This directory lists who regulates each lender, what kind of mortgage products they offer, and how long they've been operating. It does not include rates or fees, because those change daily and depend on your own circumstances, so check current deals with the lender or a broker directly.
You'll find each lender's regulator status and the type of mortgages they offer here, not their current rates. Pricing changes daily and depends on your circumstances, so check with the lender directly or ask a broker for that part.
The Mortgage Lender (TML) is an intermediary-only specialist mortgage provider offering tiered residential mortgage products for borrowers with adverse credit including active DMPs, CCJs and defaults.
United Trust Bank is an intermediary-only specialist lender offering residential mortgages including debt consolidation products for borrowers with adverse credit, assessed individually with no minimum credit score.
Foundation Home Loans is an intermediary-only specialist residential mortgage lender offering tiered products including for borrowers with adverse credit histories.
Vida Homeloans is an intermediary-only specialist mortgage lender offering residential and buy-to-let products including Credit Repair mortgages for borrowers with adverse credit histories.
Mansfield Building Society is 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 histories.
Kensington Mortgages is a specialist intermediary-only lender that has been providing mortgages for borrowers with adverse credit, complex incomes and other non-standard circumstances for over 25 years.
Pepper Money is a specialist mortgage lender offering products for borrowers with adverse credit histories including CCJs, defaults and debt management plans, available only through authorised professional brokers.
Bluestone Mortgages is an intermediary-only specialist lender focused on bad credit mortgages, using a tailored individual assessment approach rather than credit scoring.
Aldermore is a specialist mortgage lender offering fixed-rate residential and investment mortgage products, available exclusively through broker intermediaries.
Paragon Bank is a specialist UK lender that worked with ARLA members to design the first buy-to-let mortgage product introduced in 1996.
Family Building Society is a UK building society offering buy-to-let mortgages for individuals, limited companies, expats, and HMO landlords.
The Mortgage Works is a specialist buy-to-let mortgage lender and wholly owned subsidiary of Nationwide Building Society.
Teachers Building Society is a BSA member mutual building society headquartered in Wimborne, Dorset.
Cumberland Building Society is a BSA member mutual building society headquartered in Carlisle, Cumbria.
Suffolk Building Society (formerly Ipswich Building Society) is a BSA member mutual building society headquartered in Ipswich.
Scottish Building Society is a BSA member mutual building society headquartered in Edinburgh and is the only building society headquartered in Scotland.
National Counties Building Society is a BSA member mutual building society headquartered in Epsom, Surrey, which also trades as Family Building Society.
Stafford Railway Building Society is a BSA member mutual building society headquartered in Stafford, which also trades as Stafford Building Society since March 2024.
Ecology Building Society is a BSA member mutual building society headquartered in Silsden, West Yorkshire.
Progressive Building Society is a BSA member mutual building society headquartered in Belfast, Northern Ireland.
Newcastle Building Society is a BSA member mutual building society headquartered in Wallsend, which also trades as Manchester Building Society following a 2023 merger.
Principality Building Society is a BSA member mutual building society headquartered in Cardiff, Wales.
Leeds Building Society is a BSA member mutual building society headquartered in Leeds, West Yorkshire.
Skipton Building Society is a BSA member mutual building society headquartered in Skipton, North Yorkshire.
Yorkshire Building Society is the second-largest building society in the UK and a BSA member, operating under trading names including Chelsea Building Society and Accord.
This directory tells you who's regulated and what they lend on, not what a new deal would cost you. Put your outstanding balance and remaining term through the calculator first, so you're asking the right question when you call.