The Mortgage Lender

Introduction
The Mortgage (TML) is a challenger brand in the UK mortgage market. Launched in 2016, TML provides borrowers with an alternative to the High Street. TML is an intermediary-only lender, founded by an experienced and proven team with a successful track record of growth in a regulated environment.
With bespoke underwriting and products, they cater for a wide range of borrowers, including:
- Employed
- Self-employed or contract workers
- Lending into retirement
- Those with an imperfect credit history
To find out more about the lending criteria of TML’s products click here.
Key Features:
- Employed – Standard status borrowers who do not meet the requirements of high street lenders
- Self-employed – Up to 85% LTV if over 24 months’ trading time (80% LTV maximum if 12 – 24 months’ trading)
- Contractors – Contract workers considered if 6 months of continuous service completed and 6 months of contract to run (not necessarily with same employer)
- Lending into retirement – Will lend up to age 80 (at the end of the term) as long as the applicant’s retirement income supports the lending requested
- Impaired credit – Products cater for applicants who have an imperfect credit history, including County Court Judgement, arrears on secured or unsecured lending or defaults
- Certainty – 98% of TML’s offers are issued on the same product rate as selected at application following an accepted Decision in Principle
- Competitive – 1 in 3 of TML borrowers qualifies for their lowest rate
Registration Process:
Register for The Mortgages Lender using their online portal.
This allows you to select what club you are using to ensure you recieve the correct procuration fee.
Contact details:
For new enquiries call the TML Intermediary Helpdesk on 0344 257 0418 or email sales@themortgagelender.com.
A full list of TML’s sales team contacts can be viewed here.
Get in touch with us today.
Need criteria support? Contact the experts on our Broker Support Team.