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FOR INTERMEDIARIES ONLY
The Greener
Specialist Lender
First-time buyers, home movers, remortgages and the self-employed
– we're here to help those who don't fit the high street.
1st charge mortgages up to £750k
Max LTV 90%
EPC discounts up to 0.30%
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.
PURCHASE & REMORTGAGE
Residential
Mortgage Guide
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
-0.30%
-0.20%
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
£625k - 85% LTV
£500k - 90% LTV
£750k - 80% LTV
£625k - 85% LTV
£500k - 90% LTV
£625k - 85% LTV
£500k - 90% LTV
£500k - 85% LTV
£500k - 80% LTV
Tier 0
CCJs
In the last 24 months
Defaults
In the last 24 months
Secured account conduct
Missed payments
Unsecured account conduct
Worst status
0
0
0
0
Max loan
£750k - 80% LTV £500k - 90% LTV
Tier 1
CCJs
In the last 24 months
Defaults
In the last 24 months
Secured account conduct
Missed payments
Unsecured account conduct
Worst status
1
1
1
1
Max loan
£750k - 80% LTV £500k - 90% LTV
Tier 2
CCJs
In the last 24 months
Defaults
In the last 24 months
Secured account conduct
Missed payments
Unsecured account conduct
Worst status
2
2
2
2
Max loan
£500k - 85% LTV
Tier 3
CCJs
In the last 24 months
Defaults
In the last 24 months
Secured account conduct
Missed payments
Unsecured account conduct
Worst status
3
3
3
3
Max loan
£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.”
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’.
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.
