Market Harborough Building Society

About Market Harborough Building Society

Market Harborough Building Society was founded in 1870 and has been member-owned ever since — a mutual with no external shareholders, meaning every decision is made in the interests of its borrowing and saving members. The society has been helping people finance property for more than 150 years and today describes itself as one of the UK's fastest-growing building societies, with a deliberate focus on the specialist lending market that mainstream banks consistently underserve.

The bridging proposition is one of the most competitive from any regulated UK lender. At 0.57% per month on a 12-month term, MHBS pricing sits significantly below what most specialist bridging lenders charge — a consequence of the society's balance sheet strength and conservative funding model rather than a race-to-the-bottom on margins. Unlike many lenders, MHBS can offer both regulated and unregulated bridging, making it viable for a range of scenarios including owner-occupied purchases and chain breaks.

The society runs a daily Credit Committee — an unusual operational discipline that allows rapid decisions without the multi-day approval chains that slow things down at larger institutions. Brokers with active relationships describe consistent access to their dedicated underwriter, clear updates, and a "yes means yes" commitment that means terms issued don't subsequently change without material new information. Four consecutive Feefo Platinum Trusted Service Awards reflect that consistency.

Bridging Loans from Market Harborough Building Society

MHBS lends from £200,000 to £5 million, with terms up to 12 months and LTVs up to 70%. Rates from 0.57% per month — among the lowest available from any FCA-regulated bridging lender. Both regulated and unregulated products are available. The society lends on properties in England, Wales and central Scotland, accepting up to four applicants and incomes, with no upper age limit on let or bridging finance.

What Can MHBS Finance?

• Residential bridging — purchase, chain break and capital raise
• Regulated bridging for owner-occupied scenarios
• High net worth bridging and complex income structures
• Unusual and non-standard property types
• Expat and foreign national borrowers
• Large loans £3m–£5m via limited-edition products

How to Apply with Market Harborough Building Society

MHBS works exclusively through registered intermediaries. Brokers can register through their partnered mortgage club or contact a Specialist Business Development Manager directly. The 24/7 Case Hub provides real-time case tracking once an application is in progress. Initial enquiries should be directed via [email protected] or by phone to the team at Market Harborough.