Written by Mark Langshaw Reviewed by Lee Trett
3 April 2026
Lowest rate is currently 5.89% - 5 years fixed interest only mortgage at 75% LTV
1 April 2026
Lowest rate is currently % - 0 year interest only mortgage
19 March 2026
Lowest rate is currently 5.54% - 5 years fixed interest only mortgage at 75% LTV
17 January 2026
Lowest rate is currently 5.19% - 5 years fixed interest only mortgage at 75% LTV
28 December 2025
Lowest rate is currently 5.24% - 5 years fixed interest only mortgage at 75% LTV
20 April 2020
First Published
The Mortgage Lender (TML) has carved out a niche in the UK mortgage market by focusing on borrowers who may not fit the traditional lending criteria of high street banks. This guide provides an overview of The Mortgage Lender, its products, and what you need to know if you're considering them for your home loan.
If you want to compare the latest rates from The Mortgage Lender against the rest of the market, you can use our free mortgage sourcing tool below:
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About these rates
Rates shown are illustrative based on the property value, mortgage amount, and term you entered above. Actual rates and total cost depend on your credit profile, deposit, and lender assessment. APR figures include product fees where applicable. Early repayment charges may apply. Rates are not guaranteed and may change before you apply - speak to an adviser to confirm what's available to you today. For a per-product representative example, open Show full details on any card above.
Who are The Mortgage Lender?
Founded in 2015, The Mortgage Lender is a UK-based mortgage provider that works exclusively through mortgage intermediaries. In 2020, TML was acquired by Shawbrook Bank, further strengthening its position in the market. The company specialises in providing mortgages to borrowers with complex circumstances, such as the self-employed, those with irregular incomes, or individuals with a less-than-perfect credit history.
Lending Criteria
The Mortgage Lender is known for its flexible and individual approach to underwriting. They are often willing to consider applicants who may have been turned down by mainstream lenders. Their target borrowers include:
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Self-employed individuals: TML will consider applicants with just one year's worth of accounts.
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Contractors: They have specific criteria for contractors, including those on day rates.
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Complex incomes: The Mortgage Lender is willing to look at various income sources, including bonuses, overtime, and commission.
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Impaired credit: They may consider applicants with a history of missed payments, CCJs, or defaults, depending on the circumstances.
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First-time buyers: TML offers a range of products for those looking to get on the property ladder.
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Landlords: They have a dedicated range of buy-to-let mortgages for both individuals and limited companies.
Residential Mortgages
The Mortgage Lender offers a variety of residential mortgage products to suit different needs. These include fixed-rate and tracker mortgages, with options for both purchase and remortgage. They also offer "real-life lending" solutions, which are designed to be flexible and cater to individual circumstances.
Buy-to-Let Mortgages
For landlords, The Mortgage Lender provides a range of buy-to-let mortgages. These are available to both individual investors and those purchasing through a limited company. They cater to both first-time landlords and experienced portfolio investors.
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Pros and Cons of The Mortgage Lender
The table below highlights the advantages and disadvantages of TML as a mortgage provider:
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Pros |
Cons |
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Specialist lender for complex cases |
Higher interest rates than high street banks |
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Flexible underwriting |
Intermediary-only - no direct applications |
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Considers applicants with impaired credit |
Product range may be more limited than larger lenders |
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Good for self-employed and contractors |
Fees can be higher than mainstream lenders |
How to get a mortgage from The Mortgage Lender
As The Mortgage Lender is an intermediary-only lender, you cannot apply to them directly. You will need to go through a mortgage broker or intermediary who is on their approved panel, like us at Money Helpdesk. Our brokers will advise you on the best products for your circumstances and will handle the application process on your behalf.
Get started here to take advantage of a free, no-obligation chat with a broker who specialises in The Mortgage Lender’s products and can help you access their deals.
You can't apply to The Mortgage Lender directly. You need to use a mortgage broker or intermediary who can access their products, like the Money Helpdesk team.
The maximum LTV will depend on your individual circumstances and the type of mortgage you're applying for. Your mortgage broker will be able to advise you on this.
The Mortgage Lender is a specialist lender that will consider applications from people with a less-than-perfect credit history. However, they will still need to be confident that you can afford the mortgage repayments.
Yes, The Mortgage Lender is a good option for self-employed people. They will consider applications from people who have been self-employed for just one year.
The time it takes to get a mortgage offer will vary depending on the complexity of your application. Your mortgage broker will be able to give you an idea of the likely timescales.