexible Solutions Without Lender Consent

Introducing a Revolutionary Bridging Solution from MTL Trust

MTL Trust has launched an innovative equitable 2nd charge bridging loan product, specifically designed to offer fast, flexible short-term finance for property owners and investors across the UK. This product breaks the mold by not requiring the consent of your existing mortgage lender, helping borrowers act quickly in competitive markets or when time-sensitive opportunities arise.

Key Product Features: Fast, Flexible Bridging Loans

• No first lender consent required: Proceeds as an equitable 2nd charge – ideal for complex or urgent cases.
• Rapid completion: Typical turnaround within days, supporting quick purchases or cash-flow requirements.
• Flexible underwriting: Suitable for a wide range of scenarios, including residential and investment properties.
• Loan sizes: Typically from £50,000 to £5,000,000.
• Terms: Up to 18 months, interest rolled up or serviced options available.
• Competitive bridging rates: Rates assessed on a case-by-case basis, reflecting risk and property profile.

Who Benefits Most from the Equitable 2nd Charge Bridging Loan?

This solution is particularly well-suited where speed and flexibility are paramount, but first-charge lender consent is impractical or would cause delays. Ideal clients include:

• Property investors or landlords seeking quick equity release or capital for new acquisitions.
• Homeowners or developers needing short-term funding for auction purchases, refurbishment, or renovation projects.
• Borrowers unable to obtain consent from their primary mortgage provider in the required timeframe.
• Individuals seeking solutions for debt consolidation or urgent cash-flow needs.

Unique Benefits & Features Compared to Traditional Bridging Products

• Consent-free lending: Removes a major barrier and delivers true flexibility.
• Minimal paperwork: The process is streamlined, with simplified documentation and fast legal work.
• Property type flexibility: Both residential (including buy to let) and semi-commercial properties considered.
• Nationwide coverage: Available across England, Wales, and Scotland.

With these advantages, MTL Trust’s equitable 2nd charge bridging fills a critical gap where traditional bridging lenders may not provide viable, timely options.

Why Choose MTL Trust for Bridging Finance?

• Speed and Certainty: Decision-makers are accessible, ensuring rapid answers and dependable completion timelines.
• Experience with Complex Cases: Specialists in challenging and non-standard borrowing needs.
• Transparent Process: Clear fees and process, with direct point-of-contact from enquiry to completion.

Next Steps: Get Expert Bridging Finance Advice

If you’re considering bridging finance, especially where standard lender consent could slow your plans, contact our mortgage advice team today. We’ll help you assess eligibility, compare bridging solutions, and guide you from application to completion. Whether you’re looking to release equity, secure an auction property, or need urgent cash for a project, an equitable 2nd charge bridge may offer the perfect solution.

FAQs: Equitable 2nd Charge Bridging Loans

• Who is eligible for an equitable 2nd charge bridging loan?
  Property owners with existing first mortgages can apply; suitability depends on available equity and exit strategy.
• Do I need consent from my main mortgage lender?
  No—this product is specifically designed to proceed without first lender consent, expediting the process.
• How quickly can funds be released?
  In many cases, completion can occur within a matter of days, subject to due diligence.
• Can I use this loan for residential or investment purposes?
  Yes – lending covers residential, buy-to-let, and some semi-commercial properties.
• How do I apply?
  Reach out to our specialist brokers for an initial assessment and tailored product illustration.