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.

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.

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.

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.

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.

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.