Specialist First Charge Mortgages
Access specialist first charge solutions for your clients who fall outside mainstream lending criteria
ABOUT THIS PRODUCT
Overcome High-Street Barriers
High-street lenders don’t always fit every case, and rigid automated underwriting shouldn't cost you a client. Where strict criteria creates barriers, TLE gives you direct access to a hand-picked panel of specialist first charge lenders designed specifically for non-standard cases.
From complex self-employed income to niche property types, we take on the manual placement work to turn your declined first charge applications into successful, commission-earning completions.
PRODUCT OVERVIEW
Specialist Lending Criteria
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Loan to Value
Up to 95% LTV considered
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Loan Amounts
Solutions from £10,000 up to £2 million
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Maximum Age
Maximum age of 85 at end of term
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Income Assessment
All types and sources of income considered in affordability
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Rate Types
Fixed, variable, tracker and interest only rates
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Property Types
Non-standard property type and construction accepted
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Application Types
Purchase and remortgage on residential and CBTL properties
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Credit Profile
Recent adverse considered including defaults, CCJs and missed payments
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Buying Schemes
Right to Buy and Shared Ownership properties accepted
CLIENT ELIGIBILITY
Where we can help
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Complex Purchases & FTBs
We source specialist first charge solutions for standard purchases and first-time buyers who fall outside mainstream lending criteria.
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Right to Buy (RTB)
Our select lender panel accommodates Right to Buy applicants, unlocking specialist options when high-street banks decline the purchase.
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Affordability & Indebtedness
We place cases where existing commitments or strict affordability constraints make mainstream first charge lenders unsuitable.
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Age Restrictions
Cases where mainstream lenders' age restrictions create barriers to achieving the required term or affordability.
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Buying Schemes
Support for specialist purchase scenarios, including Right to Buy, Shared Ownership and other affordable housing schemes.
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Adverse Credit History
We bypass rigid high-street scoring by matching your non-conforming clients with specialist lenders who accept historical defaults, CCJs, and IVAs.
Referral process
Working with TLE: The Simple Referral Process
Referring a case is simple. Send us your client's name and contact number, and we'll take it from there. Our team manages the process from initial enquiry through to completion, while you remain the introducer and receive your commission.
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Refer the case
Submit an enquiry online or call us on 0800 032 9595. Give us the key details about your client's needs. Our specialist advisors will then take control from there.
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We complete the fact-find
Our expert advisers conduct a thorough fact-find with your client, identify the most suitable options from our selected panel, and take 100% advice responsibility.
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We source and manage the application
To receive regular milestone updates from submission to final completion..
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Commission paid promptly
Once the case completes, your referral commission is paid promptly, often on the very next working day. With zero chasing required, we’ll always ensure your revenue is delivered quickly and without delay.
WHY TLE
What we can offer
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Dedicated Support
A qualified adviser you can rely on to guide both you and your client throughout the process.
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Regular case updates
Consistent communication and updates, so you always know the progress of your case.
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Exceptional service
A high-quality experience delivered at every stage of the customer journey.
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Fast responses
Quick and clear feedback on whether we can help your client and the options available.