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 2026-05-03. Information only — not advice.

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Adverse credit (CCJ, default, DMP)?

76 of 76 matching lenders for your situation

High Street Lenders

AIB— Up to 95% LTV, max 1 utility/comms default in last 24m
Barclays— Up to 95% LTV, ≤3 satisfied defaults ≤£200 in last 3yr
Clydesdale Bank— Up to 95% LTV, no defaults in 12m, max 2 ≤£500 in 6yr
Halifax— Up to 95% LTV, default ≥6yr ago
HSBC— Refer — case-by-case via UW exception
Metro Bank— Up to 95% LTV, ≤£1,500 defaults in last 36m
Nationwide— Refer — depends on value & date registered
NatWest— Refer — alternative adverse history may be considered
The Co-operative Bank— Up to 95% LTV, defaults totalling ≤£500 in last 6yr
TSB— Up to 95% LTV, ≤£500 default in last 3yr
Virgin Money— Up to 95% LTV, no default in 12m, max 2 satisfied in 6yr

Building Societies

Accord Mortgages— Up to 99% LTV, no defaults in last 6yr
Bath Building Society— Up to 70-80% LTV, defaults satisfied ≥2yr
Beverley Building Society— Up to 95% LTV, default ≥36m old
Buckinghamshire Building Society— Up to 90% LTV, no default in last 2yr
Cambridge Building Society— Up to 95% LTV, default <£500 satisfied >24m
Chorley Building Society— Up to 95% LTV, defaults satisfied >24m
Coventry Building Society— Up to 95% LTV, ≤£500 in last 3yr satisfied
Cumberland Building Society— Up to 95% LTV, no current defaults
Darlington Building Society— Up to 95% LTV, default ≥36m old
Dudley Building Society— Up to 90% LTV, max £5,000 / 2 defaults registered ≥3yr
Earl Shilton Building Society— Up to 95% LTV, ≤£500 (combined) in last 3yr satisfied
Ecology Building Society— Default satisfied ≥36m (utility/comms <£100 considered)
Family Building Society— Up to 80% LTV, 1 satisfied utility/comms default
Furness Building Society— Up to 95% LTV, defaults ≤£500 in last 3yr
Godiva Mortgages— Up to 95% LTV, ≤£500 in last 3yr satisfied
Hanley Economic Building Society— Up to 95% LTV, max 1 default satisfied ≥12m
Hinckley & Rugby Building Society— Up to 95% LTV, default registered ≥3m
Leeds Building Society— Up to 95% LTV, max 1 default in last 3yr satisfied
Leek Building Society— Up to 95% LTV, defaults <£500 settled ≥6m, registered ≥3yr
Loughborough Building Society— Up to 95% LTV, defaults satisfied ≥6m
Mansfield Building Society— Up to 95% LTV, none in last 3yr (>3yr OK)
Market Harborough Building Society— Up to 80% LTV, small unsatisfied debts ≤£250 disregarded
Marsden Building Society— Up to 95% LTV, default ≥3yr old (max £2,500)
Monmouthshire Building Society— Up to 95% LTV, defaults satisfied ≥6m
Newcastle Building Society— Up to 95% LTV, satisfied default in last 3yr OK
Nottingham Building Society— Up to 95% LTV, ≤£500 in last 3yr satisfied
Principality Building Society— Up to 95% LTV, default ≥6yr old
Saffron Building Society— Up to 95% LTV, defaults ≤£500 settled in last 24m
Scottish Building Society— Up to 95% LTV, up to 2 satisfied defaults
Skipton Building Society— Up to 100% LTV, 1 default ≤£500 in last 12m satisfied
Stafford Railway Building Society— Refer — satisfied defaults ≤£500 in last 3yr considered
Suffolk Building Society— Up to 95% LTV, ≤£2,000 in last 3yr (none in 12m)
Teachers Building Society— Up to 95% LTV, no defaults outstanding in last 3yr
The Melton Building Society— Defaults total ≤£1,000 satisfied >3yr (existing homeowners)
Tipton & Coseley Building Society— Up to 95% LTV, defaults ≤£500 registered ≥6m, satisfied at completion
Vernon Building Society— Up to 95% LTV, defaults total ≤£5,000 satisfied

Specialist Lenders

Aldermore— Up to 95% LTV, default ≥36m old (≤£300 ignored)
Atom Bank— Up to 95% LTV, no defaults in last 36m
Bluestone Mortgages— Up to 90% LTV, 1 satisfied default in 36m
BM Solutions— Refer — defaults handled per credit-history question (BTL)
Castle Trust— Default ≥12m old, max £5,000 satisfied across 3 instances
CHL Mortgages— Up to 75% LTV (BTL), 0 in 12m, max 2 in 24m (CHL2)
Fleet Mortgages— Up to 75% LTV, default ≤£250 unsatisfied within 36m
Foundation Home Loans— Refer — accounts must be up to date per product guide
Gatehouse Bank— Up to 80% LTV, max 1 default ≤£300 between 13-36m
Generation Home— Up to 95% LTV, defaults ≤£300 considered
Hodge Bank— Up to 95% LTV, ≤£500 in last 3yr satisfied
Kensington Mortgages— Up to 95% LTV, satisfied default ≥6m
Keystone Property Finance— Up to 80% LTV (BTL), no default in 12m
Legal & General Home Finance— Up to 60% LTV, satisfied >£150 within 36m declined
LendInvest— Up to 90% LTV, default ≥6m old (Progress)
LiveMore— Up to 80% LTV, defaults ≤£500 in last 3yr satisfied
Moda Mortgages— 0 in 12m, max 2 in 24m
Norton Home Loans— Up to 80% LTV, default with payment info
Pepper Money— Default ≥6m old, no value cap, no need to be satisfied
Perenna— Up to 95% LTV, max 1 default in 6yr (none in 6m)
Precise Mortgages— Up to 95% LTV, default ≥24m old
Rely Mortgages— Default ≥24m settled (Light adverse)
Tandem Bank— Up to 90% LTV, defaults considered (no satisfaction required)
The Mortgage Lender— Up to 95% LTV, default ≥6m old (Real Life 2)
The Mortgage Works— Refer — strong applications by exception (BTL)
Together— Refer — defaults assessed per product card
United Trust Bank— Up to 85% LTV, defaults ≥24m old
Vida Homeloans— Refer — adverse tier per product guide
West One Loans— Up to 97.5% LTV, satisfied default ≥36m (Premier)

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.