MT Finance has reduced rates across its commercial lending range while unveiling a new limited-time HMO proposition offering up to 80% loan-to-value on 5-year fixed-rate products for properties of up to eight bedrooms.

The latest changes are aimed squarely at professional investors seeking higher-yielding assets, particularly within the HMO and multi-let sector, where demand has remained resilient despite wider market pressures.

By increasing leverage and reducing pricing, the lender is significantly lowering the capital barrier for borrowers looking to purchase or refinance larger, income-generating properties.

The enhanced HMO offering is expected to appeal to both experienced landlords and portfolio investors who are adapting their strategies in response to tighter margins in the single-let market.

INTEREST RATE VOLATILITY

Higher LTVs can help free up capital for further investment, refurbishment or portfolio consolidation, while the certainty of a 5-year fixed rate provides greater protection against ongoing interest rate volatility.

Alongside the new HMO deal, MT Finance has cut rates across its broader commercial product range, reinforcing its focus on flexibility, affordability and speed of execution.

The lender says the changes reflect ongoing feedback from brokers and a commitment to evolving its proposition in line with real-world market conditions.

MT Finance has built a strong reputation in the specialist lending space for rapid underwriting, pragmatic decision-making and a willingness to support complex cases.

The latest repricing is designed to ensure brokers continue to have competitive options for clients operating in an increasingly selective commercial finance environment.

AGILE AND RESPONSIVE

Gareth Lewis (main picture), deputy chief executive at MT Finance, said the lender remains focused on staying responsive as investor priorities shift.

He added: “Our goal is to remain agile and responsive to the needs of our brokers and their clients,” he said.

“By lowering rates across our commercial range and introducing an 80% LTV limit for our HMO offer, we are giving our clients significantly more borrowing capacity to achieve their property goals efficiently in the current market.”