Frequently asked questions

Who are you and what do you do?

TBMC is an award winning buy-to-let and commercial mortgage specialist. We aim to provide you with the best backup and support in these specialist areas of the mortgage market, making your life easier and helping you grow your business.


Why should I use TBMC instead of going directly to the lender?

In the current financial climate the buy-to-let and commercial mortgage markets are fast-paced and subject to change at very short notice, which makes operating as an adviser in these niche areas more demanding than it has ever been. It can be more challenging to find appropriate products for your clients and you will benefit from the skills, expertise and experience of a buy-to-let and commercial mortgage specialist like TBMC.

Our whole of market comprehensive coverage of the buy-to-let market helps ensure your client obtains the best product for their needs and that you provide the best service.

Other benefits include a generic application form, telephone support and Online Case Tracking. Additional business tools are available via the website, including a free buy-to-let sourcing system and unique rental calculator.


Do I need to be registered with the Financial Conduct Authority (FCA) to use TBMC?

No, you do not need to be registered with the FCA to use TBMC, as buy-to-let and commercial mortgages are not regulated by the FCA.


Do you charge a fee?

We charge an application fee which includes the valuation fee and our administration costs. This is the only fee charged to you and is payable before we instruct the valuation report. We will only instruct a valuation after a decision in principle has been obtained.


Can I source your products on Mortgage Brain and Trigold?

Yes, our top buy-to-let products are available on both Mortgage Brain and Trigold. Please note, however, that sourcing systems do not guarantee the accuracy of the product data displayed, so it is strongly advised that you check product details with TBMC before proceeding with an application.


Your quotation system only allows me to obtain a quote on an interest-only basis. Can I obtain a quotation on a capital and interest repayment basis?

Currently the website will only provide an interest-only quotation. If you would like a quote for a repayment mortgage please contact our New Business team on 029 2069 5400, Option 1.


Do you have a generic application form?

Yes. TBMC has developed a buy-to-let application form that captures all the information required by many of the lenders we deal with, enabling us to submit online applications to alternative lenders quickly if the initial application is declined by the lender.


Do I need a KFI?

As buy-to-let mortgages are not regulated by the FCA you are generally not required to provide clients with a KFI. However, KFI equivalents are available via sourcing systems, the lender or from the TBMC website.


A valuation has already been carried out, can this be re-typed?

Yes, TBMC is able to instruct the re-type of a valuation providing time limits allow.


Where can I find a valuation fee scale?

Application fees vary depending on the lender. The application fee for each product is displayed on the mortgage illustration.


What supporting documents will I need to obtain from my client?

This all depends on the lender and the application type. Once the Decision in Principle has been carried out we will write to you requesting the relevant documentation required.


Who should cheques to be made payable to?

All cheques should be made payable to TBMC.


How long does it take to obtain an offer?

The timescale between application and offer will depend greatly on how quickly you can gather the required information. Most of our lenders will provide an offer within two working days once we have sent the fully packaged application to them. If we anticipate a delay from the lender we will advise you.


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This website is aimed at mortgage intermediaries and investment professionals only and is not intended to be relied upon by borrowers or investors.
© The Business Mortgage Company Limited: registered in England and Wales no. 5390573. Greenmeadow House, 2 Village Way, Greenmeadow Springs Business Park, Cardiff, CF15 7NE.
The Business Mortgage Company Services Ltd is authorised and regulated by the Finance Conduct Authority (No. 302764) to transact regulated mortgages and registered as a Consumer buy-to-let arranger. The FCA does not regulate some investment mortgage contracts.