Mortgage Lenders We Work With
As a whole-of-market broker we can approach the full range of lenders that work with brokers, from the high street to specialist lenders, private banks and commercial lenders. Here is who they are and what each is known for.
- High street banks and building societies
- Specialist and buy to let lenders
- Private banks for larger loans
- Bridging, commercial and later life lending
broad range of UK lenders
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Whole of Market Means the Whole Market
Falcon Finance is a whole-of-market mortgage broker. We can recommend from the full range of lenders that work with mortgage brokers: high street banks, building societies, specialist and buy to let lenders, private banks, second charge and bridging lenders, commercial lenders and later life lenders. We are not tied to a panel, and no lender pays us to be put first.
The lists below show the lenders we approach most often and what each is known for. They are not every lender in the market. A small number of lenders only deal with customers directly, and if one of those suits you better, we will tell you.
The right lender is the one whose criteria fit your income, your property and your plans, not simply the lowest headline rate. That is why the same client can be a straightforward case for one lender and a decline for another. If you want to understand how the different types of lender work, our guide to specialist mortgage lenders explains it in more detail.
High street and building societies
Banks and mutuals for most purchases and remortgages, from first homes to buy to let.
Specialist and buy to let
For self-employed income, past credit problems, landlords, HMOs and unusual properties.
Private banks
For larger loans, high earners and complex wealth, with each case underwritten by a person.
Second charge and bridging
Raising money without remortgaging, and short-term finance while a sale or refurbishment completes.
Commercial and development
Business premises, investment property and finance to build or convert property.
Later life and equity release
Mortgages into and through retirement, and referrals for equity release.
High Street Banks
The large banks handle most UK mortgages. They suit clear, well-evidenced income and standard properties, and they often have the keenest rates for straightforward cases.
| Lender | Known for |
|---|---|
| Barclays | High-income applicants, professionals, contractors, larger residential loans and mainstream buy to let |
| HSBC UK | Premier clients, high earners, large mortgages, professionals and internationally mobile applicants |
| Lloyds Bank | First-time buyers, low-deposit mortgages, mainstream residential and home movers |
| Halifax | First-time buyers, higher loan to income cases, new builds, shared ownership and employed applicants |
| NatWest | Self-employed applicants, contractors, new builds, residential and mainstream buy to let |
| Santander | First-time buyers, low-deposit products, mainstream residential and individual buy to let |
| TSB | First-time buyers, residential remortgages, home movers and employed applicants |
| Nationwide | First-time buyers, Helping Hand affordability, family support and mainstream residential |
| Virgin Money | Residential mortgages, contractors and professionals (new buy to let lending closed in April 2026) |
| Metro Bank | Joint borrower sole proprietor, low-deposit mortgages, complex income and specialist residential |
| Bank of Ireland for Intermediaries | First-time buyers, residential mortgages, family-assisted options and professional borrowers |
| The Co-operative Bank for Intermediaries | Mainstream residential, remortgages and employed applicants; part of the Coventry group |
Building Societies
Building societies are owned by their members, and many of the smaller ones look at each case by hand. That makes them a good fit for later life borrowing, self-build, shared ownership, holiday lets and incomes that do not fit a scoring system. Our pages on later life mortgages and shared ownership mortgages explain those areas in detail.
| Lender | Known for |
|---|---|
| Yorkshire Building Society | First-time buyers, low-deposit mortgages and mainstream residential; broker products mainly through Accord |
| Coventry Building Society | Residential mortgages, offset mortgages, remortgages and flexible lending |
| Skipton Building Society | Track Record mortgages with no deposit, first-time buyers, joint borrower sole proprietor and complex income |
| Leeds Building Society | Shared ownership, first-time buyers, affordable housing and later life lending |
| Principality Building Society | Shared ownership, residential, buy to let and Welsh property |
| West Bromwich Building Society | Later life mortgages, residential, buy to let and manual underwriting |
| Newcastle Building Society | First-time buyers, affordable housing and residential lending |
| Cumberland Building Society | Holiday lets, hospitality, commercial property and residential mortgages |
| Progressive Building Society | Northern Ireland residential mortgages and local property |
| Saffron Building Society | Self-employed, contractors, expats, self-build and specialist residential |
| Cambridge Building Society | Complex income, professional applicants and manual underwriting |
| Furness Building Society | Contractors, self-employed, buy to let and holiday lets |
| Leek Building Society | Residential, complex income and individually assessed cases |
| Monmouthshire Building Society | Self-build, later life borrowers, residential and specialist property |
| Marsden Building Society | Expat residential and buy to let, foreign currency income and later life lending |
| Melton Building Society | Complex residential, self-build, buy to let and holiday lets |
| Market Harborough Building Society | Large loans, high-net-worth clients, complex income, expats and bridging |
| Mansfield Building Society | Self-employed, multiple incomes, complex credit and unusual properties |
| Hinckley & Rugby Building Society | Joint borrower sole proprietor, non-standard construction, self-employed and complex income |
| Loughborough Building Society | Later life lending, self-build, family-assisted mortgages and manual underwriting |
| Tipton & Coseley Building Society | Family-assisted mortgages, later life lending and complex residential |
| Dudley Building Society | Non-standard property, complex income, later life and manual underwriting |
| Darlington Building Society | Self-build, contractors, self-employed and complex residential |
| Chorley Building Society | Manual underwriting, unusual circumstances and regional residential |
| Bath Building Society | Professional borrowers, residential and individually assessed applications |
| Beverley Building Society | Later life lending, self-employed and complex residential |
| Buckinghamshire Building Society | Credit-impaired applicants, family-assisted lending and bespoke residential |
| Ecology Building Society | Self-build, sustainable homes, ecological construction and energy-efficient renovations |
| Family Building Society (National Counties) | Later life mortgages, retirement interest-only, family support, interest-only and expat buy to let |
| Harpenden Building Society | High-net-worth borrowers, professionals, complex income and bespoke mortgages |
| Hanley Economic Building Society | Self-build, residential, specialist property and manual underwriting |
| Newbury Building Society | Shared ownership, key workers, affordable housing and self-build |
| Nottingham Building Society | Complex income, self-employed applicants and specialist residential |
| Penrith Building Society | Local residential, manual underwriting and individual circumstances |
| Scottish Building Society | Scottish residential, self-build and later life lending |
| Stafford Railway Building Society (The Stafford) | Residential, bespoke applications and regional lending |
| Suffolk Building Society | Self-build, expat buy to let, holiday lets and unusual property |
| Swansea Building Society | Residential, buy to let, holiday lets and bespoke lending |
| Teachers Building Society | Teachers and education professionals, first-time buyers and other eligible professionals |
| Vernon Building Society | Later life borrowers, interest-only and complex residential |
| Earl Shilton Building Society | Regional residential lending and manually assessed cases |
Specialist and Buy to Let Lenders
Specialist lenders deal with the cases the high street turns down or prices badly: recent self-employment, adverse credit, HMOs and multi-unit blocks, limited company landlords, foreign nationals and Sharia-compliant home finance. Many are buy to let specialists, which is why our buy to let mortgages advice draws on them heavily.
| Lender | Known for |
|---|---|
| Kensington Mortgages | Self-employed, contractors, complex income, near-prime credit and non-standard circumstances |
| Pepper Money | Adverse credit, defaults, CCJs, complex income, self-employed and debt consolidation |
| Precise Mortgages | Specialist residential, adverse credit, self-employed and bridging |
| Rely Mortgages | Specialist buy to let, limited companies, HMOs, portfolio landlords and complex landlord cases |
| InterBay | Commercial, semi-commercial, complex buy to let, portfolio lending and bridging |
| Bluestone Mortgages | Adverse credit, past financial difficulties, specialist residential and unusual income |
| Together | Adverse credit, unusual properties, complex borrowing, buy to let, commercial and bridging |
| Vida Homeloans | Adverse credit, complex income, self-employed, buy to let and specialist residential |
| Foundation | Specialist residential, near-prime, limited company buy to let, HMOs and portfolio landlords |
| Fleet Mortgages | Limited company buy to let, portfolio landlords, HMOs and multi-unit properties |
| Paragon Bank | Professional landlords, large buy to let portfolios, HMOs, multi-unit blocks and specialist property investment |
| The Mortgage Works | Buy to let, limited companies, first-time landlords, portfolio landlords and HMOs |
| BM Solutions | Mainstream buy to let, individual landlords and remortgages |
| Accord Mortgages | Residential mortgages, self-employed, contractors, professionals and higher loan to income cases |
| Aldermore | Self-employed, adverse credit, complex income, buy to let and specialist mortgages |
| Shawbrook | Specialist buy to let, commercial, complex property investment, bridging and development finance |
| The Mortgage Lender | Complex residential income, self-employed, entrepreneurs and professional buy to let |
| Molo Finance | Online buy to let, limited company landlords, portfolios, HMOs and multi-unit blocks |
| LendInvest | Buy to let, limited companies, bridging, refurbishment and property development |
| Landbay | Limited company buy to let, portfolio landlords, HMOs and multi-unit freehold blocks |
| Keystone Property Finance | Limited company buy to let, expats, holiday lets, HMOs, semi-commercial and refurbish to let |
| Zephyr Homeloans | Specialist buy to let, limited companies, HMOs and portfolio landlords |
| CHL Mortgages | Limited company buy to let, complex landlords, HMOs and multi-unit freehold blocks |
| Quantum Mortgages | Specialist buy to let, unusual flats, HMOs, multi-unit blocks, semi-commercial and experienced landlords |
| Hampshire Trust Bank | Specialist buy to let, HMOs, multi-unit blocks, semi-commercial, bridging and development |
| Castle Trust Bank | Specialist buy to let, portfolio landlords, refurbishment finance and bridging |
| Godiva Mortgages | Buy to let mortgages and landlord finance, part of the Coventry group |
| GB Bank | Foreign nationals, overseas landlords, expat buy to let, complex ownership and large portfolios |
| Cynergy Bank | Property investors, commercial borrowers, larger buy to let and complex property lending |
| Gen H | Joint borrower sole proprietor, income boosters, first-time buyers, family support and complex affordability |
| April Mortgages | Longer-term fixed rate residential mortgages for borrowers who want payment certainty |
| Perenna Bank | Long-term fixed rates, later life borrowers, interest-only and flexible early repayment |
| Atom Bank | Online residential lending for professionals and mainstream borrowers |
| Hodge Bank | Later life mortgages, retirement interest-only, interest-only and holiday lets |
| Norton Home Loans | First charge specialist residential, impaired credit and borrowers outside mainstream criteria |
| Gatehouse Bank | Sharia-compliant home finance, buy to let, expats and foreign nationals |
| AlRayan Bank UK | Sharia-compliant home purchase plans, refinancing and property investment |
For more detail on how specialist lenders treat credit history, see bad credit mortgage lenders and their criteria, and for landlords buying through a company, limited company buy to let lenders.
Private Banks
Private banks lend to high earners and wealthy clients, usually for larger loans, and each case is underwritten by a person rather than a scoring system. Some expect you to move savings or investments to them; others will lend on the mortgage alone. Our private bank mortgages and large mortgage loans pages explain how they decide.
| Lender | Known for |
|---|---|
| Coutts | High-net-worth clients, large mortgages, complex income, investments and interest-only |
| Investec | High earners, professionals, company directors, entrepreneurs and large mortgages |
| Arbuthnot Latham | High-net-worth borrowers, business owners, complex wealth and bespoke property lending |
| C. Hoare & Co | Private clients, bespoke mortgages, substantial assets and complex borrowing |
| Butterfield | High-value residential mortgages, internationally mobile clients and complex income |
| Hampden & Co | Entrepreneurs, directors, complex wealth, investment income and bespoke mortgages |
| Handelsbanken | Business owners, professionals, property investors and relationship-led lending |
| Weatherbys Private Bank | High-net-worth clients, large mortgages, complex assets and bespoke lending |
| Barclays Private Bank | High-net-worth borrowers, internationally mobile clients and large property finance |
| HSBC Private Bank | Wealthy international clients, complex income and large residential mortgages |
| UBS | Property finance for very wealthy clients, as part of a private banking relationship |
Second Charge Lenders
A second charge mortgage lets you borrow against your home without replacing your existing mortgage, which can make sense if your current deal has a large early repayment charge. Read more on second charge mortgages.
| Lender | Known for |
|---|---|
| Equifinance | Adverse credit, debt consolidation, past defaults and borrowers rebuilding credit |
| Central Trust | Adverse credit, debt consolidation, complex income and secured homeowner lending |
| Step One Finance | Second charges, raising capital and customers with varied credit profiles |
| Together | Complex credit, self-employed, debt consolidation and unusual properties |
| Pepper Money | Specialist second charges, adverse credit, complex income and raising capital |
| Tandem Bank | Secured homeowner loans, home improvements and debt consolidation |
| United Trust Bank | Second charge loans, self-employed, debt consolidation and large capital raises |
| West One Loans | Specialist second charges, complex income, adverse credit and large secured loans |
| Admiral Money | Homeowner loans, home improvements and debt consolidation |
| Interbridge Mortgages | Second charge mortgages, raising capital and individually assessed cases |
| Evolution Money | Credit-impaired borrowers, debt consolidation and specialist homeowner loans |
| Selina Finance | Second charge mortgages, home equity lines of credit and flexible capital raising |
| Scroll Finance | Residential and buy to let second charges, flexible fixed periods, without replacing the first mortgage |
| Norton Home Loans | Second charges, adverse credit, debt consolidation and specialist lending |
Bridging Lenders
Bridging loans are short-term finance, used to buy before you sell, to buy at auction or to refurbish a property before a mortgage is possible. Our bridging finance page covers how they work and what they cost. For private funding outside the banks, see private mortgage lenders.
| Lender | Known for |
|---|---|
| MT Finance | Regulated and unregulated bridging, auction purchases and short-term property finance |
| Hope Capital | Unregulated bridging, refurbishment, commercial and complex property transactions |
| Octane Capital | Bespoke bridging, refurbishment, developer exits, commercial and development finance |
| LendInvest | Bridging, refurbishment, buy to let exits and development finance |
| Roma Finance | Auction finance, refurbishment, conversions, bridging and property investor finance |
| Together | Regulated and unregulated bridging, unusual security, adverse credit and commercial property |
| United Trust Bank | Bridging, developer exit, commercial property and development finance |
| Shawbrook | Unregulated bridging, refurbishment, commercial investment and development finance |
| Precise Mortgages | Regulated and unregulated bridging, refurbishment and complex residential security |
| West One Loans | Regulated and unregulated bridging, refurbishment, commercial property and developer exits |
| Allica Bank | Commercial investment, small business property finance and unregulated bridging |
| Alternative Bridging Corporation | Short-term bridging, complex property security, refurbishment and property investors |
| Masthaven Finance | Regulated and unregulated bridging, renovation finance and specialist short-term lending |
| Glenhawk | Regulated and unregulated bridging on residential and commercial security |
| Aspen Bridging | Unregulated bridging, refurbishment and quick property purchases |
| Funding 365 | Fast bridging, auction finance, refurbishment and bespoke short-term loans |
| Hampshire Trust Bank | Bridging, refurbishment, investment property and development |
| Castle Trust Bank | Bridging, refurbishment, property investor finance and short-term capital raising |
| Black & White Bridging | Residential, commercial, semi-commercial and refurbishment bridging |
| Catalyst Property Finance | Bridging, refurbishment, development exits and complex property finance |
| KSEYE | Bespoke bridging, high-value loans and experienced property investors |
| Commercial Acceptances | Specialist bridging, commercial property and fast short-term transactions |
| MS Lending Group | Bridging, property-backed capital raising and complex short-term finance |
| Mint Property Finance | Bridging, refurbishment, auction finance and development |
| MSP Capital | Bridging, development finance, refurbishment and developer exits |
| Fiduciam | Bridging, commercial property, entrepreneurs and international property investors |
| Octopus Capital | Property bridging, development finance and large residential development |
| Avamore Capital | Heavy refurbishment, development and property investor finance |
| Recognise Bank | Small business property finance, investment property and specialist commercial lending |
| StreamBank | Property-backed bridging, complex short-term loans and investor finance |
| Mercantile Trust | Specialist secured loans, bridging and buy to let finance |
Commercial and Development Lenders
Commercial mortgages are for business premises and investment property such as shops, offices and mixed-use buildings. Development finance funds building new homes or converting existing buildings, and is released in stages as the work progresses. These lenders also handle many of the larger and more complex bridging cases.
Most commercial mortgages and development finance are not regulated by the Financial Conduct Authority.
| Lender | Known for |
|---|---|
| OakNorth Bank | Established businesses, commercial mortgages, property investors and complex large loans |
| Cambridge & Counties Bank | Commercial mortgages, investment property, owner-occupied business premises and small businesses |
| Secure Trust Bank | Development finance, commercial investment property and structured property loans |
| Assetz Capital | Property development, housebuilders, refurbishment and bridging |
| Maslow Capital | Large residential development finance, build to rent and developer funding |
| Atelier Finance | Property development, land purchases and large development projects |
| CrowdProperty | Residential development, refurbishment and finance for smaller developers |
| Cohort Capital | High-value bridging, development finance and complex property-backed loans |
| CapitalRise | Prime residential development, luxury property projects and refurbishment |
| BLME | Sharia-compliant commercial real estate and property investment finance |
Later Life and Equity Release
For borrowers in or near retirement, we arrange retirement interest-only mortgages and other later life mortgages. Lifetime mortgages, the most common form of equity release, need advice from a qualified equity release adviser, so where one could suit you, we refer you to one.
A lifetime mortgage is a loan secured against your home. Interest usually rolls up, so the amount you owe grows over time. It will reduce the value of your estate and may affect your entitlement to means-tested benefits. The Equity Release Council, the industry body, sets standards its members follow, including a no negative equity guarantee.
| Lender | Known for |
|---|---|
| LiveMore Mortgages | Older borrowers, retirement interest-only, retirement mortgages and later life affordability |
| Aviva Equity Release | Lifetime mortgages and equity release for eligible older homeowners |
| Legal & General Home Finance | Lifetime mortgages, later life borrowing and equity release |
| Just | Lifetime mortgages and later life property wealth |
| Pure Retirement | Lifetime mortgages and specialist later life equity release |
| more2life | Lifetime mortgages, drawdown and specialist equity release |
| Canada Life Home Finance | Lifetime mortgages, retirement property wealth and drawdown |
Lender details checked October 2026 against each lender’s own broker information and the mortgage trade press. What each lender is known for is a guide to where it is strongest, not a promise that it will lend to you. Products and criteria change often, so we check the current position for your case before you apply.
Find the Lender That Fits Your Case
Tell us about your income, deposit and property, and we will match you to the lenders whose criteria fit before you apply.
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Questions About Our Lenders
Do you have access to all mortgage lenders?
We are whole of market, so we can recommend from the full range of lenders that work with mortgage brokers, including high street banks, building societies, specialist lenders and private banks. A small number of lenders only deal with customers directly, and if one of those would suit you better, we will tell you.
Can you arrange a mortgage with a private bank?
Yes. Private banks such as Coutts, Investec, Arbuthnot Latham, C. Hoare & Co and Butterfield accept introductions from brokers. They usually lend larger amounts to high earners or wealthy clients, and each case is assessed by a person. We will tell you early on whether a private bank is realistic for you or whether a high street or specialist lender would serve you better.
Why use a broker instead of going to my own bank?
Your bank can only offer its own mortgages. A whole-of-market broker compares lenders across the market and matches your income, deposit and property to the lender whose criteria fit, which matters most when your income or property is not straightforward. Many lenders also offer products that are only available through brokers.
Do you arrange equity release?
We arrange retirement interest-only and other later life mortgages ourselves. Lifetime mortgages, the most common form of equity release, need advice from a qualified equity release adviser, so where one could suit you, we refer you to one.
Do lenders pay you?
When a mortgage completes, the lender usually pays us a fee. That payment does not change which lender we recommend, and any fee you pay us is agreed in writing before you go ahead. Our mortgage advice fees page sets out how we are paid.
Will you explain why you chose a particular lender?
Yes. Before you apply, we set out in writing why we are recommending that lender and product for you, including the costs and any features that matter for your plans, such as early repayment charges or the ability to move the mortgage.
Is this a complete list of lenders?
No. It shows the lenders we approach most often and what each is known for, checked in October 2026. Lenders launch, merge, change their criteria and occasionally stop lending, so we always check the current position for your case rather than relying on a list.
Written and reviewed by Osman Emin, CeMAP, mortgage and protection adviser · FCA register OCE01003 · Updated YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.