We know mortgage advisers have a choice of lenders, so we’ve listed some of the advantages of dealing with The Mortgage Lender Limited (TML).

We’re focused on service

  • Direct access to underwriters based in Glasgow
  • True case management and ownership
  • We have a team of experienced key account managers dedicated to providing you with excellent service
  • Immediate Decision In Principle via our online system
  • Applications assessed on working day of receipt
  • Valuation instructed upon submission of key documents

Simple affordability approach

  • We have devised a simple and effective approach to assessing applicant affordability
  • Most of the demographic data we use to assess affordability is electronically obtained
  • This key information allows brokers to spend less time inputting data
  • Our affordability model enables us to assess current and future affordability

Flexible approach to income

  • Income multiples up to 4.5 x single, 4 x joint
  • Personal / occupational pension income can be considered as the sole source of income (minimum gross income for one person is £15,000 per annum)
  • 100% of second incomes can be considered
  • We will accept maintenance payments as a form of income, as long as there is a court order and a minimum remaining term of 5 years
  • Will consider 100% of basic salary, car allowance, and pension
  • Read more about our products and criteria

Wide range of property considered

  • Minimum property value £70,000, minimum £150,000 in London & South East
  • Ex local authority properties acceptable up to 75% LTV (properties within buildings of max 5 floors)
  • Properties with up to 3 acres of land considered
  • We’ll also lend in mainland Scotland (subject to some postcode exclusions)

Competitive maximum loans

  • £1 million up to a maximum 70% LTV
  • £800,000 up to a maximum 75% LTV
  • £600,000 up to a maximum 80% LTV
  • £400,000 up to a maximum 85% LTV
  • First time buyer maximum 80% LTV (FTB definition: where no party to the mortgage has held a mortgage within the last 12 months)

Contact our Intermediary Sales Team to find out more about working with us.


Are you an applicant or an existing customer?  Please visit our customer website. 

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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.