The Mortgage Lender Reviews 

912
TrustScore 4 out of 5

4.1

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Review summary

Created with AI, based on recent reviews

Evaluating 53 reviews, reviewers had a great experience with this company. Customers frequently praise the fast turnaround times, noting that applications and portfolio cases are processed remarkably quickly and smoothly. Many people highlight the friendly and supportive team, describing interactions as pleasant and emphasizing their readiness to assist with tricky cases. However, some customers also noted that the underwriting process can occasionally be quite slow and demanding. A few reviewers experienced communication challenges, mentioning long waiting periods, back-and-forth exchanges, and conflicting details provided by different staff members. Others felt that the overall journey lacked support and failed to meet expectations during complex mortgage applications.

What people talk about most

Service

Users describe positive interactions with service, highlighting a smooth, efficient, and professional... See more

Staff

Customers consistently note positive experiences with staff, highlighting dedicated and responsive... See more

Customer service

Clients share ambiguous opinions on customer_service, reflecting a wide range of differing experiences. Many... See more

Response time

People report ambiguous experiences with response_time, reflecting a wide range of differing opinions.... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Excellent service from day 1 to completion. Slick systems, great phone BDM's. Generous criteria with unusual cases and decent products. Underwriter Chris Regan was super easy to communicate wit... See more

Company replied

Rated 5 out of 5 stars

Generally helpful and good underwriting. A big thank you to Craig Fellowes for helping me in the initial stages of a high value complex case, and being there through the process. Available when need... See more

Company replied

Rated 5 out of 5 stars

Graeme Young was amazing at getting our latest portfolio refinance cases dealt with and offered for legals to commence. We were working to a tight timeframe on these multiple remortgage cases and Grae... See more

Company replied


Company details

  1. Mortgage Lender

Written by the company

People in our industry talk about ‘specialist lending’. And sure, technically that’s what we do, but ‘specialist’ isn’t how we see ourselves. Ditch the industry chat and our business is simple — it’s just lending for Real Life. We're here to help people in unique situations buy the home of their dreams and support our customers. Ours is a world of individuals - everyone is unique. We help people with unique circumstances into the homes of their dreams. Supporting the self-employed, the entrepreneurs, the help-to-buyers, and the buy-to-letters - that’s real life lending.


Contact info

4.1

Great

TrustScore 4 out of 5

912 reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 100% of negative reviews

Typically replies within 48 hours

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4.1

All reviews

(912)

38 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 3 out of 5 stars

Your turn around time is getting longer

August 23, 2025
Unprompted review
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi Stephen, thanks for taking the time to get in touch about your recent experience with TML.
I'm sorry you feel that the process was lengthy. As a specialist lender, there are occasions when we may need to request further information, which can sometimes result in an extension of our published timescales. This helps us get the decision right the first time.

Many thanks, The Mortgage Lender

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Rated 5 out of 5 stars

TML Tricky Case Placed

TML were able to offer a case for a BTL purchased within 6 months and we achieved a good market value on the property. Only issue if any is underwriting can be slow but where an offer is obtained it proves to be worth waiting for.

August 22, 2025
Unprompted review
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi James, we’re delighted to have helped and really appreciate your 5-star review. We’ll be sure to pass your feedback on to the relevant team.

Many thanks, The Mortgage Lenders.

Rated 5 out of 5 stars

complex case with 3 ltd co incomes

complex case with 3 ltd co incomes, well handled

August 15, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi GW, we’re delighted to have been able to help. Thanks for the 5-star review.
Many thanks, The Mortgage Lenders.

Rated 5 out of 5 stars

Customer Service

Customer Service, under writing process and criteria.

August 12, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hey Isaac, we’re so happy to have been able to help. Thanks for the review. Thanks, Jack

Rated 5 out of 5 stars

Great service

I am a mortgage intermediary and have used the mortgage lender for my clients on a number of occasions - the service levels have been really good and the direct contact from the underwriter has made the whole process quick and easy with any queries cleared up instantly rather than a series of back and forth emails.

August 18, 2025
Unprompted review
The Mortgage Lender logo

Reply from The Mortgage Lender

Hey David, we’re so happy to have been able to help. Thanks for the review. Thanks, Jack

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Rated 5 out of 5 stars

Simple & Straightforward!

A pleasure to do business with. No unecessary criteria restrictions. Common Sense lending!

August 9, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi Ashley, thank you so much for your great feedback and 5 stars! We’re thrilled to hear that you’re happy with our service and we look forward to helping you and your clients again.

Many thanks, The Mortgage Lenders.

Rated 1 out of 5 stars

The left hand doesn’t know what the right hand is doing

It felt as though one department wasn’t communicating with another. We were given conflicting information from different people, and issues that could have been resolved within weeks were instead picked up months later. We had no choice but to proceed with the mortgage as the deal was about to expire, despite the ongoing problems. Even after two formal escalations and calling every day for two weeks, we were repeatedly told it was “being looked at” that day, yet nothing progressed. Overall, I am extremely disappointed with the service and will likely avoid recommending TML to my clients in the future.

August 15, 2025
Unprompted review
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi Edward, we’re sorry to hear that you feel you have had a poor experience with us. We’d like to discuss this further. Please get in touch with us through one of the ways listed here to allow us to look into this.

https://themortgagelender.com/customers/customer-complaints

Rated 1 out of 5 stars

Experience not to be repeated any time soon

Just about everything .Not even remotely anything about the customer journey leaves a sense of satisfaction .

August 3, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi MBW, we’re sorry to hear that you feel unhappy with your experience with us. We’d like to discuss this further. Please get in touch with us through one of the ways listed here to allow us to look into this: https://themortgagelender.com/customers/customer-complaints.

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Rated 5 out of 5 stars

Stephanie the underwriter on my case…

Stephanie the underwriter on my case was an absolute delight to deal with. A star!…. I wish more lenders had an underwriter like her…..

August 3, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi Marilyn, thanks for leaving such an amazing review and calling out the great service you received from Stephanie. We’ll be sure to pass on the feedback.

Many thanks, The Mortgage Lenders.

Rated 5 out of 5 stars

Great service

Great service

August 9, 2025
Unprompted review
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi Raj, thank you so much for your great feedback and 5 stars! We’re thrilled to hear that you’re happy with our service. Many thanks, The Mortgage Lenders.

Rated 5 out of 5 stars

Common sense and real life lending

Common sense and real life lending is what you get with The Mortgage Lender. When a client's circumstances don't quite suit the High Street lenders you can count on The Mortgage Lender to look at the overall case to reach a lending decision. Life's not perfect, sometimes things don't go according to plan and there could be a blip on the credit file, The Mortgage lenders computer won't say no and they use common sense where required. A great lender to have available to our clients.

July 31, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi Miss Lummis, thank you so much for your great feedback and 5 stars! We’re thrilled to hear that you’re happy with our service and we look forward to helping you and your clients again.

Many thanks, The Mortgage Lenders.

Rated 5 out of 5 stars

Rachel Glue from The Mortgage Lender…

Rachel Glue from The Mortgage Lender was clear, efficient and professional throughout the application process.

A positive interaction and I'd have no hesitation engaging in the future.

August 5, 2025
Unprompted review
The Mortgage Lender logo

Reply from The Mortgage Lender

Hi AnnMarie, thanks for leaving such an amazing review and calling out the great service you received from Rachel Glue. We’ll be sure to pass on the feedback.

Many thanks, The Mortgage Lenders.

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Rated 5 out of 5 stars

Superb

Superb. Genuinely individual approach when others are blinkered.

August 5, 2025
Unprompted review
The Mortgage Lender logo

Reply from The Mortgage Lender

Thank you so much for your great feedback. We’re delighted to have been able to help.
Many thanks, The Mortgage Lenders.

Rated 4 out of 5 stars

Persistent and clear with what they…

Persistent and clear with what they wanted

Just a bit more speed would be fantastic

July 26, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hey Mrs Amar Brar, thanks for taking the time to get in touch about your recent experience with TML. I'm sorry you feel that the process was lengthy. As a specialist lender there are occasions where we may need to request further information and this can sometimes result in an extension to our published timescales. This helps us get the decision right first time. Thanks, Jack

Rated 3 out of 5 stars

Too fussy

Although their criteria is great, when it comes down to it I fail to understand why they ask for so much detail about the clients income and employment when you are applying for a unregulated buy to let mortgage. The likes of TMW or BM trust the information is correct on the application.

July 24, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hey there, thank you for taking the time to get in touch with us and leave us this feedback. We are always keen to hear how our broker partners find working with us. I'm sorry on this occasion you feel your experience wasn’t the best. We’ll feed this back to the relevant team. Thanks, Jack

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Rated 5 out of 5 stars

Fast and efficient

Fast and efficient, easy to get through to U/W. BDM helpful.

July 22, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hey Mike, we’re so happy to have been able to help. Thanks for the review. Thanks, Jack

Rated 5 out of 5 stars

TML helped a client get the home that…

TML helped a client get the home that they wanted , that they will live in and grow old . Thank You

July 16, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hey Penny, we’re so happy to have been able to help. Thanks for the review. Thanks, Jack

Rated 5 out of 5 stars

This was my first application with you

This was my first application with you, all went smoothly, it was great that the underwriter picks up the phone to discuss the case with you. Its a nice touch and really helps things go smoother!

July 10, 2025
The Mortgage Lender logo

Reply from The Mortgage Lender

Hey M, we’re so happy to have been able to help. Thanks for the review. Thanks, Jack

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