Which UK Lenders Lend on Cladding-Affected Properties (EWS1)?
Most UK lenders now require an EWS1 form for flats in buildings above 11 metres. The rating (A1, A2, A3, B1, B2) dictates whether the lender will proceed and at what LTV.
Data refreshed 2026-04-22. Information only — not advice.
Your situation
High Street Lenders
- Bank of Ireland— Up to 95% LTV, case-by-case
- Barclays— Up to 95% LTV
- Clydesdale Bank— Up to 95% LTV, case-by-case
- Halifax— Up to 95% LTV, case-by-case
- HSBC— Up to 95% LTV, case-by-case
- Metro Bank— Up to 95% LTV, case-by-case
- Nationwide— Up to 95% LTV, case-by-case
- NatWest— Up to 95% LTV, case-by-case
- Santander— Up to 95% LTV, case-by-case
- TSB— Up to 95% LTV
- Virgin Money— Up to 95% LTV, case-by-case
Building Societies
- Bath Building Society— Up to 95% LTV, case-by-case
- Beverley Building Society— Up to 95% LTV, case-by-case
- Buckinghamshire Building Society— Up to 90% LTV
- Cambridge Building Society— Up to 95% LTV, case-by-case
- Chorley Building Society— Up to 95% LTV
- Coventry Building Society— Up to 95% LTV, case-by-case
- Darlington Building Society— Up to 95% LTV
- Dudley Building Society— Up to 90% LTV, case-by-case
- Earl Shilton Building Society— Up to 95% LTV
- Family Building Society— Up to 80% LTV, case-by-case
- Godiva Mortgages— Up to 95% LTV
- Hanley Economic Building Society— Up to 95% LTV
- Hinckley & Rugby Building Society— Up to 95% LTV
- Leek Building Society— Up to 95% LTV, case-by-case
- Monmouthshire Building Society— Up to 95% LTV, case-by-case
- Nottingham Building Society— Up to 95% LTV
- Principality Building Society— Up to 95% LTV, case-by-case
- Saffron Building Society— Up to 95% LTV
- Skipton Building Society— Up to 100% LTV
- Suffolk Building Society— Up to 95% LTV
- Tipton & Coseley Building Society— Up to 95% LTV
- Vernon Building Society— Up to 95% LTV, case-by-case
- West Bromwich Building Society— Up to 95% LTV
Specialist Lenders
- Aldermore— Up to 95% LTV
- BM Solutions— Up to 80% LTV
- Castle Trust— case-by-case
- Foundation Home Loans— Up to 90% LTV
- Hodge Bank— Up to 95% LTV, case-by-case
- InterBay— Up to 85% LTV, case-by-case
- Kensington Mortgages— Up to 95% LTV, case-by-case
- Keystone Property Finance— Up to 80% LTV
- Perenna— Up to 95% LTV
- Skipton International— Up to 75% LTV, case-by-case
- The Mortgage Lender— Up to 95% LTV, case-by-case
- The Mortgage Works— Up to 80% LTV, case-by-case
- Together— See lender criteria
Why some lenders say no
- Most lenders require a valid EWS1 form for buildings above 11 metres.
- B2 ratings (remediation required) restrict to a small pool — Nationwide, Barclays, some BS.
- Properties without any EWS1 assessment are usually declined pending report.
Related reading: Why some properties are 'unmortgageable' · Property types accepted
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Run My Affordability CheckFrequently asked questions
What is an EWS1 form?
External Wall System 1 — a fire-safety assessment introduced after Grenfell. A professional surveyor rates the external wall system from A1 (safe) through A3 / B1 to B2 (remediation required).
Do I need EWS1 for low-rise flats?
Usually no for buildings under 18 metres (some lenders use 11m). The RICS guidance changed in 2022 to require EWS1 less often for low-rise, but some lenders still ask.
What's the difference between A1, A2, B1, B2?
A1 = no combustible materials (no remediation). A2 = limited combustible, no action. A3 = review needed, often fine. B1 = combustible but fire risk low, generally acceptable. B2 = remediation required.
Can I get a mortgage on a B2-rated building?
Yes, but lender pool is narrow: Nationwide, Barclays, and some building societies will consider with a remediation plan. Expect lower LTV (often 85% capped) and longer process.
