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 2026-07-15. Information only — not advice.
Your situation
High Street Lenders
- Halifax— Up to 95% LTV, DMP satisfied ≥6yr
- Metro Bank— Up to 95% LTV, satisfaction only
- NatWest— Up to 95% LTV, DMP satisfied ≥6yr
- The Co-operative Bank— Up to 95% LTV
- TSB— Up to 95% LTV, DMP satisfied ≥6yr
Building Societies
- Accord Mortgages— Up to 95% LTV (its 99% £5k Deposit product is first-time-buyer only and excludes new builds), DMP satisfied ≥6yr
- Bath Building Society— Up to 95% LTV, DMP satisfied ≥1yr
- Beverley Building Society— Up to 95% LTV, DMP satisfied ≥2yr
- Buckinghamshire Building Society— Up to 90% LTV, DMP satisfied ≥3yr
- Chorley Building Society— Up to 95% LTV, DMP satisfied ≥2yr
- Darlington Building Society— Up to 95% LTV (80% for London/M25 remortgage)
- Dudley Building Society— Up to 90% LTV, DMP satisfied ≥3yr
- Earl Shilton Building Society— Up to 95% LTV, DMP satisfied ≥3yr
- Ecology Building Society— Green-gated lending only — every product requires the property to meet ecological/EPC criteria; LTV varies by product (Eco Home/Green Renovation 80%, Renovation 90%, Shared Ownership 95% of share)
- Family Building Society— Up to 80% LTV
- Hanley Economic Building Society— Up to 95% LTV, DMP satisfied ≥2yr
- Hinckley & Rugby Building Society— Up to 95% LTV
- Loughborough Building Society— Up to 95% LTV, DMP satisfied ≥3yr
- Mansfield Building Society— Up to 95% LTV, DMP satisfied ≥3yr
- Saffron Building Society— Up to 95% LTV, DMP satisfied ≥3yr
- Skipton Building Society— Up to 95% LTV (its 100% Track Record product is clean-credit only)
- Stafford Railway Building Society— Up to 95% LTV, DMP satisfied ≥1yr
- Suffolk Building Society— Up to 95% LTV, DMP satisfied ≥3yr
- Teachers Building Society— Up to 95% LTV, DMP satisfied ≥2yr
- The Melton Building Society— Up to 95% LTV (interest-only 60%, London 60%)
- Tipton & Coseley Building Society— Up to 95% LTV, DMP satisfied ≥1yr
- Vernon Building Society— Up to 95% LTV, DMP satisfied ≥3yr
- West Bromwich Building Society— Up to 95% LTV, DMP satisfied ≥3yr
Specialist Lenders
- Aldermore— Up to 95% LTV, DMP satisfied ≥1yr
- Atom Bank— Up to 95% LTV
- Bluestone Mortgages— Up to 90% LTV
- Central Trust— Remortgage and capital-raising only — does not currently lend on property purchases
- CHL Mortgages— Up to 75% LTV
- Foundation Home Loans— Up to 90% LTV, DMP satisfied ≥1yr
- Hodge Bank— Up to 95% LTV, DMP satisfied ≥3yr
- Kensington Mortgages— Up to 95% LTV, DMP satisfied ≥1yr
- Legal & General Home Finance— Up to 60% LTV, DMP satisfied ≥6yr
- LendInvest— Up to 90% LTV, DMP satisfied ≥1yr
- LiveMore— Up to 80% LTV, DMP satisfied ≥3yr
- Norton Home Loans— Up to 80% LTV
- Pepper Money— Up to 85% LTV (75% above £750k), DMP considered once satisfied 12+ months
- Perenna— Up to 95% LTV, DMP satisfied ≥6yr
- Precise Mortgages— Up to 95% LTV, DMP satisfied ≥3yr
- The Mortgage Lender— Up to 95% LTV, DMP satisfied ≥1yr
- Together— Up to 75% LTV, not on Prime Plus; Prime considers a DMP satisfied 2+ years, by referral
- Vida Homeloans— Up to 97% LTV
- West One Loans— Up to 97.5% LTV, DMP satisfied ≥6yr
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.
