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.

Reimagining remortgages

Tandem's market leading combination of technology and our manual specialist underwriting means we individually assess each application on its merits.

Max LTV 90%

Max LTV 90% Loan £500,000 including unsecured debt consolidation of up to £60,000.

No Application Fee

We do not charge application fees on our remortgages.

Free AVM or Valuation

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

EPC Discounts

If an applicant has a confirmed EPC rating of A, B or C, we give a discount of up to 0.3% during the fixed rate period.

Product Transfers

Product Transfers available at the end of fixed rate for existing customers, subject to meeting our eligibility criteria.

Proc Fees

Product Gross Net
Residential 0.6% 0.5%


Residential product guide

How to Register

Registering for the first time:

Click here to to register with Tandem and when submitting your registration please ensure you request to use Paradigm as your payment route. 

Add Paradigm as payment route:

If you have already registered and wish to change your payment route, then please email Tandem at [email protected] requesting a change of payment route.