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 2026-07-15. Information only — not advice.

Your situation

Deposit (% of property value)

Adverse credit (CCJ, default, DMP)?

66 of 66 matching lenders for your situation

High Street Lenders

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— 3 months since registration; a rolling 36-month window applies to the £1,500 value cap
Nationwide— Up to 95% LTV
The Co-operative Bank— 36 months (Access product)
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 95% LTV (its 99% £5k Deposit product is first-time-buyer only and excludes new builds), 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
Darlington Building Society— Up to 95% LTV (80% for London/M25 remortgage), satisfied 3+ years
Dudley Building Society— 12 months above 80% LTV; 6 months at or below 80% LTV
Earl Shilton Building Society— Up to 95% LTV, default must be ≥36 months old
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), satisfied over 3 years ago
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
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 80% LTV for adverse, default registered 36+ months ago and satisfied 12+ months, £2,500 cap
Monmouthshire Building Society— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: 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
Progressive Building Society— Up to 95% LTV, default must be ≥24 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 95% LTV (its 100% Track Record product is clean-credit only), 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— Up to 95% LTV (interest-only 60%, London 60%), satisfied over 3 years ago
Tipton & Coseley Building Society— standard criteria: defaults up to £500 registered over 6 months ago, satisfied on completion; their separate Credit Plus tier goes to defaults 3+ months old up to £2,000
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
Central Trust— Remortgage and capital-raising only — does not currently lend on property purchases
CHL Mortgages— Up to 75% LTV
Fleet Mortgages— Up to 75% LTV, default must be ≥36 months old
Gatehouse Bank— 12 months
Generation Home— Up to 95% LTV, default must be ≥36 months old
Hodge Bank— Up to 95% LTV, default must be ≥36 months old
InterBay— Up to 85% LTV, default must be ≥36 months old
Kensington Mortgages— tiered by product: Select needs 36 months (72 months above 90% LTV), Core 24 months; the Resi 6/12 products go further and don't require the default to be satisfied at all
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— tiered by product: 36 months on Premier (to 90% LTV), through 24 and 12, down to 6 months on Support (75% LTV)
LiveMore— LiveMore announced in June 2026 that it had cut its assessment window from 3 years to 18 months, but its published criteria guide still shows 3 years — confirm the current position with the lender
Pepper Money— Up to 85% LTV (75% above £750k), no default registered in the last 6 months
Perenna— Up to 95% LTV, default must be ≥6 months old
Precise Mortgages— no minimum age since satisfaction — assessed on a 3-month recency floor and how many were registered in the last 24 months (Tier 1/2 want none in 24 months)
Rely Mortgages— tiered: 72 months for the No Adverse tier, 24 months, or 12 months on Light Adverse
Tandem Bank— Up to 90% LTV, default must be ≥24 months old
The Mortgage Lender— 36 months on the mainstream RL0/RL1 tiers; from 6 months on RL2/RL3 with count and value caps (higher-priced products)
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
Zephyr Homeloans— Up to 80% LTV

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.