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WHO WE support

Is a Tandem mortgage
right for you?

We offer residential mortgages for real life people, not perfect profiles. Our mortgages are here to help those who do not meet the high street approach of a minimum credit score or automated process. That may be due to factors like these:
If you do not keep up with repayments on your mortgage, there is a risk your home may be repossessed.
EPC 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 the home’s EPC rating.
WHAT WE offer

Looking for a mortgage?

No matter where you are in your journey to homeownership, we have a range of flexible mortgage options that could be available to you.
Product transfer
Product transfer
Already have a mortgage with Tandem? Easily switch to a new deal with us. Enjoy a hassle-free process without needing a solicitor, thanks to our in-house legal services. 
Home mover
Home mover
Whatever your plans are for your next home, we look beyond just your credit score, considering applicants with payday loans, mortgage arrears, defaults, or CCJs. Our goal is to help you make that move.
First time buyer
First time buyer
We get the challenges of buying your first home. That’s why we offer flexible deposit options, including cash gifts or equity from family, with mortgages up to 90% of the property value. We also consider those with credit challenges.
Remortgaging
Remortgaging
Save time and money when you remortgage with us. Work with your broker to complete the process in as little as 21 days. We'll keep you informed every step of the way.
Product transfer
Already have a mortgage with Tandem? Easily switch to a new deal with us. Enjoy a hassle-free process without needing a solicitor, thanks to our in-house legal services. 
Product transfer
Home mover
Whatever your plans are for your next home, we look beyond just your credit score, considering applicants with payday loans, mortgage arrears, defaults, or CCJs. Our goal is to help you make that move.
Home mover
First time buyer
We get the challenges of buying your first home. That’s why we offer flexible deposit options, including cash gifts or equity from family, with mortgages up to 90% of the property value. We also consider those with credit challenges.
First time buyer
Remortgaging
Save time and money when you remortgage with us. Work with your broker to complete the process in as little as 21 days. We'll keep you informed every step of the way.
Remortgaging
HOW IT WORKS

Applying for a Tandem mortgage

We don't arrange mortgages directly with customers - our mortgages are available through professionally qualified mortgage advisers.This means you'll get the advice you need, to make sure Tandem is the right lender for you.

Check your broker works with us

If not, they can easily register to become an approved partner.

Explore mortgage options

Your broker will review your needs and financial situation and if Tandem is suitable, they’ll find the best mortgage options from us.

Gather your documents

Work with your broker to gather the necessary documents and complete your mortgage application.

Submit application

Your broker will submit the application on your behalf for review and approval.

Receive your offer

If approved, your broker will present you with our mortgage offer, and you can go ahead with finalising your home purchase.

BROKER NETWORKS

We work with a range of brokers

Your mortgage broker may be with one of our partner networks. Simply ask them about Tandem to find out more about how we could help you.
Is your broker not yet working with us?
Ask them to register
FAQs
FAQs

Got a question?

We’ve got answers! Explore our most common mortgage questions, or head to our full FAQ page to find more.
What is a specialist mortgage lender?

A specialist mortgage lender, like Tandem, caters to individuals with unique financial situations or specific borrowing needs that may not be accommodated by traditional high street banks. These lenders offer a range of mortgage products tailored to various circumstances, such as self-employed individuals or those with less-than-perfect credit histories.

What is a mortgage broker or intermediary?

A mortgage broker or intermediary acts as an intermediary between borrowers and lenders, facilitating the mortgage application process. They are qualified professionals who assess your financial situation, help you understand your options, and assist in finding the most suitable mortgage product from a range of lenders, including specialist mortgage providers like Tandem.

Why use a mortgage broker or intermediary?

Using a mortgage broker or intermediary offers several advantages. These professionals have in-depth knowledge of the mortgage market and access to a wide range of lenders, including specialist providers like Tandem. They can save you time and effort by comparing multiple mortgage offers, guiding you through complex paperwork, and ensuring you find the most competitive rates and terms tailored to your needs.

Can I apply for a mortgage directly through Tandem?

No, Tandem exclusively offers mortgages through authorised brokers or intermediaries. We believe that working with intermediaries provides borrowers with access to personalised advice, a wider range of mortgage products, and professional guidance throughout the application process.

Are the mortgage interest rates fixed?

Yes, at Tandem, we offer fixed-rate mortgages, providing customers with stability and predictability in their monthly mortgage payments – although they may be subject to change in the future.

Fixed-rate mortgages lock in your interest rate for a specified term, typically ranging from  2 to 5 years, offering protection against fluctuations in the market during this time.

Is my home at risk if I can’t repay the mortgage loan? 

If you do not keep up with repayments on your mortgage, there is a risk your home may be repossessed. However, at Tandem, we understand that unforeseen circumstances can arise, impacting your ability to meet your mortgage obligations. That's why we encourage borrowers facing financial difficulties to contact us as soon as possible to discuss potential solutions and alternative repayment arrangements. Our goal is to work with you to find a manageable solution and help you stay in your home whenever possible.