Intermediaries
Customers
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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 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
Range

View our product range

Affordability
calculator

The perfect tool to help your client understand what they can afford.

Read more

Lending
Criteria

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

Read more
More on residential mortgages

Affordability calculator

The perfect 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
More on Buy-to-Let mortgages

At your service

We’ll keep you fully informed, at every stage of the process. Average broker experience as of 19/04/2024.

DIPs
reviewed

within
2 working days

New
Applications

within
5 working days

Underwriting
fully packaged*

within
4 working days

Assessment of
Valuation Reports**

within
4 working days

Average
call

Wait time
1 minute

* 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

Content hub

Really useful real-life information

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

Call of Duty: The FCA’s rules on consumer protection, and how they’ve settled in

In any business it’s good practice to prioritise the customer’s interests, and that’s particularly true of the financial services industry. We welcomed the Financial Conduct Authority’s latest policy on Consumer Duty. But what are the new regulations, and what impact have they had on our day-to-day work? Read Article

A quarter of landlords prioritise energy efficiency when purchasing a new investment property

Read Article

Great working relationship delivers super-quick turnaround for complex FTB case

A challenging FTB case we recently handled with specialist distributor TFC Homeloans shows how a great relationship can pay dividends for everyone involved. Read Article

We are really proud our intermediaries have rated us Excellent on Trustpilot

Trustpilot

GET IN TOUCH WITH US

Got a question or working on a tricky case? Drop us a line and we'll get straight back to you.
Contact us

COME TO THE WRONG PLACE?

We only sell our products through expert broker partners, so you can’t apply to us directly for your own mortgage. If you’re shopping for yourself, jump over to the Customer area for more information.
Visit our customer site