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Mortgage lenders, and what to ask about adverse credit

A factual, non-price register of UK mortgage lenders. Specialist lenders assess CCJs, defaults, DMPs, IVAs, bankruptcy and missed payments differently from high-street banks; ask each lender how it treats yours.

See what lenders look at with a CCJ Check where you stand

UK mortgage lenders in our register

A general register of UK mortgage lenders, including high-street, buy-to-let and specialist firms, with each firm's regulator status and the products it publishes, each with its source and read date. Inclusion says nothing about whether a lender considers adverse credit or would consider your application; ask the lender or a regulated broker.

MBS Lending

A UK specialist mortgage provider lending to borrowers with poor credit records, operating exclusively through professional brokers.

  • Lender type specialist broker-only lender conducting full affordability assessments source
  • Product types specialist residential mortgages for borrowers with missed payments, CCJs, bankruptcies, repossessions, DMPs and gifted deposits; broker-only source

Foundation Home Loans

A UK specialist mortgage lender offering tiered residential mortgage products for borrowers with adverse credit, available only through professional brokers.

  • Lender type broker-only source
  • Product types residential mortgage products split into four tiers: F1, F2, F3 and F4 source

Vida Homeloans

A UK specialist mortgage lender offering residential mortgage products with flexible lending criteria under a tiered Credit Repair range.

  • Lender type intermediary-only specialist lender source
  • Product types Credit Repair mortgages for complex incomes, low credit scores, and contractors without an established trading history; interest-only mortgages; debt consolidation source

United Trust Bank

A UK bank offering specialist mortgage products through registered intermediaries, including debt consolidation mortgages for borrowers with adverse credit.

  • Lender type broker-only source
  • Product types mortgages including debt consolidation mortgages that repay other debts and combine outstanding payments into one monthly outgoing source

Mansfield Building Society

A UK building society offering a range of residential and buy-to-let mortgage products including specialist Versatility and Credit Repair ranges for borrowers with adverse credit.

  • Lender type building society using manual underwriting without automated credit scoring source
  • Product types standard residential mortgages, Versatility range, Credit Repair mortgages, buy-to-let mortgages, Shared Ownership, holiday let source

Pepper Money

A specialist UK mortgage lender offering products for borrowers in complex or adverse credit situations, available only through authorised professional brokers.

  • Lender type specialist broker-only lender source
  • Product types residential mortgages and buy-to-let mortgages for adverse credit applicants source

Kensington Mortgages

A specialist UK mortgage lender providing lending for complex situations, operating only through brokers.

  • Lender type specialist broker-only lender source
  • Product types Failed Credit Score mortgages for applicants with little credit history, active DMP, defaults, historic CCJs or missed payments relating to unsecured payments source

Bluestone Mortgages

A specialist UK mortgage lender focusing on bad credit mortgages, using a tailored approach that does not rely on credit scoring.

  • Lender type specialist adverse credit lender using tailored underwriting without credit scoring source
  • Product types bad credit mortgages for first-time buyers, remortgage applicants and those using Help to Buy source

Aldermore

A UK mortgage lender offering fixed-rate mortgage products with flexible application criteria, available only through brokers.

  • Lender type broker-only lender source
  • Product types fixed-rate mortgage products source

Family Building Society National Counties Building Society

A UK building society offering buy-to-let mortgages for individuals, limited companies, expats, and HMO landlords.

  • Established year 2014 source
  • Lender type building society offering buy-to-let mortgages for individuals and Limited Companies, including expats source
  • Product types Individual Buy to Let mortgages, Limited Company Buy to Let mortgages, Expat Buy to Let mortgages, HMO mortgages source

Santander UK

One of the seven largest UK lenders active in the buy-to-let mortgage market.

  • Lender type one of the seven largest UK lenders source

Virgin Money Nationwide Building Society

One of the seven largest UK lenders active in the buy-to-let mortgage market.

  • Lender type one of the seven largest UK lenders source
  • Product types Fixed rate, Variable rate, First time buyer mortgages, Remortgages, Moving home, Additional borrowing, Buy to Let, Green mortgages (new build only), 95% mortgages, Shared Ownership, Right to Buy source

HSBC

One of the seven largest UK lenders active in the buy-to-let mortgage market.

  • Lender type one of the seven largest UK lenders source

NatWest NatWest Group

One of the seven largest UK lenders active in the buy-to-let mortgage market.

  • Lender type one of the seven largest UK lenders source
  • Product types buy-to-let mortgages on two- and five-year fixed terms for purchase and remortgage source

Nationwide Nationwide Building Society

One of the seven largest UK lenders active in the buy-to-let mortgage market.

  • Lender type one of the seven largest UK lenders source
  • Product types The Mortgage Works; Subsidiary: Virgin Money (inc. Clydesdale Bank) source

Barclays

One of the seven largest UK lenders active in the buy-to-let mortgage market.

  • Lender type one of the seven largest UK lenders source
  • Product types buy-to-let mortgages for single property in personal name source

Lloyds Banking Group

One of the seven largest UK lenders active in the buy-to-let mortgage market.

  • Lender type one of the seven largest UK lenders source

The Mortgage Works Nationwide Building Society

A buy-to-let mortgage specialist that has offered flexible landlord mortgage solutions since 1988.

  • Established year 1988 source
  • FCA firm reference 189623 source
  • Lender type buy-to-let specialist arm of Nationwide Building Society source
  • Product types buy-to-let mortgages including purchase, switch, further advance, remortgage, HMO, limited company, and Energy Efficiency Further Advance source
  • Regulator status authorised and regulated by the Financial Conduct Authority (FCA) under registration number 189623 source

Leeds Building Society

A UK building society that offers buy-to-let mortgages including fixed rate and tracker rate products for landlords.

  • Lender type building society source
  • Product types Fixed Rate and Tracker Rate buy-to-let mortgages, available for house purchases or for customers remortgaging from another lender source

Skipton Building Society

A UK building society headquartered in Skipton, North Yorkshire, and a member of the Building Societies Association.

  • Lender type building society source
  • Product types Fixed rate, Variable rate, First time buyer mortgages, Remortgages, Moving home, Additional borrowing, Buy to Let, 100% mortgages, Shared ownership mortgages, Interest only source

Chelsea Building Society Yorkshire Building Society

A trading name of Yorkshire Building Society, following a merger in 2010.

  • Lender type trading name of Yorkshire Building Society source
  • Product types mortgages for existing customers only; no new customer mortgage products available source

Principality Building Society

A UK building society headquartered in Cardiff, Wales, and a member of the Building Societies Association.

  • Lender type building society source
  • Product types First Time Buyers' mortgage, Buy to Let and Holiday Let mortgage, Joint Borrower Sole Proprietor mortgage, New Build Properties mortgage source

Progressive Building Society

A UK building society headquartered in Belfast, Northern Ireland, and a member of the Building Societies Association.

  • Lender type building society source

Suffolk Building Society

A UK building society headquartered in Ipswich, formerly known as Ipswich Building Society.

  • Lender type building society source
  • Product types Complex income/wealth/HNW, Expat, Intergenerational, Later life, Self build source

Stafford Railway Building Society

A UK building society headquartered in Stafford, also trading as Stafford Building Society since March 2024.

  • Lender type building society source

Leek United Building Society

A UK building society headquartered in Leek, Staffordshire, also trading as Leek Building Society.

  • Lender type building society source
  • Product types Leek Building Society source

Ecology Building Society

A UK building society headquartered in Silsden, West Yorkshire, and a member of the Building Societies Association.

  • Lender type building society source

Bath Building Society

A UK building society headquartered in Bath, Avon, and a member of the Building Societies Association.

  • Lender type building society source
  • Product types residential mortgages source

National Counties Building Society

A UK building society headquartered in Epsom, also trading as Family Building Society.

  • Lender type building society source
  • Product types Family Building Society source

Newcastle Building Society

A UK building society headquartered in Wallsend, trading also under the Manchester Building Society name.

  • Lender type building society source
  • Product types Manchester Building Society source

Coventry Building Society

The second largest UK building society by assets, headquartered in Coventry, with The Co-operative Bank as a subsidiary.

  • Lender type building society source
  • Product types Subsidiary: The Co-operative Bank source

Yorkshire Building Society

A large UK mutual building society headquartered in Bradford, offering mortgages and savings products under multiple trading names.

  • Lender type building society source
  • Product types Chelsea Building Society; Accord source

Beverley Building Society

Beverley Building Society is a BSA member building society based in Beverley, East Yorkshire.

  • Lender type building society source

Landbay

Landbay is a broker-only specialist buy-to-let lender offering mortgages to limited companies, portfolio landlords, first-time landlords and HMO landlords.

  • Product types buy-to-let mortgages for limited companies, portfolio landlords, first-time landlords and small and large HMOs and multi-unit freehold blocks source

Shawbrook

Shawbrook is a specialist lender offering buy-to-let mortgages on standard buy-to-let, HMOs, multi-unit blocks and semi-commercial property for larger loans.

  • Product types buy-to-let mortgages including standard buy-to-let, HMOs, multi-unit blocks and semi-commercial property source

Kent Reliance OSB Group

Kent Reliance, part of OSB Group, is a specialist buy-to-let lender focusing on large HMOs, multi-unit blocks and complex ownership structures.

  • Lender type part of OSB Group; specialist lender for large HMOs, multi-unit blocks, complex ownership structures and expat landlords source
  • Product types buy-to-let mortgages including large HMO, multi-unit block, limited company and expat landlord products source

Fleet Mortgages

Fleet Mortgages is a buy-to-let specialist lender focused on limited company borrowing, portfolio landlords and HMOs.

  • Product types buy-to-let mortgages including limited company, portfolio landlord and HMO products source

Paragon Bank Paragon Banking Group

Paragon Bank is a specialist buy-to-let lender built around professional and portfolio landlords, offering buy-to-let mortgages including limited company and HMO products.

  • Lender type specialist lender built around professional landlords source
  • Product types buy-to-let mortgages including limited company and HMO products for portfolio landlords source

BM Solutions Lloyds Banking Group

BM Solutions is Lloyds Banking Group's buy-to-let mortgage brand, one of the largest lenders in the sector by volume.

  • Lender type Lloyds Banking Group's buy-to-let brand and one of the largest lenders in the sector by volume source
  • Product types buy-to-let mortgages source

Leek Building Society Leek United Building Society

A trading name of Leek United Building Society, headquartered in Leek, Staffordshire.

  • Lender type trading name of Leek United Building Society source

Marsden Building Society

A BSA member building society headquartered in Nelson, Lancashire, specialising in later life and expat lending.

  • Product types Residential, Later Life and Expat ranges source

Manchester Building Society Newcastle Building Society

A trading name of Newcastle Building Society following merger in 2023.

  • Lender type trading name of Newcastle Building Society source

Stafford Building Society Stafford Railway Building Society

A trading name adopted by Stafford Railway Building Society in March 2024.

  • Lender type trading name of Stafford Railway Building Society (from March 2024) source

Accord Mortgages Limited Yorkshire Building Society

A subsidiary of Yorkshire Building Society that provides offset mortgages, with deposits linked to those mortgages held with Yorkshire Building Society.

  • Lender type subsidiary of Yorkshire Building Society source
  • Product types offset mortgages source

OSL Financial Services

A UK mortgage broker authorised and regulated by the FCA, specialising in adverse credit mortgages for clients across the UK.

  • FCA firm reference 948512 source
  • Regulator status authorised and regulated by the Financial Conduct Authority FRN 948512 source

Buckingham Building Society

A UK building society specialising in mortgages for applicants with past financial difficulties and non-standard or impaired credit, accessed via independent brokers.

  • Lender type broker-only source
  • Product types mortgages for non-standard credit or impaired credit applicants with past financial difficulties; broker-only source

Darlington Building Society

A UK building society offering a range of Adaptable Solutions mortgages for applicants in England, Scotland or Wales with credit issues.

  • Product types Adaptable Solutions mortgages across three levels for applicants with minor, moderate or complex credit challenges source

The Mortgage Lender

A UK specialist mortgage lender using tiered products for adverse credit borrowers, accessible only through professional brokers.

  • Lender type broker-only source

Shawbrook

A UK specialist bank offering buy-to-let mortgages on standard lets, HMOs, multi-unit blocks and semi-commercial property, with an appetite for larger loans and professional landlords.

  • Product types buy-to-let mortgages on standard buy-to-let, HMOs, multi-unit blocks and semi-commercial property source

Aldermore

A UK specialist mortgage lender that takes a common-sense approach to income assessment and lends to self-employed landlords, limited companies, and portfolio landlords.

  • Product types buy-to-let mortgages for self-employed landlords, limited companies, and portfolio landlords source

A specialist lender still has to say yes

The register shows who lends and how each firm is regulated. Whether a lender considers your type of adverse credit, and whether it will lend to you, depends on that lender's criteria and your own file.

Check where you stand with the eligibility tool See what to do in the six months before you apply