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REAL LIFE
LENDING

Ours is a world of individuals - everyone is unique. We help people with unique circumstances into the homes of their dreams. Supporting the self-employed, the entrepreneurs, the help-to-buyers and the buy-to-letters - that’s real life lending.

Our mortgage products

MORE CHOICE,
MORE VALUE

Explore our mortgage products

Residential

Buy-to-let

Product
Finder

We’ve made finding the right product for the right customer really, really simple.

Check it out

Product
Range

View our product range

Affordability
calculator

A great tool to help your client understand what they can afford.

Lending
Criteria

Check out our lending criteria, it is flexible and designed with your customers in mind.

Affordability calculator

A great way to help your client understand what they can afford and get shopping with confidence.

Calculate now

Lending Criteria

Check out our lending criteria, it is flexible and designed with your customers in mind.

View criteria

At your service

We’ll keep you fully informed, at every stage of the process. Average broker experience as of 21/09/2023.

DIPs
reviewed

within
1 working day

New
Applications

within
3 working days

Underwriting
fully packaged*

within
5 working days

Assessment of
Valuation Reports**

within
4 working days

Average
call

Wait time
1 minute 30 seconds

* All underwriter requirements have to be met
** For packaged cases

Our Approach

We Do Different

We’re changing the mortgage market for the better, helping more people with flexible and competitive products. Join the real life lending revolution.

Work With TML

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Really useful real-life information

Nobody does it better… than you with the support of our insightful information and helpful hints.

Email Marketing for Mortgage Brokers

Email marketing offers several benefits for mortgage brokers that are often overlooked. This TML Guide will help you understand what you’re missing out on. Read Article

Homeowners expect mortgage payments to rise by £617 per month over next 2 years due to rising rates

• 80% of homeowners with a mortgage are concerned about the effect of rising interest rates and mortgage rates will have on their ability to afford their outgoings over the next year • This increases up to 88% for 25–34-year-olds • Over a quarter (28%) are speaking to their lender, however 18% are drawing on long term savings which could hurt them financially Read Article

Above and beyond to save self-employed mortgage applicant thousands on mortgage deal

We recently progressed a complex, self-employed residential mortgage application in just 10 working days, while demonstrating our real-life lending approach through the process. Working with the broker EHF Mortgages, we worked quickly and flexibly to progress the mortgage application when other lenders may not have been able to. Read Article

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As a broker I've access to lots of lenders, TML are by far one of the best. It's so refreshing for underwriting to be completed with a positive can-do attitude.
Rachel Cummings

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