The Mortgage Lender
Specialist LenderThe Mortgage Lender (TML) is a specialist residential lender focused on self-employed borrowers and those with adverse credit histories. They use a manual underwriting approach to assess each application individually, providing solutions where automated systems would decline.
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About The Mortgage Lender
The Mortgage Lender (TML) was established as a specialist residential lender focused on borrowers who struggle to access mainstream mortgage products. TML uses a manual underwriting approach, assessing each application individually rather than relying on automated credit scoring. This has made TML a popular choice for self-employed borrowers and those with adverse credit.
TML focuses on residential lending and has developed criteria for complex income structures, including multiple income streams and contract workers. The lender considers credit events that would typically result in a decline from high-street banks. TML offers competitive rates for borrowers who can demonstrate affordability despite credit or income complexity.
The Mortgage Lender is broker-only and works with intermediaries across the UK. TML has built a reputation for pragmatic underwriting and transparent criteria. The lender is regulated by the FCA.
Lending Focus
The Mortgage Lender offers mortgage products across 2 categories including Residential, Adverse Credit.
Key Features
- Manual underwriting for every application
- Specialist self-employed income assessment
- Adverse credit products with flexible criteria
- Day-one business owners considered
- Fast decisions with named underwriter support
Pros & Cons
Pros
- Manual underwriting on every case gives genuine flexibility
- Considers day-one business owners for self-employed lending
- Named underwriter for each case ensures personalised service
- Specialist in both adverse credit and self-employed lending
Cons
- –Broker-only — cannot apply direct
- –Higher rates than mainstream lenders
- –Residential only — no buy-to-let or commercial products
Fees & Charges
- Arrangement Fee
- Typically £995 — varies by product
- Valuation Fee
- Based on property value — usually £200–£1,200
- Early Repayment Charge
- Typically 3–5% during fixed-rate period
- Overpayment Allowance
- Up to 10% per year on most products
Mortgage Rates
Rate data coming soon. View rates on The Mortgage Lender
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 85%
Frequently Asked Questions
Can The Mortgage Lender help if I just started my business?
Does The Mortgage Lender accept adverse credit?
What makes The Mortgage Lender different from other specialist lenders?
How to Apply
Broker only. The Mortgage Lender products are available through mortgage brokers. Find a broker with The Mortgage Lender on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.