MS Lending Group Company Research Report
Company Overview
- Name: MS Lending Group
- Mission: MS Lending Group aims to make lending easy, fast, and flexible by providing bridging finance solutions for residential, semi-commercial, and commercial properties. The company emphasizes real products created by real people, making real decisions.
- Founded: January 2021 by Michael Stratton
- Key People:
- Michael Stratton - CEO & Founder
- Alexandra Stratton - CMO & Shareholder
- Diane Moore - Head of Operations
- Stephen Alcock - Finance Director
- Matt Blake - Non-Exec Board Member
- Headquarters: 2nd Floor, Cypress House, 3 Grove Ave, Wilmslow, SK9 5EG
- Number of Employees: Detailed team member information is provided, but the exact number of employees is not specified.
- Revenue: No information is available.
- Known For: MS Lending Group is known for its bridging finance solutions that enable quick access to funds for property purchases and developments. The company's approach involves no fixed product range, allowing for flexibility and individualized underwriting per case.
Products
MS Lending Group offers a variety of bridging finance products designed to meet specific client needs across different property types:
1. Residential Purchase Bridging Loan
- Description: Provides up to 75% loan-to-value (LTV) for residential property purchases.
- Key Features: Quick access to funds, no minimum loan size, desktop valuations up to £2 million.
2. Semi-Commercial Bridging Loan
- Description: Offers up to 70% LTV for properties that are both residential and commercial.
- Key Features: Flexibility to include semi-commercial properties, quick funding process.
3. Residential Capital Raise Bridging Loan
- Description: Provides up to 70% LTV for raising capital on residential properties.
- Key Features: Allows property owners to release equity for additional uses.
4. Commercial Bridging Loan (Excluding Land)
- Description: Offers up to 65% LTV for commercial properties.
- Key Features: Excludes land purchases, focuses on cash flow and commercial expansion.
5. HMO’s (House in Multiple Occupancy) Bridging Loan
- Description: Provides up to 70% LTV for HMO properties.
- Key Features: Suitable for properties intended for shared residential accommodation.
6. Land Bridging Loan
- Description: Provides up to 50% LTV for land purchases.
- Key Features: Targets investors looking to purchase undeveloped land.
7. 85% Day 1 Light Refurbishment Bridge
- Description: Offers high loan-to-value for light refurbishments.
- Key Features: Fast and flexible lending with no tranche releases.
8. MSXC Product
- Description: Quick completion bridging loan, intended for auction purchases or tight timescales.
- Key Features: No full valuation needed, desktop valuations up to £2 million.
9. ESG Product
- Description: Encourages improvements in Energy Performance Certificate (EPC) ratings with potential refunds.
- Key Features: Offered on residential properties with an energy performance incentive.
Recent Developments
- New Products:
- The introduction of unique products like the Day Rate bridging loan, allowing customers to pay only for the days they need the funds, and the MSXC product for rapid transactions, indicates strategic innovation catering to market needs.
- Business Record:
- In January 2024, MS Lending Group reported record-breaking results for Q4, showing significant growth since its establishment in 2021.
- High-Profile Transactions:
- In December 2024, MS Lending Group completed a £10.8 million loan for a Cheshire-based entrepreneur to refinance a development project.
- Partnerships: No specific new partnership information is provided.
This report provides a comprehensive overview of MS Lending Group's offerings, leadership, and recent milestones, focusing exclusively on available data.
