The Mortgage Lender

The Mortgage Lender: Specialist Lending Solutions

The Mortgage Lender is a flexible and specialist mortgage provider that caters to a wide range of borrowers, particularly those who may not fit the criteria of traditional high-street lenders. Offering innovative solutions, The Mortgage Lender focuses on individuals with complex financial profiles, including those with non-standard incomes, adverse credit histories, or unique borrowing needs.

At Kerr & Watson, we work closely with The Mortgage Lender along with other lenders to ensure our clients have access to these tailored products, providing the right mortgage solution for your financial circumstances.

Why Do People Consider The Mortgage Lender?

Expertise in Specialist Lending

The Mortgage Lender is known for its ability to help clients who face challenges securing a mortgage with mainstream lenders. Whether you are self-employed, have a complex income, or have experienced credit issues, The Mortgage Lender offers mortgage products designed to fit these specific needs.

Flexible Lending Criteria

The Mortgage Lender offers a range of flexible lending options that cater to individuals with diverse financial circumstances. This includes accommodating borrowers with previous credit issues, missed payments, or County Court Judgements (CCJs), as well as those seeking buy-to-let mortgages.

Self-Employed and Contractor Mortgages

he Mortgage Lender provides flexible mortgage solutions for self-employed individuals and contractors. Their approach to income assessments means they consider the full scope of a borrower’s financial situation, ensuring that even those with non-traditional income streams can access a suitable mortgage.

Broker-Exclusive Products

The Mortgage Lender operates exclusively through intermediaries, meaning you’ll receive expert advice from brokers like Kerr & Watson. Our team has extensive knowledge of The Mortgage Lender’s offerings and can guide you through the application process to secure the best product for your needs.

Switching Your Rate with The Mortgage Lender: What You Need to Know

If your mortgage with The Mortgage Lender is approaching the end of its initial term, you may want to explore your options for switching rates. The Mortgage Lender May be able to offer a product transfer, which could help you lock in more competitive terms as market conditions change. By working with Kerr & Watson, we handle all aspects of the rate switch process for you, ensuring that you secure the most favourable terms with no additional application or valuation fees involved.

Product Highlights

Residential Mortgages

Flexible products designed for borrowers with non-standard credit histories, including options for those with missed payments or defaults.

Buy-to-Let Mortgages

Ideal for property investors and landlords, including those with complex income streams or those operating through a limited company.

Self-Employed Mortgages

Specially tailored products for self-employed individuals and contractors, offering flexible income assessments.

Why Contact Kerr & Watson?

Navigating the mortgage market can be challenging, especially if you have a non-standard financial profile. At Kerr & Watson, we simplify the process by offering expert advice and connecting you to lenders like The Mortgage Lender, who specialise in helping clients with complex financial situations. Our team works closely with you to ensure that you find the best mortgage product for your unique needs.

Get in Touch

If you’re looking for a flexible mortgage solution that suits your financial circumstances, The Mortgage Lender may be the right option for you.

Contact Kerr & Watson today to speak with an adviser and explore how we can help you secure the right mortgage.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.