Which UK Lenders Count Maintenance or Child-Support Income?
Around 62 UK lenders will count maintenance / child-support payments in affordability if they're documented and have been received consistently for 3-6 months. Court-ordered payments are counted at 100% more often than private arrangements.
Data refreshed 2026-07-15. Information only — not advice.
Your situation
High Street Lenders
- AIB— Up to 95% LTV
- Bank of Ireland— Up to 95% LTV
- Barclays— Up to 95% LTV
- Clydesdale Bank— Up to 95% LTV
- Halifax— Up to 95% LTV
- HSBC— Up to 95% LTV
- Metro Bank— Up to 95% LTV
- Nationwide— Up to 95% LTV
- NatWest— Up to 95% LTV
- Santander— Up to 95% LTV
- The Co-operative Bank— Up to 95% LTV
- TSB— Up to 95% LTV
- Virgin Money— Up to 95% LTV
Building Societies
- Accord Mortgages— Up to 99% LTV
- Bath Building Society— Up to 95% LTV
- Cambridge Building Society— Up to 95% LTV
- Chorley Building Society— Up to 95% LTV
- Coventry Building Society— Up to 95% LTV
- Cumberland Building Society— Up to 95% LTV
- Darlington Building Society— Up to 95% LTV (80% for London/M25 remortgage)
- Earl Shilton Building Society— Up to 95% LTV
- 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
- Furness Building Society— Up to 95% LTV
- Hanley Economic Building Society— Up to 95% LTV
- Hinckley & Rugby Building Society— Up to 95% LTV
- Leeds Building Society— Up to 95% LTV
- Leek Building Society— Up to 95% LTV
- Loughborough Building Society— Up to 95% LTV
- Market Harborough Building Society— Up to 80% LTV
- Marsden Building Society— Up to 95% LTV
- Monmouthshire Building Society— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: Up to 95% LTV
- Newcastle Building Society— Up to 95% LTV
- Nottingham Building Society— Up to 95% LTV
- Penrith Building Society— Up to 90% LTV
- Saffron Building Society— Up to 95% LTV
- Skipton Building Society— Up to 100% LTV
- Stafford Railway Building Society— Up to 95% LTV
- Suffolk Building Society— Up to 95% LTV
- Teachers Building Society— Up to 95% LTV
- The Melton Building Society— Up to 95% LTV (interest-only 60%, London 60%)
- Tipton & Coseley Building Society— Up to 95% LTV
- Vernon Building Society— Up to 95% LTV
- West Bromwich Building Society— Up to 95% LTV
Specialist Lenders
- Aldermore— Up to 95% LTV
- 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
- Gatehouse Bank— Up to 80% LTV
- Kensington Mortgages— Up to 95% LTV
- LendInvest— Up to 90% LTV
- Norton Home Loans— Up to 80% LTV
- Pepper Money— Up to 85% LTV (75% above £750k)
- Perenna— Up to 95% LTV
- Precise Mortgages— Up to 95% LTV
- The Mortgage Lender— Up to 95% LTV
- Together— Up to 75% LTV
- United Trust Bank— Up to 85% LTV
- Vida Homeloans— Up to 97% LTV
- West One Loans— Up to 97.5% LTV
Why some lenders say no
- Most lenders require 3-6 months of evidenced maintenance payments landing in your account.
- Court orders / CMS assessments are counted at a higher percentage than private agreements.
- Maintenance must be stable — a handful of lenders only count it until the youngest child reaches 18.
Related reading: Mortgage after separation — full guide · Which lenders accept benefits
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Run My Affordability CheckFrequently asked questions
Does it have to be court-ordered?
Not always. Many lenders accept CMS-assessed maintenance with evidence of 3-6 months of payments. Private informal arrangements are harder — the lender wants proof of sustainability.
Will the lender count 100% of the maintenance?
Typically 100% if court-ordered, 50-100% if CMS-assessed, 0-50% for private. Barclays, Halifax, HSBC, Nationwide are generally more generous; smaller lenders often discount or exclude.
What if my ex stops paying?
This is the lender's main concern. The stronger the documentation (court order + CMS + 6+ months evidence), the more the lender trusts it. A 12-month track record with no missed payments is the gold standard.
Does it matter that the maintenance ends when children turn 18?
Yes for some lenders. A few will only count maintenance if it extends for the full mortgage term. Most will count it until the youngest child's 18th birthday and use the remaining income post-that to stress-test affordability.
