01844 390910

info@bmimoney.co.uk

6,400+ mortgages arranged

90+ lenders, £1.5bn+ lent

01844 390910

info@bmimoney.co.uk

flexible solutions for complex borrowers

The Mortgage Lender

The Mortgage Lender (TML)

The Mortgage Lender (TML) specialises in providing non-standard residential mortgages tailored to borrowers with unique circumstances, including credit challenges and complex income streams. Their commitment to “real-life lending” allows them to serve clients who may have been turned down by traditional high-street lenders.

Key Features of The Mortgage Lender

1. Focus on Credit-Challenged Borrowers

TML offers competitive rates in the Near Prime sector, catering to clients with historic credit issues such as:

  • Defaults: Unlimited, provided none occurred within the last 2 years.
  • County Court Judgements (CCJs): Unlimited, provided none were registered in the last 3 years.

2. Broad Lending Criteria

TML serves diverse borrower groups, including:

  • Self-Employed Applicants: Eligible after just one year of trading with a minimum 20% deposit.
  • Contractors: Flexible criteria for project-based income.
  • Older Borrowers: Loans available up to age 80 for applicants with substantial retirement income.

3. Regional Reach

Excitingly, TML extends its services to Scotland, an underserved region in the non-standard credit mortgage sector.

Case Study

Supporting Complex Borrowers

A self-employed couple with multiple income streams sought a large, interest-only mortgage. Despite rejections from other lenders, TML’s team worked collaboratively with the broker, leveraging the applicants' diverse income sources (e.g., business profits, rental income) to offer a 60% LTV mortgage. This outcome highlights TML’s flexibility and commitment to achieving positive results for challenging cases.
A recent example illustrating TML’s approach

how we can help

Why Choose Bright Money for TML?

Our team at BMI is here to help you navigate the world of complex borrowing:

Real-Life Lending Approach

Tailored solutions for borrowers with adverse credit or unconventional financial circumstances.

Experienced Team

Experts like Trevor Pothecary created a borrower-centric approach.

Fast and Clear Communication

Efficient case management and regular updates to brokers and clients.

start your TML mortgage application

Take Action with Bright Money

At Bright Money Independent, we partner with TML to provide you with the best mortgage options tailored to your needs.

Get Started Today

Call us at 01844 390910 or
Email us via our inquiry form to discuss your mortgage options today.

Contact Us

FAQ

about
TML
Mortgages

TML offers a range of residential mortgage products aimed at borrowers who may not meet mainstream lending criteria. This includes options for applicants with adverse credit histories, self-employed income, or complex financial circumstances, subject to product eligibility.

Yes. TML regularly considers applicants with adverse credit such as missed payments, defaults, or CCJs. Each application is assessed on an individual basis, taking into account the nature, severity, and recency of the credit issues.

In some cases, yes. TML may consider first-time buyers who meet affordability requirements, including those with non-standard income or previous credit challenges, subject to lender criteria.

Yes. TML considers self-employed borrowers and contractors, including those with shorter trading histories than required by high-street lenders. Income assessment depends on documentation provided and overall affordability.

TML is often considered by borrowers who have been declined elsewhere due to credit history, income structure, or affordability. Applications are assessed manually rather than purely by automated scoring.

Yes. TML mortgages are regulated in the UK and subject to the same regulatory standards as other residential mortgage lenders.

TML welcomes applications from individuals with:

  • Adverse credit histories (e.g., CCJs, defaults).
  • Self-employed status or contractors with limited financial history.

Typically, a 20% deposit is required for most residential and self-employed products with TML.

Yes, TML provides tailored solutions for Scottish borrowers, addressing a significant market gap.

Yes, loans are available up to age 80 for clients with sufficient retirement income.

TML employs expert underwriters who assess each case individually, ensuring fair and personalized decisions.