MS Lending Group
Specialist LenderMS Lending Group is a Manchester-based specialist lender offering bridging finance and development loans. One of the few major bridging lenders headquartered outside London, MS Lending Group serves property professionals across England and Wales with a focus on responsiveness and broker service.
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About MS Lending Group
MS Lending Group is a specialist property lender headquartered in Manchester, providing bridging finance and development loans to property investors and developers across England and Wales. As one of the few major bridging lenders based outside London, MS Lending Group brings a distinct, approachable service ethos to the specialist lending market. The lender was founded to provide reliable, flexible short-term funding for the professional property community.
MS Lending Group offers bridging loans for acquisitions, refinances, and refurbishment projects, as well as development finance for residential ground-up and conversion schemes. The lender takes a pragmatic approach to underwriting and is known for quick decision-making. MS Lending Group has particular expertise in regional property markets outside the South East.
MS Lending Group operates through broker partners and has built a strong reputation for responsive service and delivery on commitments. The lender's Manchester base gives it a strong understanding of regional property dynamics, complementing its lending across the whole of England and Wales.
Lending Focus
MS Lending Group offers mortgage products across 4 categories including Commercial, Bridging, Development and 1 more.
Key Features
- Bridging and development finance from one lender
- Manchester-based with strong regional market knowledge
- Pragmatic underwriting with quick decision-making
- Covers acquisitions, refinances, refurbishments, and ground-up development
- Responsive broker service with dedicated case management
Pros & Cons
Pros
- Strong understanding of regional property markets outside the South East
- Offers both bridging and development finance
- Quick decision-making with pragmatic underwriting
- Responsive, broker-focused service culture
Cons
- –Broker-only — no direct-to-consumer access
- –Coverage limited to England and Wales
- –Smaller lender — may have capacity constraints on very large deals
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — arranged through approved panel
- Early Repayment Charge
- No ERC — interest on full term or minimum period
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on MS Lending Group
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Where is MS Lending Group based?
Does MS Lending Group offer development finance?
How quickly can MS Lending Group complete a bridging loan?
Does MS Lending Group lend on properties outside London and the South East?
How to Apply
Broker only. MS Lending Group products are available through mortgage brokers. Find a broker with MS Lending Group on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.