Which UK Lenders Lend With a Satisfied Default?

Most UK lenders will consider a satisfied default with enough time elapsed since the satisfaction date. Age and count are the two main filters; the value of the default matters less.

Data refreshed 2026-04-22. Information only — not advice.

Your situation

Deposit (% of property value)

Adverse credit (CCJ, default, DMP)?

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66 of 66 matching lenders for your situation

High Street Lenders

AIB— Up to 95% LTV, default must be ≥24 months old
Barclays— Up to 95% LTV, default must be ≥36 months old
Clydesdale Bank— Up to 95% LTV, default must be ≥12 months old
Halifax— Up to 95% LTV, default must be ≥72 months old
Metro Bank— Up to 95% LTV, default must be ≥36 months old
The Co-operative Bank— Up to 95% LTV, default must be ≥72 months old
TSB— Up to 95% LTV, default must be ≥36 months old
Virgin Money— Up to 95% LTV, default must be ≥12 months old

Building Societies

Accord Mortgages— Up to 99% LTV, default must be ≥72 months old
Bath Building Society— Up to 95% LTV, default must be ≥24 months old
Beverley Building Society— Up to 95% LTV, default must be ≥36 months old
Buckinghamshire Building Society— Up to 90% LTV, default must be ≥24 months old
Cambridge Building Society— Up to 95% LTV, default must be ≥24 months old
Chorley Building Society— Up to 95% LTV, default must be ≥24 months old
Coventry Building Society— Up to 95% LTV, default must be ≥36 months old
Cumberland Building Society— Up to 95% LTV
Darlington Building Society— Up to 95% LTV, default must be ≥36 months old
Dudley Building Society— Up to 90% LTV, default must be ≥36 months old
Earl Shilton Building Society— Up to 95% LTV, default must be ≥36 months old
Ecology Building Society— default must be ≥36 months old
Family Building Society— Up to 80% LTV, default must be ≥36 months old
Furness Building Society— Up to 95% LTV, default must be ≥36 months old
Godiva Mortgages— Up to 95% LTV, default must be ≥36 months old
Hanley Economic Building Society— Up to 95% LTV, default must be ≥12 months old
Hinckley & Rugby Building Society— Up to 95% LTV, default must be ≥3 months old
Leeds Building Society— Up to 95% LTV, default must be ≥36 months old
Leek Building Society— Up to 95% LTV, default must be ≥36 months old
Loughborough Building Society— Up to 95% LTV, default must be ≥6 months old
Mansfield Building Society— Up to 95% LTV, default must be ≥24 months old
Market Harborough Building Society— Up to 80% LTV, default must be ≥36 months old
Marsden Building Society— Up to 95% LTV, default must be ≥36 months old
Monmouthshire Building Society— Up to 95% LTV, default must be ≥6 months old
Newcastle Building Society— Up to 95% LTV, default must be ≥36 months old
Nottingham Building Society— Up to 95% LTV, default must be ≥36 months old
Principality Building Society— Up to 95% LTV, default must be ≥72 months old
Saffron Building Society— Up to 95% LTV, default must be ≥24 months old
Scottish Building Society— Up to 95% LTV, default must be ≥36 months old
Skipton Building Society— Up to 100% LTV, default must be ≥24 months old
Suffolk Building Society— Up to 95% LTV, default must be ≥36 months old
Teachers Building Society— Up to 95% LTV, default must be ≥36 months old
The Melton Building Society— default must be ≥36 months old
Tipton & Coseley Building Society— Up to 95% LTV, default must be ≥6 months old
Vernon Building Society— Up to 95% LTV

Specialist Lenders

Aldermore— Up to 95% LTV, default must be ≥36 months old
Atom Bank— Up to 95% LTV, default must be ≥36 months old
Bluestone Mortgages— Up to 90% LTV, default must be ≥36 months old
Castle Trust— default must be ≥12 months old
CHL Mortgages— Up to 75% LTV
Fleet Mortgages— Up to 75% LTV, default must be ≥36 months old
Gatehouse Bank— Up to 80% LTV, default must be ≥13 months old
Generation Home— Up to 95% LTV, default must be ≥36 months old
Hodge Bank— Up to 95% LTV, default must be ≥36 months old
Kensington Mortgages— Up to 95% LTV, default must be ≥6 months old
Keystone Property Finance— Up to 80% LTV, default must be ≥12 months old
Legal & General Home Finance— Up to 60% LTV, default must be ≥36 months old
LendInvest— Up to 90% LTV, default must be ≥6 months old
LiveMore— Up to 80% LTV, default must be ≥36 months old
Moda Mortgages— default must be ≥24 months old
Pepper Money— default must be ≥6 months old
Perenna— Up to 95% LTV, default must be ≥6 months old
Precise Mortgages— Up to 95% LTV, default must be ≥24 months old
Rely Mortgages— default must be ≥24 months old
Tandem Bank— Up to 90% LTV, default must be ≥24 months old
The Mortgage Lender— Up to 95% LTV, default must be ≥6 months old
United Trust Bank— Up to 85% LTV, default must be ≥24 months old
West One Loans— Up to 97.5% LTV, default must be ≥36 months old

Why some lenders say no

Most lenders require the default to be satisfied (paid off) before considering.
The 'clean since' age-months requirement varies from 12 months (specialist) to 72 months (high street).
Utility / telecoms defaults often treated more leniently than financial-services defaults.

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Frequently asked questions

How long after a default can I apply?

Depends on the lender. High-street lenders typically want 36-72 months since satisfaction. Specialists (Kensington, Precise, Vida) can consider defaults as recent as 12 months satisfied.

Does the type of default matter?

Yes. Utility, telecoms, and mobile-phone defaults are often treated separately from secured / unsecured credit defaults. A satisfied £150 mobile default 2 years ago will rarely stop any lender.

What if I have multiple defaults?

Lenders apply per-default age rules but also check total count and value. Most specialist lenders accept up to 2-3 satisfied defaults; high street usually caps at 1.

Will my rate be higher?

Usually 0.3-1% above standard, narrowing as the default ages. Once defaults are 6+ years old (they drop off the credit file), rates are typically standard.