Landlord Mortgages

Coronavirus Update From 3mc

3mc/RLA Mortgages has been monitoring the situation regarding the Coronavirus outbreak along with the advice set out by the UK Department of Health. 3mc is regulated by the Financial Conduct Authority (FCA) and as part of our responsibilities under the FCA we have a Business Continuity Plan (BCP) which has been tested and is fit for purpose as and when the need arises.

It is business as usual for 3mc/RLA Mortgages as we look to assist members with new business along with any queries that a member might have in respect of existing mortgages with guidance on government interventions.

Within the 3mc Business Continuity Plan there are 3 key areas that we have detailed below which will be applicable to all 3mc/RLA Mortgages customers.

  • Over the last 2 weeks we have tested the ability for all 3mc computer equipment to be used remotely by all 3mc team members.
  • Over the last 2 weeks we have tested the ability for all 3mc geographic telephone numbers to be answered remotely by the relevant 3mc team member.
  • Over the last 2 weeks we have contacted all 3mc suppliers to include lenders to establish their protocols for continuity of business.

3mc/RLA Mortgages will continue to monitor the latest government advice and will review and update our policies and plans in line with this advice including updating our customers as and when required.

3mc/RLA Mortgages would like to thank you all for your continued support and we wish you and your families good health during this unprecedented time.

RLA mortgages provide a wide range of specialist landlord mortgage products offering value for money when it comes to buy-to-let, HMO's, multi units on 1 title, limited companies, semi commercial and commercial investment property mortgages.

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What Do I Get? - RLA Members Get a Reduced Brokerage Fee of £295

  1. Exclusive mortgage deals not available on the open market
  2. Source your own deals and get a wider choice
  3. Get an adviser assessment, with no obligation to buy
  4. Use our instant mortgage and rent calculators
  5. Get funding of up to 85% of the property loan value

Our mortgage brokers have access to a vast portfolio of Buy To Let mortgage products (many of which are not available in the general marketplace), commercial mortgages and development finance.

Source your own mortgage products at or call an advisor on 0161 341 0581.

HMO (House in Multiple Occupancy)

A number of lenders have entered into the HMO market. Each lender tends to have a different approach in respect what is and what is not an acceptable HMO client and property.

Read more about HMO (House in Multiple Occupancy) Request a callback

Semi/Commercial Investment Property

A number of challenger banks have entered into the commercial funding market with a number of the lenders accepting interest only as a repayment vehicle.

Read more about Semi/commercial investment Request a callback

Multi Units on One Title

A number of lenders have entered into the multi-unit on one title market. Each lender has a different approach from the number of self-contained units.

Read more about Multi units on one title Request a callback

Limited Company

A number of lenders have entered into the limited company market. All lenders accept an SPV (special purpose vehicle) limited company set up for the sole purchase of property related transactions.

Read more about Limited Company Request a callback

Short Term Lending

A number of lenders have entered into the bridging market. The products tend to be used for speedy transactions and for security.

Read more about Short term lending Request a callback

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RLA Mortgages - It's Easy, Quick and Simple...

The Residential Landlords Association is an Introducer Appointed Representative of 3mc (UK) Limited. RLA Mortgages is operated exclusively for the RLA by 3mc, which is authorised and regulated by the Financial Conduct Authority. FCA No. 302992. ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Although the FCA regulate the way the majority of mortgages are sold, in most cases they do not regulate buy to let mortgages. This means you may have less protection if things go wrong with a buy-to-let mortgage. All calls are recorded for training and monitoring purposes.

Terms and Conditions

Please note that any contract for the supply of goods/services will be made between you and the provider of the goods/services; not with the Residential Landlords Association Limited or any of its associated companies. The RLA has no liability in relation to any contract entered into by you as the RLA only acts as in introducer

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