Published 26 September 2016 · Last reviewed 1 May 2026
Credit issue mortgages |England, Wales & Scotland | Self employed | Contractors | Cheap Pricing all via The Mortgage Lender
The Mortgage Lender primary concentration is applicants with past and present credit issues. Where they excel is there pricing in the Near Prime Sector which is market leading and surely has raffled the feathers of established Lenders. Near Prime focuses in on credit issues such as defaults, county court judgements and missed payments on mortgages and credit agreements that occurred at least 2 to 3 years ago when a clean bill of health since.
Excitingly they lend in Scotland which has been very poorly served in the non-standard credit impaired mortgage sector. This is perhaps no surprise as we know the Senior Management Team well and with Trevor Pothecary at the helm he has always been a great supporter of the country.
Their contractor criteria is amongst the best and lending to age 80 is helpful for applicants with large retirement income.
The Mortgage Lender will also lend to self-employed applicants who have been trading for 1 year provided the deposit is at least 20% which is fairly standard for the sector.
Unlimited CCJs (none registered in the last 3 years). Unlimited defaults (none registered in the last 2 years).