Which UK Lenders Lend With a Debt Management Plan (DMP)?
Most UK lenders prefer a DMP to be satisfied before they'll consider an application. A minority of specialist lenders will consider active DMPs with a strong conduct record.
Data refreshed 2026-05-03. Information only — not advice.
Your situation
High Street Lenders
- Halifax— Up to 95% LTV, DMP ≥6yr ago, not outstanding
- Metro Bank— Up to 95% LTV, DMP satisfied
- TSB— Up to 95% LTV, no DMP in last 6yr
Building Societies
- Accord Mortgages— Up to 99% LTV, DMP satisfied ≥6yr
- Bath Building Society— Up to 70% LTV, DMP satisfied ≥1yr (95% LTV needs none in 6yr)
- Beverley Building Society— Up to 95% LTV, DMP discharged ≥2yr
- Buckinghamshire Building Society— Up to 90% LTV, no DMP in last 3yr
- Cambridge Building Society— Refer — DMP ≤£5,000 satisfied/outstanding in last 36m
- Chorley Building Society— Up to 95% LTV, DMP commenced ≥2yr ago
- Darlington Building Society— Up to 95% LTV, DMP satisfied ≥3yr
- Dudley Building Society— Up to 90% LTV, no DMP within last 3yr
- Earl Shilton Building Society— Up to 95% LTV, DMP cleared ≥3yr
- Ecology Building Society— DMP cleared ≥2yr (≤80% LTV) or ≥3yr (higher LTV)
- Hanley Economic Building Society— Up to 95% LTV, DMP redeemed ≥2yr ago
- Hinckley & Rugby Building Society— Up to 95% LTV, DMP satisfied ≥1yr
- Loughborough Building Society— Up to 95% LTV, DMP satisfied ≥3yr
- Mansfield Building Society— Up to 95% LTV, DMP satisfied ≥3yr (Standard)
- Saffron Building Society— Up to 95% LTV, DMP settled ≥3yr
- Skipton Building Society— Up to 100% LTV, no missed payments on any account in last 12m
- Stafford Railway Building Society— Up to 95% LTV, DMP discharged & cleared ≥1yr
- Suffolk Building Society— Up to 75% LTV, DMP satisfied ≥3yr
- Teachers Building Society— Up to 95% LTV, no DMPs outstanding in last 2yr
- The Melton Building Society— Refer — historic DMP considered for existing homeowners
- Tipton & Coseley Building Society— Up to 95% LTV, DMP repaid ≥1yr ago
- Vernon Building Society— Up to 95% LTV, DMP satisfied ≥1yr and ≥3yr old
- West Bromwich Building Society— Up to 95% LTV, DMP managed ≥3yr
Specialist Lenders
- Aldermore— Up to 95% LTV, DMP maintained satisfactorily ≥12m
- Atom Bank— Refer — DMP considered if other adverse criteria met
- Bluestone Mortgages— Up to 90% LTV, active DMP OK if satisfactorily maintained
- BM Solutions— Up to 80% LTV, DMP ≥6yr ago and not outstanding
- CHL Mortgages— Up to 75% LTV (BTL), Status 0 in last 36m
- Foundation Home Loans— Up to 90% LTV, 12m satisfactory conduct on F2/F3/F4
- Hodge Bank— Up to 95% LTV, DMP discharged ≥3yr
- Kensington Mortgages— Up to 95% LTV, active DMPs OK with maintained payments
- Legal & General Home Finance— Up to 60% LTV, DMP satisfied ≥6yr
- LendInvest— Up to 90% LTV, DMP 0 in last 12m (Progress)
- LiveMore— Up to 80% LTV, DMP per product tier
- Norton Home Loans— Up to 80% LTV, active DMP OK with 6m on-time conduct
- Pepper Money— Active DMP ≥12m on Pepper 12/18/24 products
- Precise Mortgages— Up to 95% LTV if DMP satisfied ≥3yr; ≤75% LTV if active or <3yr
- The Mortgage Lender— Up to 95% LTV, active DMP payment plans accepted
- Together— DMP satisfied ≥6yr
- Vida Homeloans— Refer — adverse tier per product guide
- West One Loans— Up to 97.5% LTV, DMP discharged ≥6yr (Premier); ≥3yr (Prime)
Why some lenders say no
- Most lenders want the DMP fully satisfied (completed and closed) before considering.
- Active DMPs are accepted by a small specialist pool — typically with a higher deposit.
- Time since satisfaction matters — most want 12-36 months clean before considering.
Related reading: Getting a mortgage with a DMP · Adverse credit timeline
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Run My Affordability CheckFrequently asked questions
Does my DMP have to be closed?
For most lenders, yes. A small pool of specialists (Pepper, Vida, Kensington, Together) will consider active DMPs with 12+ months of on-time payments.
How long after DMP satisfaction can I apply?
High-street lenders typically want 36 months clean. Specialists often consider from 12 months. The time since the DMP was set up also matters to some lenders.
What about an IVA or bankruptcy?
IVAs and bankruptcies are separate categories with their own criteria — usually stricter than DMPs. Once discharged, time-since-discharge is the main factor.
Do I need a bigger deposit?
Usually yes. Most specialist lenders cap LTV at 80-85% for DMP applicants, regardless of satisfaction. A 20% deposit expands the lender pool meaningfully.
