MT Finance is a specialist finance lender based in London, offering bridging loans, buy-to-let mortgages, and commercial mortgages. It was established in 2008 and has since expanded from its original bridging and auction finance products into a broader specialist lending business.
Office address: Level 20, Broadgate Tower, 20 Primrose Street, London EC2A 2EW
Website: mt-finance.com
Year established: 2008
Company type: specialist financial services
Employees: 100+
Expertise: bridging loans, short-term finance, development finance, buy-to-let mortgages, semi-commercial mortgages, commercial mortgages
Parent company: N/A
Key people: Tomer Aboody (founding director), Joshua Elash (founding director), Gareth Lewis (deputy CEO), Marylen Edwards (director of mortgages), Raphael Benggio (director of bridging), Shyam Kotecha (chief compliance officer)
Financing status: private equity-backed
The lender's bridging loans are designed to support a wide range of borrowers, from residential buyers needing short-term finance to investors purchasing at auction. Key features include:
MT Finance's buy-to-let mortgages are aimed at landlords and portfolio investors, covering a range of property types beyond standard residential lets. Key features include:
Its commercial mortgages serve both individual and company borrowers, with products split across standard and specialist criteria depending on the property type. Key features include:
Standard criteria:
Specialist criteria:
The firm was established in 2008, specialising in bridging loans and auction finance. It signed the Women in Finance Charter in 2018, the same year it moved to larger premises in Holborn.
In 2019, it secured £100 million in funding from a global institutional investment manager. It introduced regulated bridging products in 2021 alongside a new ESG policy. In 2023, an investment from J.P. Morgan supported MT Finance's expansion into the buy-to-let and commercial mortgage sectors.
MT Finance also appears in Mortgage Introducer reporting. Notable moments include:
One of the firm's operations directors was named among the UK's best women mortgage leaders in Mortgage Introducer's 2026 Elite Women list. The list recognises women in senior mortgage industry roles for their contributions to lending growth, product development, and industry standards over the past year.
Brokers surveyed by Mortgage Introducer have named MT Finance among the specialist lenders they rate for service and flexibility, alongside Masthaven and Shawbrook.
Its bridging arm also contributes to sector-level commentary. The firm's bridging director has provided analysis on Bridging Trends data, which showed unregulated bridging rising to 59% of the market in Q1 2026, the highest level since Q4 2021.
MT Finance says it built its approach around three values: speed, service, and transparency. It describes these as:
The firm has held Women in Finance Charter membership since 2018 and says its internal diversity initiatives include:
MT Finance also introduced an ESG policy in 2021. It says this includes carbon neutrality targets and commitments on employee relations and equal opportunities. On the community side, MT Finance points to an annual football festival for Great Ormond Street Hospital, employee-led charity walks, and more.
Joshua Elash, founding director
Elash holds an LLB from University College London and is a qualified New York State attorney. He began his career at National Westminster Bank before practising commercial and real estate law, then moved into investment management in 2007. He oversees MT Finance's underwriting process and strategic growth plans, and has provided commentary on Bank of England rate decisions for Mortgage Introducer.
Tomer Aboody, founding director
Aboody has more than 20 years of experience in property investment in the UK and abroad. He says the firm's underwriting approach centres on assessing the property and listening to the borrower, rather than relying solely on computer-generated credit reports.
Gareth Lewis, deputy CEO
Lewis joined as commercial director in 2018, became managing director in 2023, and moved into the deputy CEO role in 2025. He was involved in launching MT Finance's regulated bridging, buy-to-let, and commercial mortgage divisions, and now oversees coordination across the group's divisions.
Marylen Edwards, director of mortgages
Edwards joined in 2022 after more than 30 years in financial services, including roles at Lloyds Bank, Metro Bank, and Axis Bank. She was appointed to the board in 2024 and became director of mortgages in 2025, overseeing the buy-to-let and commercial mortgage departments.
Raphael Benggio, director of bridging
Benggio joined in 2020 to set up the firm's regulated bridging department. He is CEMAP qualified and has more than 12 years of experience in bridging, refurbishment, and development finance underwriting. He was promoted to director of bridging in March 2025.
Shyam Kotecha, chief compliance officer
Kotecha joined as head of compliance and MLRO in June 2019 and was appointed to the board in May 2023. He previously held compliance roles at Barclays and the FCA, and led the firm's application for regulated bridging status in 2020.
It has expanded from a bridging specialist into a broader property finance lender covering buy-to-let and commercial mortgages. Its 2023 investment from J.P. Morgan supported that expansion, and it says it continues to develop new products in the regulated bridging space.
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