The Mortgage Lender

How to register with this lender as a new user

How to register with this lender:

Click here to Register with The Mortgage Lender.

How to add Mortgage Club as a payment route with this lender

Use our Submission Route Guide to register L&G Mortgage Club as your payment route.

How to contact this lender

Our dedicated Business Development Managers are on hand to provide support at any time by phone or email

Exclusively for you

In addition to waiving our application fee of £150 and reducing our whole of market rates making our TML 1, 2 & 3 products more competitive, we are proud as punch to offer an L&G exclusive of £200 off the completion fee as well. 

To find out more, get in touch with Laura Sneddon on 07841 054121.

The home of real life lending

We’re an independent mortgage provider at the heart of what some people call the ‘specialist mortgage market’.

Thing is, we don’t feel “specialist mortgages” is really us. 

We prefer to describe what we do as ‘lifestyle lending’. 

Our whole reason for being is to provide mortgages to people with less than usual lifestyles. It’s called real life.   

We love to lend

Nowadays, it’s perfectly normal to be freelance or self-employed, divorced or single. Having less than usual lifestyles is the new normal to us.

Be assured that real, friendly and accessible underwriters make decisions on all our cases, as this bit is too important to leave to computers and faceless process.

It’s our flexible approach to our customers that truly sets us apart.

Collaborate to innovate

We understand that less than usual circumstances are often overlooked by the mainstream.

We are dedicated to collaborating with Intermediaries to combine innovation, quality and simplicity to provide a service that’s worth shouting about.

Special really is the new norm

At The Mortgage Lender, we love to lend. We’re not like some of the less flexible mortgage businesses. We don’t use credit score cascading and we always watch our rates.


Residential product range highlights:

  • Mortgages up to 85% LTV
  • Flexible approach to gaps in employment history
  • Family gifted equity up to 75% LTV on TML1 and TML2
  • Contractors income calculation up to weekly rate x 48
  • New Build mortgages up to 85% LTV with 5% builder deposit/incentive considered


Buy-To-Let product range highlights:

  • Mortgages up to 80% LTV including Ltd companies and HMO’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) 


It's good to chat

To get in touch, visit our website, or contact us by phone or email.

For Intermediary sales enquiries: 0344 257 0418*


For Intermediary registration support: 0344 257 0418*


For Intermediary Underwriter enquiries: 0344 257 0421*


For all other enquiries: 0344 257 0416*



Fee received from lender
(Gross fee)
We'll pay you
(Net fee)
Residential 0.600% 0.500%
Buy to Let 0.600% 0.500%