3mc Mortgages

3mc Mortgages Family run, national mortgage brokerage that has been established since 1996. Whole of market. Ex-pats, self-employed. Purchase assistance

HMO’s, commercial, semi commercial, Portfolio landlords, First time buyers. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/) under reference 302992. Registered address: 6 St. George’s Court, Altrincham Business Park, Altrincham WA14 5UA. Registered in England NO. 3547703

This is an advertis

ement only and in no way should it be viewed as a personal recommendation or advice. Before a recommendation/advice can be given, you should seek independent mortgage advice so that they can understand your circumstances before any advice is given. Please note: We can advise/arrange Business Buy to Let (BBTL) and Consumer Buy to Lets (CBTL). Of the two, only Consumer Buy to Lets are regulated by the FCA. Please note the FCA do not regulate Business Buy to Lets (BBTL). THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

EPC by 2030: What It'll Cost Landlords and How to Finance ItThis article updates our earlier piece on EPC and BTL financ...
07/09/2026

EPC by 2030: What It'll Cost Landlords and How to Finance It

This article updates our earlier piece on EPC and BTL finance, replacing the old proposals with the confirmed rules, and focuses on the question landlords actually ask: how do you pay for it?

https://www.3-mc.com/epc-2030-update/

✅ What the Warm Homes Plan Confirmed
✅ What Will It Actually Cost?
✅ Financing the Work: Four Routes for Landlords
✅ Portfolio Landlords: Plan Property by Property

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 302992. Please note: The FCA does not regulate Business Buy to Let Mortgages.

06/09/2026

Whenever a customer reviews our service, we are beyond grateful. Sharing is caring as they say and we are certainly glad that you do.

If you would like to share your 3mc experience head on over to Google to create a review >>> https://g.page/r/CTH5NTjdrUQ2EBM/

"The experience with 3mc mortgages are all excellent. Our broker has always sorted anything that we ask so swiftly and never fails to deliver what they say. Not forgetting the rest of the team that complete the whole process with great communication. I’ve used these guys multiple times and will definitely be using them again without a second thought."

ARTICLE: Short-Term Lets, Holiday lets and Serviced Accommodation: Finance. Planning & LicensingShort-term letting has b...
04/09/2026

ARTICLE: Short-Term Lets, Holiday lets and Serviced Accommodation: Finance. Planning & Licensing

Short-term letting has become one of the most active corners of the property investment market and one of the most misunderstood. Holiday lets and serviced accommodation aren't simply buy-to-lets with better photos.

If you're buying, converting, or refinancing a short-term let, here's what's changed and how to finance it properly.

Read more: https://www.3-mc.com/financing-short-term-lets/

✅ What Counts as a Short-Term Let?
✅ What's Changed: The New Planning and Registration Landscape
✅ The 90-Day Rule (London and Elsewhere)
✅ Financing a Holiday Let or Serviced Accommodation Purchase
✅ How Lenders Assess Holiday Let Income
✅ Deposit and Rate Expectations
✅ Serviced Accommodation and Semi-Commercial Treatment
✅ Funding a Conversion: Bridging and Refurbishment Finance
✅ Raising Capital Against an Existing Holiday Let
✅ Licensing: Don't Confuse It With Registration
✅Getting the Finance Right From the Start

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.

03/09/2026

SEMI-COMMERCIAL VERSUS COMMERCIAL

Most landlords researching this topic start by asking “which is cheaper, semi-commercial or full commercial?” That’s the wrong first question. The right first question is whether your property even qualifies as semi-commercial in the first place, because the answer determines which entire category of lender you’re allowed to approach and the two categories don’t compete on the same pricing at all.

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 302992. Please note: The FCA does not regulate Business Buy to Let Mortgages.

01/09/2026

Introducing The Mortgage Lender (TML) - 3mc Mortgage Academy sponsors for September.

We're looking forward to their exclusive seminar on HMOs on the 16th.

Learn more about the 3mc Mortgage Academy: https://www.3-mc.com/mortgage-academy/

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.

30/08/2026

Whenever a customer reviews our service, we are beyond grateful. Sharing is caring as they say and we are certainly glad that you do.

If you would like to share your 3mc experience head on over to Google to create a review >>> https://g.page/r/CTH5NTjdrUQ2EBM/

"Very professional and always a swift response."

28/08/2026

NEW BUILD MORTGAGE DEPOSITS EXPLAINED

Buying a new build is one of the more straightforward routes onto the property ladder, or up it: a warranty on the building, no chain to manage, and a finish you don’t have to touch for years.

Here’s a plain-English guide to how new build mortgages work, what to ask your broker, and how to make sure your deposit and your offer line up smoothly with your completion date.

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 302992. Please note: The FCA does not regulate Business Buy to Let Mortgages.

How Mortgage Length Affects Your Monthly RepaymentsThis guide explains the different ways a mortgage can be structured, ...
25/08/2026

How Mortgage Length Affects Your Monthly Repayments

This guide explains the different ways a mortgage can be structured, how mortgage length affects monthly repayments, the difference between the mortgage term and the mortgage deal, and the key things to check before you commit. There’s an FAQ section at the end answering the questions borrowers ask most.

Read more: https://www.3-mc.com/how-mortgage-length-affrects-monthly-repayments/

✅ Types of mortgage payment options
✅ Capital and interest vs interest-only: a quick summary
✅ What “mortgage length” actually means
✅ How the mortgage term affects your monthly repayments
✅ How the deal length affects your repayments
✅ Finding the right balance
✅ Key things to consider before choosing a mortgage
✅ Frequently asked questions

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 302992. Please note: The FCA does not regulate Business Buy to Let Mortgages.

24/08/2026

Welcome Tia to the team of Case Managers here at 3mc. Tia has recently completed her accounting qualifications and looking to expand her career into Mortgages. Tia knows she has the option to study CeMAP and gain her qualification in mortgage advising.

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992.

23/08/2026

Our team are genuinely delighted when customers share their first-hand experience. A pat on the back is always welcome.

If you would like to share your 3mc experience just head on over to Google to create a review >>> https://g.page/r/CTH5NTjdrUQ2EBM/review

"Explained the process really well and kept me updated throughout. Will be using them again in the not to distant future."

Address

Altrincham
WA145UA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 10am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441619627800

Website

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