Which UK Lenders Lend on High-Rise Flats?
64 UK lenders will consider flats in high-rise blocks, though "high-rise" means different things to different lenders — the cut-off ranges from anything above 4 storeys to 10 or more. Ex-council blocks and buildings needing an EWS1 form face extra checks on top.
As of 2026-09-13, published criteria from 64 of the 76 UK lenders whose published criteria we track can accommodate this scenario — 12 high-street, 31 building societies and 21 specialist — with minimum deposits from 2%.
Data refreshed 2026-09-13. 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, case-by-case
- Co Operative Bank— Up to 95% LTV, up to 10 storeys
- Halifax— Up to 95% LTV, case-by-case
- HSBC— Up to 95% LTV, case-by-case
- Metro Bank— Up to 95% LTV
- Nationwide— Up to 95% LTV
- Natwest— Up to 95% LTV
- Santander— Up to 95% LTV
- TSB— Up to 95% LTV
- Virgin Money— Up to 95% LTV
Building Societies
- Accord— Up to 95% LTV (its 99% £5k Deposit product is first-time-buyer only and excludes new builds), case-by-case
- Bath BS— Up to 95% LTV
- Beverley BS— Up to 95% LTV, case-by-case
- Buckinghamshire BS— Up to 95% LTV, case-by-case
- Cambridge BS— Up to 95% LTV
- Chorley BS— Up to 95% LTV
- Coventry BS— Up to 95% LTV, up to 10 storeys
- Darlington BS— Up to 95% LTV (80% for London/M25 remortgage)
- Dudley BS— Up to 90% LTV
- Earl Shilton BS— Up to 95% LTV
- Family BS— Up to 80% LTV
- Furness BS— Up to 95% LTV, up to 10 storeys
- Hanley BS— Up to 95% LTV
- Harpenden BS— Up to 85% LTV, case-by-case
- Hinckley Rugby BS— Up to 95% LTV, up to 15 storeys
- Leeds BS— Up to 95% LTV
- Mansfield BS— Up to 95% LTV
- Market Harborough BS— Up to 80% LTV
- Marsden BS— Up to 80% LTV
- Melton BS— Up to 95% LTV (interest-only 60%, London 60%)
- Monmouthshire BS— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: Up to 95% LTV
- Nottingham BS— Up to 95% LTV
- Penrith BS— Up to 95% LTV, up to 10 storeys
- Principality— Up to 95% LTV
- Saffron BS— Up to 95% LTV
- Skipton— Up to 95% LTV (its 100% Track Record product is clean-credit only)
- Stafford BS— Up to 95% LTV
- Suffolk BS— Up to 95% LTV, up to 10 storeys
- Tipton Coseley BS— Up to 95% LTV
- Vernon BS— Up to 95% LTV, up to 10 storeys
- West Brom— Up to 95% LTV, up to 5 storeys
Specialist Lenders
- Aldermore— Up to 98% LTV
- Atom Bank— Up to 95% LTV
- Bluestone— Up to 90% LTV, case-by-case
- Central Trust— Remortgage and capital-raising only — does not currently lend on property purchases
- Foundation— Up to 90% LTV
- Gatehouse— Up to 95% LTV
- Generation Home— Up to 95% LTV
- Hodge— Up to 95% LTV
- Kensington— Up to 95% LTV
- Lendinvest— Up to 90% LTV
- LG Home Finance— Up to 60% LTV, case-by-case
- Norton— Up to 85% LTV
- Pepper— Up to 90% LTV
- Perenna— Up to 95% LTV
- Precise— Up to 95% LTV, up to 20 storeys
- Tandem— Up to 90% LTV, case-by-case
- The Mortgage Lender— Up to 95% LTV
- Together— Up to 75% LTV, case-by-case
- UTB— Up to 95% LTV
- Vida— Up to 97% LTV
- West One— Up to 97.5% LTV, case-by-case
A lender name is only half the answer — the amount each might lend varies by tens of thousands — our figures are conservative estimates, not offers.
See your figuresWhy some lenders say no
- Storey limits vary widely: some lenders draw the line above 4 or 5 storeys without a lift, others are comfortable to 10+, and a few have no stated limit and rely entirely on the valuer.
- Ex-council high-rise is the toughest combination — several lenders that accept private high-rise blocks decline ex-local-authority ones, or require a minimum share of private ownership in the block.
- Buildings over 11m (and especially over 18m) may need cladding evidence such as an EWS1 form before the valuer will assign a value at all.
- Deck-access blocks (external walkways) are excluded by a number of lenders regardless of height.
Related reading: Property types lenders accept · Down valuations explained
See an estimate of what each of these lenders might lend you
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Run My Affordability CheckFrequently asked questions
How many storeys counts as high-rise?
There's no single definition. Planning rules often use 18m (roughly 6 storeys), but lenders set their own limits: some tighten criteria above 4 or 5 storeys, many above 7, and a few only care what the valuer says. Always check the specific block height against the specific lender's policy.
Can I get a mortgage on an ex-council flat above 5 storeys?
Yes, but the lender pool shrinks. You need a lender that accepts both ex-local-authority flats and blocks of that height — some also want a lift, and some require a minimum percentage of flats in the block to be privately owned. A number of building societies assess these case-by-case on the valuer's comments.
Do I need an EWS1 form?
Only if the building's height and cladding trigger one — generally buildings over 18m, and some 11-18m buildings with certain cladding types. If an EWS1 exists, a rating of A1, A2 or B1 is usually fine; B2 makes most mainstream lenders decline until remediation is evidenced.
Does the block need a lift?
For taller blocks, usually yes — a common rule is that flats above the 4th or 5th floor need lift access to be acceptable security. Walk-up blocks above that height are declined by many lenders even when the flat itself is on a lower floor.
Which lenders accept high-rise flats 10 storeys or more?
It depends on each lender's storey limit, and those vary widely: some draw the line above 4 or 5 storeys without a lift, others are comfortable to 10+, and a few have no stated limit and rely entirely on the valuer. Above 18m (roughly 6 storeys) cladding evidence such as an EWS1 form may be needed before a value is assigned, so check the block's height against the specific lender's policy in the list above.
