Top 10 Best Adverse Credit Lenders in the UK (2026)
Ranked shortlist of lenders in our directory — same data and rules as our Adverse Credit guide. Not a personal recommendation; see how we rank below.
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.
Shortlist
Lenders in our directory with adverse credit focus, ordered as above.
10 lenders
Mansfield Building Society
Tipton & Coseley Building Society
Alternative Bridging Corporation
Bluestone Mortgages
Kensington Mortgages
Masthaven
Pepper Money
Precise Mortgages
Tandem Mortgages
The Mortgage Lender
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
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Been declined for a mortgage? Don t panic. This guide explains the most common reasons for rejection and the practical steps you can take to get approved, including specialist broker options.
Adverse Credit Mortgages: Your Complete Guide to Getting Approved
Having adverse credit doesn t mean you can t get a mortgage. Learn how to secure approval with our complete guide.
Adverse Credit Mortgages: Your Complete Guide to Getting Approved
Having adverse credit doesn t mean you can t get a mortgage. Learn how to secure approval with our complete guide.
Important Information
Mortgage118 is not a lender or broker. This page reflects directory information only and is not financial advice. Confirm FCA status and suitability with an adviser before you act.