The Mortgage Lender Residential Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| 2-yr fixed 65% LTV (clean credit) | 7.24% | 2 years | £995 | |
| 2-yr fixed 75% LTV (clean credit) | 7.49% | 2 years | £995 | |
| 2-yr fixed 75% LTV (light adverse) | 7.89% | 2 years | £995 | |
| 2-yr fixed 75% LTV (medium adverse) | 8.39% | 2 years | £1,495 | |
| 5-yr fixed 65% LTV (clean credit) | 4.94%Best | 5 years | £995 | |
| 5-yr fixed 75% LTV (clean credit) | 5.22% | 5 years | £995 | |
| 5-yr fixed 75% LTV (light adverse) | 5.69% | 5 years | £995 | |
| 5-yr fixed 75% LTV (medium adverse) | 6.29% | 5 years | £1,495 | |
| Standard Variable Rate | 9.14% | Ongoing | None | - |
The Mortgage Lender Buy-to-Let Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| BTL 2-yr fixed 65% LTV | 7.84% | 2 years | £1,495 | |
| BTL 5-yr fixed 65% LTV | 5.59%Best | 5 years | £1,495 | |
| BTL 5-yr fixed 75% LTV | 5.92% | 5 years | £1,495 |
The Mortgage Lender Product Transfer Rates
| Product Transfer Option | Rate | Initial Period | Fee | Cashback |
|---|---|---|---|---|
| The Mortgage Lender 2-yr fixed PT (same LTV band) | 7.29% | 2 years | £0 | Cashback available |
| The Mortgage Lender 5-yr fixed PT (same LTV band) | 4.99% | 5 years | £0 | Cashback available |
| The Mortgage Lender PT + borrow more (residential) | 5.06% | 5 years | £595 | Cashback available |
About The Mortgage Lender Mortgages
The Mortgage Lender (TML) is a specialist residential and buy-to-let mortgage lender offering products for borrowers with complex income, adverse credit, or non-standard circumstances. Part of the Shawbrook Group, TML combines financial strength with flexible, case-by-case underwriting.
The Mortgage Lender suits self-employed borrowers with variable income, those with historic credit issues, and property investors requiring flexible rental coverage calculations. Their approach to complex cases and willingness to look beyond credit scores makes them a valuable option for clients who've been declined elsewhere.