Challenge Perceptions


People like to label things; it makes life simpler. When we were putting this business together we went for a name that says what we do, “The Mortgage Lender”.  It couldn’t be simpler, right?

Well maybe not. Because beyond a brand name, people want to label us as a certain type of lender, and most often that’s “specialist lender”. Yes, we do accept cases that some might, and do, call “specialist”, but that’s only a part of the picture.

This week we’ve launched #ChallengeTML.  The concept is really simple; we think we can beat a lot of rates from high street lenders, not just on cases with adverse credit or for the self-employed, but for what you might call “prime” or “near-prime” cases. So we want you to challenge us on this, and until the end of April we’ll make a donation to charity for every Decision In Principle we issue, as a thank you.

Now some of you might think, “that’s a waste of my time, those rates are just for headlines, my client won’t get that.” That could well be the case for other lenders, but not us. 

Here are some interesting figures you might not be aware of:

  • On average, a third of our borrowers qualify for our lowest rate
  • Over half of our borrowers fit in to our three lowest rate tiers
  • 9 out of 10 offers are made on the same product selected at application.

Following LIBOR reductions, we now offer rates from 1.95% for a 2 year tracker.

Now, with that information, do you think “specialist lender” is the right label?  I don’t, I think with those numbers and our rates we are a challenger lender. So why not challenge us on rates and see if we can deliver the best one for your client.

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The Mortgage Lender Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Firm Reference Number 707058). Registered in England & Wales as company number 9280057. Registered office address: Fifth Floor, 100 Victoria Street, Bristol BS1 6HZ.