We're an independent mortgage lender at the heart of what some people call the 'specialist mortgage market'. Thing is, this isn't really us. We prefer to describe what we do as 'lifestyle lending'. Nowadays, it's perfectly normal to be freelance or self-employed, divorced or single. It's called real life.

Friendly and accessible underwriters make decisions on all our cases and unlike some of the less flexible mortgage businesses, we don't use credit score cascading and we always watch our rates. At The Mortgage Lender, we love to lend.


Residential product range highlights:

- Mortgages up to 90% LTV

- Flexible approach to gaps in employment history

- Family gifted equity up to 75% LTV on Real Life 1 to Real Life 6 products.

- Contractors income calculation up to weekly rate x 48

- New Build mortgages up to 85% LTV with 5% builder deposit/incentive considered

- Cashback range available

Buy-To-Let product range highlights:

- Mortgages up to 80% LTV for Individuals, Ltd Companies and HMO/MUB’s

- Communications and utility defaults and arrears are not considered as impaired credit

- Flats above commercial considered

- We lend in Scotland, England and Wales

- No minimum income required

- Maximum loan £2 million (subject to LTV)


Online Portal

TML’s online portal offers the following functionality:

  • DIPs, applications, case tracking, document submission
  • Real time application status updates, with case documentation available directly from our online system
  • Upload directly against outstanding checklist items, ensuring that supporting documents go straight into TML work queues for the case
  • Advisers can provide update notes directly into the case work queue to provide any additional information 

Online registration is simple and straightforward simply visit TML’s online portal here to register.

If you’re a mortgage intermediary and have a case to discuss, call us on 0344 257 0418 or email sales@themortgagelender.com


The Mortgage Lender

Proc Fees

Product: Residential
Gross: 0.80%*
Net: 0.50%
Min: *Includes a marketing allowance. The gross for members is 0.58%