Cold hardiness & minimum temperature

Is Mortgage Lifter Tomato (Solanum lycopersicum 'Mortgage Lifter')cold hardy? Hardiness zone & min temp

Also called Mortgage Lifter tomato, Radiator Charlie's Mortgage Lifter.

More about mortgage lifter tomato

About Mortgage Lifter Tomato

Solanum lycopersicum 'Mortgage Lifter' · also called Mortgage Lifter tomato, Radiator Charlie's Mortgage Lifter · edible

'Mortgage Lifter' is a classic indeterminate heirloom beefsteak tomato producing large, meaty, low-acid pink-red fruit of 0.5–1 kg with few seeds. Vigorous and high-yielding, it needs full sun, staking, and a long warm season to ripen. ASPCA lists the tomato plant as toxic to pets, though the ripe fruit itself is non-toxic.

Cold limit: USDA Grown as a warm-season annual; 2-11 (frost-tender, planted out after last frost) · RHS H2 (18-29°C)

What mortgage lifter tomato's hardiness rating actually means

Mortgage Lifter Tomato is half-hardy (RHS H2). It survives a mild winter outdoors in a sheltered spot, but a hard frost kills it — so in colder zones it is lifted, potted, or grown as a tender plant. Its RHS rating of H2 means: Tender — survives a frost-free greenhouse or a very mild, sheltered spot. On the US scale that maps to USDA Grown as a warm-season annual; 2-11 (frost-tender, planted out after last frost) — the zones where it can be left outdoors year-round.

New to these scales? The USDA hardiness zone map explained covers how the zone numbers work, and you can find your own zone with the zone finder.

Minimum temperature — and what happens below it

Minimum survivable temperature is roughly about 1 to 5 °C — tolerates cold but no real frost. Mortgage Lifter Tomato shrugs off cold nights but a real, sustained freeze will kill it.

Concretely, for mortgage lifter tomato as it gets too cold:

Down to roughly about 1 to 5 °C it copes, especially if dry and sheltered.
A sustained hard frost collapses the top growth; whether it returns depends on whether the roots, crown or tubers froze.
Wet cold is far more lethal than dry cold for this plant — soggy, frozen soil is the usual killer.

Can mortgage lifter tomato go outside or overwinter — and where?

It can live outside year-round only in the mildest, most sheltered part of USDA Grown as a warm-season annual; 2-11 (frost-tender, planted out after last frost) or a frost-free UK microclimate.
In colder zones, grow it in a pot you can move under cover, or lift its tubers/roots and store them frost-free over winter.
A south-facing wall, free-draining soil and a dry winter position can push it a full zone hardier than the books suggest.

Work back from your local frost dates with the frost-date calculator: the last spring frost and first autumn frost are what really decide when mortgage lifter tomato can be outside. US growers can check USDA zones; UK growers should use the RHS hardiness ratings, which match the H2 figure above.

Frost protection for borderline mortgage lifter tomato

Mortgage Lifter Tomato is right on a hardiness edge in many gardens, so if you are pushing it, these measures buy it the margin it needs:

Mulch the crown or root zone deeply with bark, straw or leaf-mould before the first hard frost.
Move container plants against a warm wall or into an unheated but frost-free porch or greenhouse.
Fleece the top growth on the coldest nights, and keep it on the dry side — dry roots survive cold far better than wet ones.
Lift dahlia-type tubers or tender crowns after the first light frost blackens the foliage and store them somewhere cool but frost-free.

Mortgage Lifter Tomato hardiness — frequently asked questions

Is mortgage lifter tomato cold hardy?

Mortgage Lifter Tomato is half-hardy (RHS H2). It survives a mild winter outdoors in a sheltered spot, but a hard frost kills it — so in colder zones it is lifted, potted, or grown as a tender plant. Borderline outdoors. In its mild end of USDA Grown as a warm-season annual; 2-11 (frost-tender, planted out after last frost) (and sheltered UK gardens) mortgage lifter tomato can stay out; in colder areas it must be lifted, brought in, or treated as a frost-tender plant.

What is the minimum temperature mortgage lifter tomato can survive?

Minimum survivable temperature is roughly about 1 to 5 °C — tolerates cold but no real frost. Mortgage Lifter Tomato shrugs off cold nights but a real, sustained freeze will kill it.

What hardiness zone is mortgage lifter tomato?

Mortgage Lifter Tomato is rated USDA Grown as a warm-season annual; 2-11 (frost-tender, planted out after last frost) and RHS H2 — Tender — survives a frost-free greenhouse or a very mild, sheltered spot.

Can mortgage lifter tomato survive winter outside?

It can live outside year-round only in the mildest, most sheltered part of USDA Grown as a warm-season annual; 2-11 (frost-tender, planted out after last frost) or a frost-free UK microclimate. In colder zones, grow it in a pot you can move under cover, or lift its tubers/roots and store them frost-free over winter. A south-facing wall, free-draining soil and a dry winter position can push it a full zone hardier than the books suggest.

How do I protect mortgage lifter tomato from frost?

Mulch the crown or root zone deeply with bark, straw or leaf-mould before the first hard frost. Move container plants against a warm wall or into an unheated but frost-free porch or greenhouse. Fleece the top growth on the coldest nights, and keep it on the dry side — dry roots survive cold far better than wet ones. Lift dahlia-type tubers or tender crowns after the first light frost blackens the foliage and store them somewhere cool but frost-free.