Which UK Lenders May Consider Me?
Every UK lender uses different criteria. The same applicant is accepted by some and declined by others for reasons that have nothing to do with credit score. This hub is the plain-English map — by scenario, not by lender.
Information only — not advice. Lender lists come from published lender criteria, reviewed regularly. Your broker remains the person to confirm your exact case.
Browse by category
Employment
Self-employed, contractor, CIS, umbrella company, zero-hours.
Explore questionsResidency & Visa
Skilled Worker visa and time in the UK.
Explore questionsDeposit
Non-family gifted deposits and concessionary purchases.
Explore questionsProperty
Flats above shops, high-rise flats, non-standard construction.
Explore questionsIncome types
Dividend income and lodger or rental income.
Explore questionsAll lender questions
Every published question, grouped by category. Each links to a per-scenario page listing the lenders whose published criteria may fit it.
employment
residency
deposit
property
Why lender criteria vary
UK lenders are independent businesses, each with their own risk appetite, funding model, and manual-underwriting culture. Two lenders can look at identical income, identical credit history and identical property — and one lends £300,000 while the other says no. Understanding which factors move the lender pool most can help you avoid a wasted credit search.
Each question page here answers a single narrow question ("which lenders accept a zero-hours contract?") with a list of lenders taken from their own policy documents. You can filter the list by deposit size and adverse credit, plus one extra question on some pages (such as time left on your visa), and see the caveats each lender attaches to your scenario.
Know the numbers, too
Knowing which lenders might consider you is half the picture. The other half is roughly how much lenders might lend. Our affordability check gives you estimates from 57 UK lenders at the same time.
Run My Affordability Check