Top 10 Best Adverse Credit Lenders in the UK (2026)
Ranked shortlist of lenders in our directory with adverse credit focus.
Shortlist
Lenders in our directory with adverse credit focus, ordered as below.
| # | Lender | Verified | Rating |
|---|---|---|---|
| 1 | Mansfield Building Society | 4.4 (5) | |
| 2 | Tipton & Coseley Building Society | 3.8 (23) | |
| 3 | Alternative Bridging Corporation | 4.7 (69) | |
| 4 | Bluestone Mortgages | 4.5 (2) | |
| 5 | Kensington Mortgages | 1.9 (136) | |
| 6 | Masthaven | 4.2 (25) | |
| 7 | Pepper Money | - | |
| 8 | Precise Mortgages | 3.9 (210) | |
| 9 | Tandem Mortgages | 2.5 (111) | |
| 10 | The Mortgage Lender | - |
How this list is built
We use transparent directory signals only — no paid placement. Lenders must show active adverse credit focus in our lender directory data. Order is based on active status, lender type grouping, then alphabetical tie-break. This is directory ordering, not a personal recommendation or financial advice.
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
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Demand for near prime mortgages is rising, impacting borrowers with adverse credit seeking options in a shifting market.
Adverse Credit Mortgages: Your Complete Guide to Getting Approved
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify details directly and seek independent advice before making financial decisions.