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Wednesday 21st of February 2018

The Mortgage Lender revamps product range

The Mortgage Lender (TML) has revamped its product range, making several enhancements in response to market feedback.

The lender will no longer cascade based on credit score, is increasing the maximum LTV for first-time buyers to 85%, increasing its maximum loan amounts at certain LTVs and improving its new build proposition.

Peter Beaumont, deputy chief executive of The Mortgage Lender said:

“The new range is clear and concise, delivering what intermediaries asked for.

“Our changes demonstrate that we are listening to our introducers and show our determination to work in collaboration and have a product range that suits today’s borrowers.”

Removal of score cascade

Removing cascade based on credit score will give intermediaries certainty on the product rate offered to applicants based on their credit profile and published criteria.

The new product range consists of three product categories.  Rates start from 2.89% for 2 year fixed, and 3.35% for 5 year fixed.  There are also 2 year tracker rates available, starting from 2.99%.


New build applications can now be considered up to 85% LTV and new build offers will now be valid for 6 months, subject to valuation/reinspection.

There is also a maximum 5% builder-gifted deposit/incentive allowed up to a maximum LTV of 85%.

Maximum loan amounts

Up to 75% –  increase from £800k to £1m

Up to 80% –  increase from £600k to £750k

Up to 85% –  increase from £400k to £600k

TML’s products cater for the needs of today’s borrower including the self-employed, those with complex income and employment circumstances, lending into retirement and varying credit histories.

Products are available through authorised mortgage advisers and intermediary distribution partners.

Find more information visit our downloads page.

Written by News Teamof The Mortgage Lender

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