Get Started

See how your lender handles a remortgage

This directory lists UK mortgage lenders, so you can check how yours works before you remortgage or move to a new deal.

Estimate your early repayment charge See what your number means

UK mortgage lenders

A reference list of lenders operating in the UK, for when you want to check who's who before a call with your bank or a broker. It won't show you rates or deals — those change daily and depend on your circumstances.

The Mortgage Works Nationwide Building Society

The Mortgage Works is the buy-to-let mortgage arm of Nationwide Building Society, offering buy-to-let mortgages to landlords including limited company and HMO borrowers.

  • 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

Barclays

Barclays is a major UK bank offering buy-to-let mortgages directly to consumers, typically suited to straightforward single-property cases.

  • product_types buy-to-let mortgages for single property in personal name 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

Foundation Home Loans

Foundation Home Loans is a specialist buy-to-let lender focusing on HMOs, student lets and multi-unit freehold blocks.

  • lender_type broker-only source
  • product_types buy-to-let mortgages specialising in HMOs, student lets and multi-unit freehold blocks with limited company and portfolio criteria 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

Aldermore

Aldermore is a specialist mortgage lender known for buy-to-let products accessible to self-employed landlords, limited companies and portfolio landlords.

  • lender_type broker-only source
  • product_types buy-to-let mortgages including limited company and HMO products for self-employed and portfolio landlords 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

Progressive Building Society

The only building society headquartered in Northern Ireland, based in Belfast and a BSA member.

  • lender_type building society source

National Counties Building Society

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

  • lender_type building society source
  • product_types Family Building Society source

Newcastle Building Society

An independent UK building society headquartered in Wallsend, trading also as Manchester Building Society.

  • lender_type building society source
  • product_types Manchester Building Society 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

Suffolk Building Society

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

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

Family Building Society National Counties Building Society

A trading name of National Counties Building Society, established in July 2014.

  • established_year July 2014 source
  • lender_type trading name of National Counties Building Society source
  • product_types Owner Occupier mortgages, Buy to Let mortgages, Retirement Interest-Only (RIO) mortgage, Joint Borrower Sole Proprietor (JBSP) source

Chelsea Building Society Yorkshire Building Society

A trading name of Yorkshire Building Society following merger in 2010, not an independent building society.

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

Ecology Building Society

An independent UK building society headquartered in Silsden, West Yorkshire, and a BSA member.

  • lender_type building society source

Coventry Building Society

The second largest building society in the UK, 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 independent building society headquartered in Bradford, trading also as Chelsea Building Society and Accord.

  • lender_type building society source
  • product_types Chelsea Building Society; Accord source

Nationwide Building Society

The largest building society in the UK and the world, headquartered in Swindon.

  • lender_type mutual building society source
  • product_types The Mortgage Works; Subsidiary: Virgin Money (inc. Clydesdale Bank) source

Bath Building Society

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

  • lender_type building society source
  • product_types residential mortgages source

Principality Building Society

Principality Building Society is the largest building society in Wales, based in Cardiff.

  • 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

Skipton Building Society

Skipton Building Society is one of the UK's largest building societies, based in North Yorkshire.

  • 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

Leeds Building Society

Leeds Building Society is a major UK building society offering residential and buy-to-let mortgages.

  • lender_type building society source
  • product_types Fixed Rate and Tracker products for buy-to-let, available for house purchases or for customers remortgaging from another lender source

Virgin Money Nationwide Building Society

Virgin Money is a subsidiary bank of Nationwide Building Society offering mortgage and financial services 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

The Mansfield Building Society Mansfield Building Society

The Mansfield Building Society is a UK building society offering residential mortgages including lending into retirement, buy-to-let, holiday lets, shared ownership, and interest-only products.

  • lender_type building society using manual underwriting with no automated credit scoring systems, lending through authorised intermediaries only source
  • product_types first time buyer, moving home, remortgage, lending into retirement, shared ownership, interest only, buy to let, holiday lets 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

Vida Homeloans

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

  • lender_type intermediary-only specialist lender source
  • product_types residential mortgages including Credit Repair mortgages and interest-only mortgages source

United Trust Bank

A UK specialist mortgage lender working exclusively with registered intermediaries, offering mortgages including for debt consolidation and adverse credit borrowers.

  • lender_type broker-only 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 using tiered products for adverse credit borrowers, accessible only through professional brokers.

  • lender_type broker-only source

Pepper Money

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

  • lender_type broker-only source
  • product_types residential mortgages and buy-to-let mortgages for adverse credit applicants source

Kensington Mortgages

A UK specialist mortgage lender offering tailored products for complex situations including adverse credit, accessed only through brokers.

  • lender_type broker-only 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

Bluestone Mortgages

A specialist UK mortgage lender that does not use credit scoring and focuses on tailored assessment of bad credit 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 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

Stafford Railway Building Society

A building society that also trades as Stafford Building Society since March 2024.

  • lender_type mutual building society source

Buckinghamshire Building Society

An independent mutually owned 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

Co-operative Bank Coventry Building Society

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

  • lender_type subsidiary bank of Coventry Building Society source

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

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 loans for UK borrowers with a less-than-perfect credit history 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

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

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

A lender list is more useful once you know your number

Work out what your new payment could look like before you start comparing lenders, so you know what you're comparing against.

See what your number means Find out what to do next