PRODUCT HIGHLIGHTS

Break free from traditional limits

We understand that life isn't always perfect, and neither are credit scores. In a world of automation, we help navigate the path to homeownership with human touch and expertise.
Max LTV 90%

For first-time buyers, movers and remortgage debt consolidation.

Fair View Credit Assessment

Our credit assessment is based on the last 24 months.

Greener Lending

EPC discounts are available for homes rated A-B, along with further advances for greener home improvements.

Fee Free Remortgages

No application fees. No valuation fees for properties up to £700k. Free lender only legals.

Adverse Lending Criteria

CCJs and defaults are considered and do not need to be satisfied.

Flexible Fee Structure

Broker and completion fees can be added above max LTVs, with no interest charges.

OUR PRODUCTS

Find a solution for every life stage

We're confident we can help as many of your clients as possible with our specialist solutions. Use our Affordability Calculator to find out how much they could borrow.
EPC RATE DISCOUNTS

Unlock better rates for
greener homes

To support our mission of banking for a greener future, we offer a rate discount to applicants with a confirmed home EPC rating of A or B. You can use our handy calculator to check your client’s EPC.

A
B
C
-0.30%
-0.20%
-0.10%
OUR CRITERIA

Your clients don't need a perfect credit score to be greener

Our range of specialist mortgages are designed for those who don't meet the criteria of high street lenders, while always encouraging a greener move.
Tier 0
Tier 1
Tier 2
Tier 3
CCJs
In the last 24 months
0
1
2
3
Defaults
In the last 24 months
0
1
2
3
Secured account conduct
Missed payments
0
1
2
3
Unsecured account conduct
Worst status
0
1
2
3
Max loan
£750k - 80% LTV
£625k - 85% LTV
£500k - 90% LTV
£750k - 80% LTV
£625k - 85% LTV
£500k - 90% LTV
£500k - 85% LTV
£500k - 80% LTV
BROKER Testimonials

Don't just take our word for it...

“Tandem truly deserves credit for accomplishing the near-impossible feat in the adverse lending market: securing a 90% LTV mortgage. From our first encounter to receiving the formal mortgage offer within just a month, their team's unwavering positivity and exceptional support made all the difference.”

Matthew Lawes
Robson Financial Ltd

I had a client who I had struggled to place elsewhere for a few months, other lenders weren’t willing to give them a chance, I gave Tandem a go and safe to say, they’ve been absolutely brilliant from start to finish. It was refreshing to have a lender who just seems to ‘get it’.

Kieran Bennison

Teesside Money

I have no doubt that in future Tandem will be one of my first lenders I look towards for all clients with heavy adverse/niche requirements. Both BDMs were always on hand to answer any queries. I had in a timely manner which is something many lenders are missing, a BDM who actually responds and helps.

Aaron Scott

Try Financial
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