TML has announced a market update, see below. The TML range of products are available through our direct to lender mortgage club and our fees free packager. Contact us to see how you can benefit from our club or packaged support.
View their latest product and criteria here.
Announcement
Mortgages for the bold and the brave.
Our recent Home A-Loan report shows just how tough the mortgage landscape has become. 38% of adults feel worse off than 2024 as rising costs tighten their budgets.
Yet the drive to own a home hasn’t faded. It’s only getting stronger.
Across the UK, bold borrowers are adapting fast – 17% have taken on second jobs or side hustles to stay on track. And despite the pressure, 49% remain optimistic about their long-term financial future. These are the doers, the makers, the self-starters – the ones refusing to step back.
And we’re here for them. Those bold enough to start their own business. Who side-hustle. Who become their own boss. It’s a brave new world, and self-employment isn’t always predictable. Income can change month to month. But the dream of owning a home doesn’t go away.
Our residential mortgage offering is designed for them:
- We look at profit before tax plus salary for limited company directors, giving a greater capacity to lend
- We look at latest year’s figures for self-employed
- We assess up to 100% of second job income*
- Up to 95% LTV residential mortgages
- Up to 5.5x LTI
Have a client in mind? See how we can help them below.