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
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.
FAQ
about
TML
Mortgages
Who is eligible for a TML mortgage?
TML welcomes applications from individuals with:
- Adverse credit histories (e.g., CCJs, defaults).
- Self-employed status or contractors with limited financial history.
What is the minimum deposit required?
Typically, a 20% deposit is required for most residential and self-employed products.
Does TML operate in Scotland?
Yes, TML provides tailored solutions for Scottish borrowers, addressing a significant market gap.
Can TML assist older borrowers?
Yes, loans are available up to age 80 for clients with sufficient retirement income.
What is the decision-making process like?
TML employs expert underwriters who assess each case individually, ensuring fair and personalized decisions.