For Mortgage Intermediaries Only
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Flexible Mortgage Solutions

Tandem offers an enhanced range of specialist mortgage products, to help underserved customers who do not meet the high street approach of a minimum credit score or automated process. Our mission is to become the UK’s greener digital bank and to help customers make greener financial choices. Our mortgage products give rate discounts to applicants with home EPC ratings of A-C.

Happy couple owning their first house
For intermediate and broker partners only, for personal banking access Tandem Bank

We will be launching our Buy to Let and Short Term Finance products, so register now to be the first to receive information about these exciting new product releases.

Explore our products

Reimagining Remortgages

Tandem have reimagined the remortgage process. We’re here to help you provide efficient and comprehensive solutions for your customers. To help you, we use technology, including free AVM's wherever possible, and our free lender only legal process has been developed over many years within our Secured Lending Division.

Max LTV 90%

Max LTV 90% including debt consolidation up to £60,000

No Application Fee

We do not charge application fees

Free AVM or Valuation

We will provide either a Free AVM or a Free Valuation up to £700,000  

Free Lender Only Legals

We do not require you to appoint a solicitor as we can complete with Lender only Legals

Efficient Underwriting

No bank statements required for T0 or T1 for employed applicants

Applications are subject to meeting affordability and lending criteria, fees and charges may apply

Registration

To register with us, please click on the ’Register with us’ link on the right, complete the required fields and submit to us, once verified we will send you your Login details. All Intermediaries registered with us will be notified when we have more exciting news concerning new product releases.

Facing any issues?

If you are having trouble registering, or require more information, please contact your Key Relationship Manager covering your area

Find your Key Relationship Manager

Specialist Mortgages with EPC discounts

Tandem is building the UK’s greener digital bank, providing consumers with more sustainable ways to save, borrow and spend. We offer a green rate discount to applicants with a confirmed home EPC rating of A-C.

Discounts available to your clients:
EPC Rating and Discounts available on all are range T0, T1, T2 and T3,
A: 0.30%
B: 0.20%
C: 0.10%

Download Our Product Guide

  • Fair view credit assessment based on 24 months
  • Fixed Rate booked when the ESIS is produced
  • Completion Fee can be added to the loan without interest or charges
  • Free lender only legals available on all remortgages (additional costs may apply e.g. Transfer of Equity)
Download PDF
man packing the box

We have put together some helpful information

Mortgage Application Form

Mortgage Application Form

Tandem Accountant's Certificate

Tandem Accountant's Certificate

Pay Slip Requirements

Pay Slip Requirements

Bank Statements Guide

Bank Statements Guide

1st Charge Submission Guide

1st Charge Submission Guide

1st Charge Submission Guide

Digital bank providing hard working people across the UK with sustainable ways to borrow.

Bank Statements Guide

Digital bank providing hard working people across the UK with sustainable ways to borrow.

Pay Slip Requirements

Digital bank providing hard working people across the UK with sustainable ways to borrow.

Tandem Accountant's Certificate

Digital bank providing hard working people across the UK with sustainable ways to borrow.

Mortgage Application Form

Digital bank providing hard working people across the UK with sustainable ways to borrow.

Consumer Duty

Digital bank providing hard working people across the UK with sustainable ways to borrow.

Solicitors Panel

Digital bank providing hard working people across the UK with sustainable ways to borrow.

Look at our great criteria

  • 90% LTV including First Time Buyers
  • Fair View Credit Assessment – credit profile based on the last 24 months
  • Family gifted cash and family gifted equity are acceptable sources of deposit
  • Product Transfers available at end of fixed rate, subject to meeting our eligibility criteria
  • All our mortgage products are portable. Subject to criteria, an existing mortgage balance can be transferred at the current rate, with no early repayment charge

Our Sales Team

We have an experienced team of Key Relationship Managers who are here to help you, whether you are a broker, a Network, a Mortgage club or a Packager

Register with us
Two people calculating the mortgage amount
David Venn, Key Relationship Manager (Brokers, Networks and Clubs)
David Venn
Key Relationship Manager (Brokers, Networks and Clubs)

With over 20 years’ industry experience, having worked in Banking and Mortgage Lending, David is well placed to provide our Broker, Network and Club partners in London and the East with the support they need to place specialist cases.

Telephone number:
Areas covered
London & East
link to linkedin profile
Mark Shelper, Key Relationship Manager (Brokers, Networks and Clubs)
Mark Shelper
Key Relationship Manager (Brokers, Networks and Clubs)

Mark has over 20 years’ experience in the specialist mortgage market, previously having worked as a Business Development manager for Bristol & West, GMAC, Aldermore & Pepper Money.

Telephone number:
Areas covered
West & Wales
link to linkedin profile
Richard Angell, Head of Sales and National Accounts
Richard Angell
Head of Sales and National Accounts

Richard is our Head of Sales and National Accounts. He has worked for several specialist and mainstream lenders, and is looking forward to working with our intermediary partners and building the UK’s greener digital bank and to help customers make greener financial choices.

Telephone number:
Areas covered
National
link to linkedin profile
Roger Morris, Director of Mortgage Sales and Distribution
Mortgage Division
Roger Morris
Director of Mortgage Sales and Distribution
Mortgage Division

Richard is our Head of Sales and National Accounts. He has worked for several specialist and mainstream lenders, and is looking forward to working with our intermediary partners and building the UK’s greener digital bank and to help customers make greener financial choices.

Telephone number:
Areas covered
National
link to linkedin profile

Frequently asked questions

We have put together a helpful list of the most frequently asked questions.

What is the minimum loan amount
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What is the maximum  loan amount
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What is the Minimum property value
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What is the minimum term
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What is the maximum term
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What is the Maximum LTV?
90%
What is the maximum loan size?
£750,000
Where do you lend?
England and Wales
What is your offer validity?
90 days
What is the minimum income requirement?
£12,500 from main job
Can Broker Fees be added to the Mortgage?
Yes, up to a maximum of £2,495, and no interest or charges will be added
Are Mortgage and unsecured arrears considered?
Yes, subject to criteria
Are CCJ's and Defaults considered?
Yes, subject to criteria

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