Specialist lenders who look at adverse credit differently

HSBC HSBC Bank plc

A major UK-authorised bank operating under multiple brands including HSBC Private Banking and First Direct, with FSCS deposit protection shared across those brands.

• lender_type UK-authorised bank operating under multiple brands sharing a single PRA authorisation source

Accord Mortgages Limited Yorkshire Building Society

A subsidiary of Yorkshire Building Society that provides offset mortgage products, with associated deposits held with Yorkshire Building Society.

• lender_type Subsidiary of Yorkshire Building Society offering offset mortgages source
• product_types buy-to-let mortgages for purchase, remortgage with capital raising, and straight switch remortgages source

Mansfield Building Society

A UK building society that uses manual underwriting and offers a tiered range of residential mortgage products including Versatility and Credit Repair ranges for borrowers with adverse credit.

• lender_type building society using manual underwriting with no automated credit scoring systems, lending through authorised intermediaries only source
• product_types standard residential mortgages, Versatility range, Versatility Plus, and Credit Repair mortgage products; also buy-to-let, self-build, shared ownership, holiday lets and product transfers source

Buckingham Building Society

A UK building society specialising in mortgages for borrowers with past financial difficulties or non-standard credit, available through independent brokers.

• lender_type specialist bad credit building society operating exclusively through independent broker intermediaries, not accepting direct applications 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 tiered range of Adaptable Solutions mortgages for borrowers in England, Scotland or Wales with credit issues.

• product_types Adaptable Solutions mortgages in three levels: Level 1 non-standard for minor credit problems, Level 2 credit repair mortgages, and Level 3 for complex credit challenges including IVA or bankruptcy in the last three years source

Norwich Trust Norfolk Capital Group

A UK direct lender incorporated in 2020 and part of the Norfolk Capital Group that provides unsecured homeowner loans to borrowers with adverse credit histories.

• lender_type direct lender providing unsecured homeowner loans, part of the Norfolk Capital Group, authorised by the FCA source
• product_types unsecured homeowner loans for bad credit borrowers including those with CCJs, defaults and missed payments; loan amounts from £3,000 to £25,000 with terms from 3 to 10 years; excludes borrowers in active IVAs, DMPs, Trust Deeds or recent bankruptcies source

Foundation Home Loans

A UK specialist residential mortgage lender offering tiered products through professional brokers for applicants with adverse credit histories.

• lender_type intermediary-only specialist lender source
• product_types residential mortgage products split into four tiers (F1, F2, F3 and F4) for applicants with adverse credit including bankruptcies, IVAs, DROs and unsatisfied CCJs; available only through approved brokers source

Vida Homeloans

A UK specialist mortgage lender offering a range of residential Credit Repair mortgage products with flexible lending criteria for adverse credit borrowers.

• lender_type intermediary-only specialist lender source
• product_types residential Credit Repair mortgages with five product tiers for complex incomes, low credit scores, contractors without established trading history; accepts DMPs, DROs, CCJs, defaults and bankruptcies subject to conditions source

United Trust Bank

A UK specialist mortgage lender working exclusively with registered intermediaries that assesses every application individually with no minimum credit score.

• lender_type specialist mortgage lender working only with registered intermediaries and brokers, with no minimum credit score requirement source
• product_types buy-to-let mortgages for single-let, HMO, multi-unit block and holiday let applications source

The Mortgage Lender

A UK specialist mortgage lender operating through professional brokers that offers tiered products for applicants with adverse credit including active DMPs, CCJs and defaults.

• lender_type intermediary-only specialist mortgage lender source
• product_types tiered residential mortgage products including Real Life 0 product for complex or variable self-employed incomes; accepts applicants with active DMPs, CCJs and defaults source

Pepper Money

A UK specialist mortgage provider offering tiered bad credit mortgage products exclusively through authorised professional brokers.

• lender_type intermediary-only specialist mortgage lender source
• product_types tiered residential bad credit mortgages for applicants with unsatisfied CCJs, defaults, unsecured credit accounts; interest-only mortgages also available source

Kensington Mortgages

A UK specialist mortgage lender providing tailored lending for complex situations including adverse credit, available exclusively through brokers.

• lender_type specialist mortgage lender working exclusively through broker intermediaries with experienced underwriting team tailoring offers to individual applicant requirements source
• product_types specialist residential mortgages including Failed Credit Score mortgages for applicants with little credit history, active DMPs, defaults, historic CCJs or missed payments relating to unsecured payments source

Aldermore

A UK mortgage lender offering fixed-rate mortgage products with flexible application criteria including for borrowers with adverse credit.

• lender_type specialist mortgage lender operating exclusively through broker intermediaries, not lending directly to the public source
• product_types fixed-rate mortgages for adverse credit borrowers, including those on a Debt Management Plan, with an IVA, Debt Relief Order, or bankruptcy, and those with CCJs or defaults source

Bluestone Mortgages

A UK specialist mortgage lender that focuses on bad credit applicants and does not use credit scoring to assess applications.

• lender_type intermediary-only specialist bad credit mortgage lender source
• product_types bad credit mortgages for first-time buyers, remortgage applicants and those using Help to Buy; considers unsatisfied CCJs and defaults, IVAs, DMPs or past bankruptcies, and debt consolidation plans source

Landbay

Landbay is a UK specialist buy-to-let mortgage lender offering products for individual landlords and limited company SPVs.

• product_types buy-to-let mortgages for individual landlords and limited company SPVs, including two-year and five-year fixed rates source

CHL Mortgages Chetwood Bank Group

CHL Mortgages is a specialist buy-to-let lender and part of the Chetwood Bank Group, offering mortgages for single dwelling, small HMO and short-term let properties.

• product_types buy-to-let mortgages for single dwelling, small HMO and short-term let property types source

Family Building Society

Family Building Society is a UK building society offering buy-to-let mortgage products for UK landlords, limited companies and expat borrowers.

• lender_type Trading name of National Counties Building Society; BSA member source
• product_types buy-to-let mortgages for UK landlords, limited companies and expat borrowers source

NatWest NatWest Group

NatWest is a major UK bank offering buy-to-let mortgage products for landlords.

• product_types buy-to-let mortgages on two- and five-year fixed terms for purchase and remortgage source

Metro Bank

Metro Bank is a UK bank offering buy-to-let mortgage products including HMO and multi-unit freehold block mortgages for personal and limited company landlords.

• product_types buy-to-let HMO mortgages, multi-unit freehold block mortgages, personal and limited company buy-to-let mortgages source

Aldermore Bank

Aldermore Bank is a UK specialist lender offering buy-to-let mortgage products for individual and company landlords.

• product_types buy-to-let mortgages for individual landlords, company landlords, single residential properties, multiple properties, and HMOs source

Paragon Bank Paragon Banking Group

Paragon Bank is a specialist buy-to-let mortgage lender and part of the Paragon Banking Group, originating the first specialist buy-to-let mortgage products in 1996.

• established_year 1996 source
• product_types buy-to-let mortgages for single self-contained units, HMOs, multi-unit blocks, multi-property buy-to-let mortgages source

Barclays

Barclays is a major UK bank offering buy-to-let mortgages for individual landlords and limited companies.

• product_types buy-to-let mortgages, Premier landlord mortgages, limited company buy-to-let mortgages, residential investment mortgages source

The Mortgage Works Nationwide Building Society

The Mortgage Works is a specialist buy-to-let mortgage lender and wholly owned subsidiary of Nationwide Building Society.

• fca_firm_reference 189623 source
• lender_type specialist buy-to-let mortgage lender source
• product_types buy-to-let mortgages for individual landlords and limited companies, let-to-buy mortgages, portfolio landlord mortgages source
• regulator_status authorised and regulated by the Financial Conduct Authority under registration number 189623 source

Bath Building Society

A small UK mutual building society based in Bath that lends throughout England, Wales and Scotland with specialist niche products.

• lender_type building society source
• product_types residential mortgages (England, Wales and Scotland), niche products source

Ecology Building Society

A UK mutual building society based in Silsden, West Yorkshire, specialising in mortgages for ecological and sustainable properties.

• lender_type building society (mutual) source

Melton Mowbray Building Society

A UK mutual building society based in Melton Mowbray offering residential, buy-to-let, self-build and credit repair mortgages across England and Wales.

• product_types BTL Mortgages, Credit Repair Mortgages, Residential Mortgages, Self-build mortgages, Shared ownership source

Buckinghamshire Building Society

A UK mutual building society founded in 1907, based in Chalfont St Giles, offering specialist mortgage products through intermediaries.

• established_year 1907 source
• product_types Bucks Solutions, Buy-to-Let, Family Assist, Joint Borrower / Sole Proprietor, Later Life Lending source

Suffolk Building Society

A UK mutual building society formerly known as Ipswich Building Society, offering specialist mortgage products across England and Wales.

• lender_type building society (formerly Ipswich Building Society) source
• product_types Complex income/wealth/HNW, Expat, Intergenerational, Later life, Self build source

Saffron Building Society

A UK mutual building society based in Saffron Walden specialising in residential and buy-to-let mortgages including self-build and contractor products.

• product_types BTL/Ltd Co BTL/ExPat BTL, Contractor, JBSP for FTBs/FTB, Self-Build, Self-employed source

Hinckley & Rugby Building Society

A UK mutual building society offering specialist residential and buy-to-let mortgages with manual underwriting.

• product_types Complex incomes, Interest only, JBSP - Family & Non-family, Ltd Co Buy to Let (inc. top slicing), Visa Applicants (various types of visa considered) source

Leeds Building Society

The fifth-largest UK building society, a mutual lender headquartered in Leeds offering residential and buy-to-let mortgages.

• lender_type Building society; BSA member source
• product_types BTL/HMO, High LTV Mainstream, Ltd Co BTL, New Build, Shared ownership source

Manchester Building Society Newcastle Building Society

Manchester Building Society is a trading name of Newcastle Building Society and a BSA member.

• lender_type Trading name of Newcastle Building Society source

Co-operative Bank Coventry Building Society

The Co-operative Bank is a subsidiary bank of Coventry Building Society and a BSA member.

• lender_type Subsidiary bank of Coventry Building Society source

Virgin Money Nationwide Building Society

Virgin Money is a subsidiary bank of Nationwide Building Society and a BSA member offering residential and buy-to-let mortgage products.

• lender_type Subsidiary bank of Nationwide Building Society 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

Chelsea Building Society Yorkshire Building Society

Chelsea Building Society is a trading name of Yorkshire Building Society, a BSA member.

• lender_type Trading name of Yorkshire Building Society source
• product_types mortgages for existing customers only; no new customer mortgage products available source

Coventry Building Society

Coventry Building Society is a BSA member and one of the UK's largest building societies, offering a range of residential and buy-to-let mortgage products.

• lender_type building society; parent of Co-operative Bank source
• product_types Fixed rate, Variable rate (existing borrowers only), First time buyer mortgages, Remortgages, Moving home, Additional borrowing, Buy to Let, Right to Buy, Interest only source

Newcastle Building Society

Newcastle Building Society is a BSA member building society offering residential mortgage products to first-time buyers, home movers, and remortgage customers.

• lender_type building society (mutual), BSA member; Manchester Building Society is a trading name of Newcastle Building Society source
• product_types First time buyers, Remortgaging, Moving home, Fixed rate, Tracker, Variable rate mortgages source

Newbury Building Society

Newbury Building Society is a BSA member building society offering residential mortgages including specialist later-life and retirement interest-only products.

• product_types Standard residential mortgages with terms to age 90, Retirement Interest-Only (RIO) mortgages for retired applicants aged 60+ source

Yorkshire Building Society

Yorkshire Building Society is a major UK building society and BSA member offering a range of mortgage products including fixed rate, tracker, offset, and first-time buyer mortgages.

• lender_type Building society; parent of trading names Chelsea Building Society and Norwich & Peterborough Building Society source
• product_types Tracker mortgages, Fixed rate mortgages, Offset mortgages, Interest only mortgages, First time buyer mortgages, 95% mortgages, Joint borrower sole proprietor mortgages, The 5k deposit mortgage source

Skipton Building Society

Skipton Building Society is a BSA member building society offering residential, buy-to-let, and specialist mortgage products including a 100% Track Record mortgage.

• lender_type building society source
• product_types First-time buyers, Remortgaging, Buy to Let mortgages source

Nationwide Building Society

Nationwide Building Society is the UK's largest building society and a major mortgage lender offering a broad range of residential and buy-to-let mortgage products.

• lender_type building society; parent of Virgin Money source
• product_types Remortgages, Fixed rate, Variable rate, First time buyer mortgages, Moving home, Interest-only, Additional borrowing, Buy to Let via sub-brand The Mortgage Works, Green mortgages, Shared Ownership mortgages, Right to Buy source

Pepper Money

Pepper Money is a UK specialist mortgage lender offering tiered mortgage products for borrowers with adverse credit histories, operating exclusively through authorised professional brokers.

• lender_type broker-only specialist mortgage lender source
• product_types tiered residential mortgages and interest-only mortgages for borrowers with unsatisfied CCJs, defaults, unsecured credit accounts and other adverse credit; broker-only source

MBS Lending

MBS Lending is a UK specialist mortgage provider that considers applicants with poor credit records including CCJs, bankruptcies, repossessions and DMPs, operating exclusively through professional brokers.

• product_types specialist residential mortgages for borrowers with missed payments, CCJs, bankruptcies, repossessions, DMPs and gifted deposits; broker-only source

Zephyr Homeloans

Zephyr Homeloans is a UK buy-to-let mortgage lender offering fixed rate products.

• product_types buy-to-let fixed rate mortgages source

National Counties Building Society

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

• lender_type building society (also trades as Family Building Society) source
• product_types Family 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 (also trades as Leek Building Society) source
• product_types Leek Building Society source

Progressive Building Society

A UK building society headquartered in Belfast, Northern Ireland, and the only building society headquartered in Northern Ireland.

• lender_type building society source

Stafford Building Society Stafford Railway Building Society

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

• lender_type trading name of Stafford Railway Building Society source

Principality Building Society

Principality Building Society is a Welsh building society and BSA member offering mortgage products.

• lender_type Building society; BSA member source
• product_types First Time Buyers' mortgage, Buy to Let and Holiday Let mortgage, Joint Borrower Sole Proprietor mortgage, New Build Properties mortgage source

Stafford Railway Building Society

Stafford Railway Building Society is a UK building society and BSA member that has traded as Stafford Building Society since March 2024.

• lender_type Building society; trades as Stafford Building Society from March 2024 source