RESIDENTIAL MORTGAGES

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Mortgages that make a difference

Real life is complicated, but lending doesn’t have to be. Our range of flexible mortgages are designed for all those with complex circumstances; for the entrepreneurs, the creatives, the self-employed and those on commission and bonuses.

We can help the first-timers and the re-mortgagers too. That’s more cases, and potentially more business for you.

Explore Residential Mortgages

We can help with...

Self Employed

Profit pre-tax & salary on latest figures

Contractors

New & existing CIS workers treated as employed

Complex Incomes

100% of overtime, bonus, commission & second jobs

Impaired Credit

Arrears, CCJ's, Defaults, IVA's, Bankruptcies

Discover More

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Residential Product Range

Residential mortgages for real life, not perfect profiles. So you could help more people get onto the property ladder, or move up a rung or two.

Residential Mortgages Affordability Calculator

The perfect tool to help your client understand what they can afford.

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Residential Mortgages Lending Criteria

Check out our lending criteria, it is flexible and designed with your customers in mind.

All you need to succeed

Checklists, essential documents and more.

Residential Documents
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Residential Submission Guide
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Real Life Lending Stories

Check out our Content Hub for Broker guidance, case studies, news and more.

Visit Our Content Hub

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New Policy For Housing

The 2024 July general election brought housing to the forefront of the political debate. Voters were rightly concerned about the housing crisis, asking questions around the availability of homes and the ability of first-time buyers (FTBs) to get onto the property ladder.

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The Broker’s Guide To Lead Generation

For mortgage brokers, generating a steady flow of leads is the bread and butter of maintaining a healthy pipeline and, ultimately, a successful mortgage business. While some brokers excel in this area, others find lead generation to be one of the most challenging aspects of their work.

Shawbrook Bank acquires TML

Shawbrook Bank has acquired The Mortgage Lender for an undisclosed sum underpinning its plans to grow market share in residential and buy to let markets.

Looking for something else?

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About Us

The Mortgage Lender (TML) is an award-winning specialist lender, offering products for the self-employed, those with credit blips, the buy-to-letters, and everyone in between.

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Get in touch with us

Got a question about an application? Or want to double check some details? Give us a call and we'll get to the bottom of it.

Come to the wrong place?

We only sell our products through expert broker partners, so you can't apply to us directly for your own mortgage. If you're shopping for yourself, jump over to the Customer area for more information.