What is Smart Search
why choose us
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DESKTOP VALUATION UP TO £2M
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MAX LOAN UP TO £3M
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NO MIN LOAN SIZE
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DECISION MAKERS
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TERMS WITHIN HOURS
What is the MSXC Bridging Loan Product?
MSXC is a unique exchange bridging loan product from us at MS Lending Group, built specifically for situations where completion must happen fast, often within four weeks or less.
Whether you’re buying at auction, working to a tight completion date, or even in the midst of a chain that’s at risk of collapsing, MSXC is designed to provide certainty and speed at one of the most time sensitive stages of a property transaction.
This is a first charge bridging loan product, available on residential, semi-commercial, and commercial properties. MSXC allows borrowing of up to £750,000 with no valuation required and up to £2 million using a desktop valuation.
Whatsmore, we boast flexible terms with no minimum loan size and a maximum loan amount of £3 million (or more on request).
Borrowers can access up to 75% loan-to-value on residential property and up to 70% on semi-commercial or commercial property.
MS Lending Group also guarantees same-day legal instruction once terms are accepted, ensuring that transactions can progress without delay.
Backed by a reputation for quick completions and consistent delivery, MSXC is a product designed for borrowers who need to move fast and who need a lender that can match their pace.
Luckily, at MS Lending Group, we do just that.
How Can This Help You During Commercial Purchases?
The success or failure of commercial property transactions often hinge on the ability to complete quickly after exchange.
That being said, traditional mortgage lenders or even many bridging providers can’t always meet the tight timescales required, especially when full property valuations and extended underwriting processes are involved.
That’s where MSXC steps in.
If you’ve exchanged contracts and are now facing a completion deadline in less than four weeks, MSXC offers a practical solution to avoid delays or penalties.
This product is particularly well-suited to buyers at auction, where timeframes are fixed without leniency.
It also supports investors or homebuyers dealing with broken chains, refinancing issues, or opportunities that require swift action.
By streamlining the valuation process and moving immediately to instruct solicitors, MSXC removes some of the most common obstacles in rapid completions. If you’re under pressure and need a lender who can act fast and deliver on their promises, MSXC is the product designed with your situation in mind.
The Benefits of Our MSCX Bridging Loan
Choosing MSXC means access to a product designed specifically for urgency, flexibility, and speed. The benefits include, but aren’t limited to:
- Speedy completion
- No valuation for loans up to £750,000
- Desktop valuations accepted for loans up to £2 million
- No minimum term and flexible options up to 18 months
- Up to 75% LTV on residential and 70% on commercial/semi-commercial
- All credit types considered
This product is built around speed and simplicity, two areas where our team at MS Lending Group consistently delivers.
Why Choose MS Lending Group for Fast Bridging Finance During Exchange or Completion
At MS Lending Group, we understand the pressure our clients face when approaching a fixed completion deadline, time moves fast and it is hard to juggle the stress of moving with the mechanics of a residential sale.
It’s for that reason that we have built MSXC as a bridging solution that removes obstacles, avoids unnecessary valuation delays, and gets your legal team working on day one.
We know that every hour counts when you’ve exchanged and are racing toward completion.
So, with that in mind, our team works closely with panel managers and solicitors to ensure a joined-up, no-fuss process.
Unlike lenders who may hesitate or slow things down with unnecessary admin, we’re focused on helping you meet your deadline without compromise.
As our CEO puts it, fast completions aren’t just something we can do, they’re our bread and butter. If time is tight and you need a team that moves at your pace, MS Lending Group is ready to act in your favour, so, get in touch today.
frequently asked questions
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Submit our application form or speak to one of our team members if you have any questions
client testimonials
Pretty seamless experience. Speed of underwriting was top notch, knowledge of loan (security and product) was clear and thorough, and the appetite to lend was excellent.
Even when the underwriting process stalled (borrower-side delays), regular check-ins from the team to make sure everything was okay meant that the deal was kept alive and well so that when the borrower was in a position to complete, there were no delays.
BROKER
MS Lending Group pulled it out the bag once again! When they say they’ll deliver, you can absolutely trust that they will!
This was one of those cases where everything came down to the wire. The MS Lending Group team stepped up brilliantly, taking a proactive, common-sense approach and working tirelessly to make sure we got it over the line.
Their calm under pressure, responsiveness, and determination to find solutions made all the difference. It’s always a pleasure working with professionals who genuinely care about helping brokers and clients achieve the right outcome.
BROKER
The case was submitted with a really tight deadline, so needed clear communication and speed throughout.
The team worked really hard to complete this case in time for the applicant. They were communicative, efficient and motivated to get our application over the line.
We were really impressed with the service from start to finish and wouldn’t hesitate to use MS Lending Group or future cases!
BROKER
Speed and efficiency were absolutely top-notch, and communication was first class.
The solicitors were excellent too, keeping things moving without a hitch!
BROKER
Our client called in an extreme sense of panic as he was approaching the end of his notice period on which he had exchanged on and was at risk of losing a hefty deposit.
Given this, the only lender who would meet the deadline with a desktop valuation was MS Lending Group.
The whole process was extremely efficient, quick and smooth!
BROKER
Super fast service! The application was sent on a Tuesday evening, the desktop valuation was done quickly, and funds released on the Friday, so extremely happy!
BROKER
Fast turnaround times, excellent responsiveness, and outstanding customer care are consistently delivered by the team at MS Lending Group.
Having completed five deals within a short space of time, I have nothing but positive feedback.
There is always a solution-driven approach to getting the deal over the line!
BROKER
Fantastic service – application to completion in 12 working days!
Auction purchase with a 15-day completion time on a semi-commercial property. The ability to use a desktop valuation along with the speed of the underwriting meant a great result for the client.
BROKER
The communication throughout the entire process was outstanding.
The team were incredibly responsive, answering all questions promptly and providing regular updates on the status of my application.
I never felt left in the dark, the application process was straightforward and well organised.
BROKER
Excellent speed and response times to all queries.
With a very tight timescale for the client, all parts of the operation pulled together to get there in a very small amount of time!
I cannot fault anything with the whole process!
BROKER
MS Lending Group were phenomenal as always!
The ‘get the deal done’ ethos is (with a lot of lenders) exactly what is missing in bridging, but not with MS Lending Group.
A common-sense approach over the tick-box exercise mentality applied by some is refreshing to say the least! The staff are great too, really friendly and helpful!
BROKER
Communication with everyone at MS Lending Group, in particular Mike Watson, was exceptional.
Clear, concise, common-sense approach to all queries raised and a very fast process with no delayed SLA queues.
17 days, including weekends, from application to completion!
BROKER
Communication is always exemplary with the team at MS Lending Group.
I really value the relationship that we have and the continued support that we get to help our clients.
BROKER
The service was amazing! From the start of the deal with Adam to the application team, everything was so smooth!
The requirements asked for were completely reasonable, and everything was reviewed within a 2-hour turnaround time (if not hours)!
The whole process from start to finish was outstanding, especially on such a sensitive case.
BROKER
The Speed and communication from the team at MS Lending Group, from the Relationship Managers, through to the Underwriters, was top-notch.
The ability to use a desktop valuation on a £1.2m property was the key to recommending MS Lending Group since we’d already lost a few weeks on an auction purchase after the all too familiar back and forth with a very cautious Underwriter for another lender.
BROKER
The customer service throughout.
The communication was excellent. Was never left waiting for a response.
The turn around. It was a matter of less than a week once everything was provided.
BROKER
As always, second to none service from MS Lending Group.
Speed, service, simplicity as is the MS Lending Group way.
Special shout out to Sam Bryce and Aimee Everton who were on top form throughout with updates, requests and another on-time completion!
BROKER
Most recently, a client of ours had been let down from their lender at the very last minute. They were really up against it in terms of time, and typically this business would have been lost. Knowing MS Lending Group entered the market with a no valuation necessary product up to £500,000, we quickly got in touch.
MS Lending Group approved the transaction within 24 hours, instructed solicitors, and the client was able to complete before their completion date. It was refreshing to see such a new business working in a slick and professional way.
BROKER
The communication and speed have been second to none. There seems to be many touch points by both the sales team and underwriter throughout which has kept the deal moving at pace throughout.
It really helps when all sides are communicating and are motivated in getting the deal done.
BROKER
The service was amazing! From the start of the deal with Adam, to the application team, everything was so smooth!
The requirements asked for were completely reasonable and everything was reviewed within a 24 hour turnaround time (if not hours)!
The whole process from start to finish was outstanding, especially on such a time sensitive case.
BROKER
news & Insights
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