Non-high street mortgage lenders are lenders who will typically lend to customers with unique circumstances which high street mortgage lenders may not lend to.

Not all the lenders below who are non-high street mortgage lenders may accept you because they are non-high street mortgage lenders.

They will each have their criteria for acceptance but they have been known to look at people in unique positions although this could change at any time without warning and hence the importance of a mortgage broker who is in tune with the market to guide you when you are looking for a mortgage for unique borrowers.

This could be:

  • Self-employed mortgage
  • Bad credit mortgage borrowers (example people with CCJs)
  • Expat mortgage borrowers
  • Help to buy mortgage borrowers
  • Shared ownership mortgage borrowers etc
  • Low deposit mortgages
  • 100% mortgages

Below is a list of non-high street mortgage lenders:

  • Aldermore mortgages
  • Kensington Mortgages
  • Accord Mortgages
  • Bank of China (UK) Mortgages
  • Buckinghamshire mortgages
  • Cambridge BS mortgages
  • Darlington BS mortgages
  • Atom bank Mortgages
  • Foundation home loans
  • Ipswich BS mortgages
  • Kent reliance mortgages
  • Marden BS mortgages
  • Precise Mortgages
  • Royal Bank of Scotland mortgages
  • Metro bank Mortgages
  • Pepper money Mortgages
  • Masthaven bank Mortgages
  • MBS lending LTD Mortgages
  • Santander* Mortgages
  • Skipton BS Mortgages
  • The Mortgage Lender Mortgages
  • Together Mortgages
  • Vernon BS Mortgages
  • Vida Homeloans
  • Virgin Money Mortgages
  • Yorkshire BS Mortgages

Source: Moneyfacts, March 2019. The information above may not be consistent across the whole of a lender’s range of products. *Lender does not offer specific products for people with bad credit history but they review individuals on a case-by-case basis.

John Bate

John has 22 years of experience in financial services. This spans across financial research, financial services (As a qualified mortgage broker and underwriter), financial trading and sales at global investment banks. While working as a publishing research analyst, he covered European bank credit and advised institutional clients on investment strategies at both JP Morgan and Societe Generale. John has passed all three levels of the CFA (Chartered Financial Analyst) programme.