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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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
We're working on adding live mortgage rate information for The Mortgage Lender. In the meantime, visit their website for the latest rates.
View rates on The Mortgage LenderApplication 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 only available through mortgage brokers. Use our broker directory to find a broker with The Mortgage Lender on their lender panel.
Contact Information
Need a The Mortgage Lender Broker?
Find FCA-regulated mortgage brokers who have The Mortgage Lender on their lender 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.