The mortgage lender (A review)

In this brief guide, we are going to discuss the mortgage lender and how they may be able to help you if you are looking to get a mortgage.

The mortgage lender

The mortgage lender is a UK mortgage lender in the UK who focus on providing mortgages for a niche segment of the mortgage market. This means those who are self-employed, those who are single, those who are divorced,  those with bad credit, those who are freelancing or have unique mortgage cases. The Mortgage lender works through intermediaries such as mortgage brokers and also directly with customers.

They offer both residential and buy to let mortgage products.

The Mortgage lender has some standards which is has set for itself, they include:

Decisions principles being reviewed within 24 hours.

Mortgage applications being reviewed within 24 hours.

Any documents which are submitted being assessed and reviewed within 72 hours.

Mortgage valuations assessed within 72 hours.

The average time you will wait to speak to someone n the phone is also 40seconds.

The Mortgage Lender Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Firm Reference Number 707058).  Although they are not regulated for their buy to Let mortgages as there is no requirement for this to be regulated.

Complaining about the mortgage lender

If you have a complaint about the mortgage lender then you should report this to them via phone or via email on

They will have 8 weeks to issue you a final response. If you are not satisfied with their final response then you can take your complaint to the Financial ombudsman who are an independent body.

The financial ombudsman will look into your complaint and adjudicate on it. This is a free service.

You can contact the financial ombudsman on: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9GE.

Via telephone on: 0800 023 4567 

Via fax: 020 7964 1001

or visit: 

How to Contact the Mortgage lender

The mortgage lenders address is Fifth Floor, 100 Victoria Street, Bristol BS1 6HZ.

You can also contact them via phone on: 0344 257 0429

Opening hours 9am to 5.30pm Monday to Friday

Or via email on

Getting a mortgage from the mortgage lender.

You may want to consider using an independent mortgage broker to get a mortgage.

Mortgage brokers are important as they can access mortgage products from across the whole of the market in some cases. This could be over 11,000 mortgage products. This may have some advantages than going directly to a mortgage lender.

A mortgage broker will look to understand your financial circumstances and then provide recommendations on which mortgage products may be suitable for you.

After giving you these mortgage recommendations, most mortgage brokers will seek your consent to apply for a mortgage in principle.

This will allow you to shop for your home easier as more estate agents and sellers may take you seriously or it will give you confidence that your remortgage is indeed a possibility before you make a full mortgage application.

Once you have found a home you want to buy or are satisfied with the mortgage offer for your remortgage then the mortgage broker will then look to get you a mortgage offer.

This will come with a key facts illustration document which details out the features of your mortgage including how much you will pay per month if there are any limits such as early repayment fees, or annual overpayment limits.

If you are happy with everything you can then go on to secure your mortgage with the help of a conveyancer.

Your conveyancer will manage the legal searches on the property to ensure there aren’t any issues with it, they will oversee the sales agreement to ensure it is in your best interest, they will manage the transfer of mortgage funds, exchange contracts with the seller or their conveyancer and set a completion date with the seller or their conveyancer.

In this brief guide, we discussed the mortgage lender. If you have any questions or comments please let us know.

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.