The Mortgage Lender (TML) is amongst the UK’s leading providers of financial solutions for people with unusual financial conditions. Their tag line is we believe your financial history is just that, history’ and their aim is to find a solution to your mortgage problem.

TML specialise in re-mortgages for people looking to unlock cash tied up in their home but who have current or previous credit issues. They also have a wide range of mortgages and can lend to you even if you cannot prove your income. TML pride themselves on taking each application on its own merits and on providing a quick decision.

TML are backed by the Kensington Group PLC, who for the last two years has won an award in the Mortgage Introducer Magazine’s Best Overall Lender Awards. During 2004 TML arranged nearly £50 million of mortgages on average every month. TML generally allow you to borrow up to 3.5 times your sole income, or up to 3 times the joint income of you and your partner.

TML offer a range of Mortgages:

Fixed rate
Discounted rate
Variable rate

Fixed rate mortgages: payments are fixed for an agreed interval. The rate will not go up or down during the agreed fixed period. The mortgage rate will then convert to the variable rate when the fixed period has finished. Early repayment charges apply.

Discounted rate: a variable rate mortgage that has a discount for an agreed period. Payments go up and down according to the Bank of England base rate. The mortgage rate will revert to a higher variable rate once the discount period has finished. Early repayment charges apply.

Variable rate: your payments will rise and fall according to the movement of the Bank of England base rate. Early repayment charges apply.

All of the above products are also available if you are seeking to re-mortgage. The rate payable on each of the products will depend on your circumstances.