Mortgage Lenders We Work With – Find the Right Match for Your Situation

At Mortgage Knight, we don’t just find you “a” mortgage — we help you find the right lender for your specific situation.

That might be a big high street bank. It might be a flexible specialist lender. Or even a provider that works with contractors, landlords, or self-employed clients.

We work with over 100 UK lenders — and we know how each of them thinks.

This page is your guide to understanding lender criteria, specialisms, and who’s most likely to say yes based on your needs.

Lenders We Work With

Explore each lender below to learn what they’re best at, how flexible they are, and whether they suit your profile.

We cover:

  • Max loan-to-value (LTV)
  • Self-employed and contractor policy
  • New build and BTL stance
  • Bad credit and affordability flexibility
  • Visa and residency criteria

Case Study 1

Halifax Approves INR-Paid Contractor
Shweta, a software contractor paid in Indian Rupees on a Tier 2 visa, was turned away by multiple brokers who didn’t understand how to present her income. We assessed her day rate, used the correct gross contract model, and placed her with Halifax — a lender experienced with foreign currency and visa clients. Her mortgage was approved in under a week with a competitive rate.

Case Study 2

Bluestone Lends After High Street Decline
James had a stable job but was declined by his high street bank due to a missed payment and an old CCJ. Rather than accept defeat, he came to us. We worked with Bluestone, a lender that specialises in adverse credit, and packaged the case properly. James was approved for the mortgage he needed with flexible terms and no early repayment charges.

Case Study 3

HSBC Backs USD-Income Professional
Sophia lived in the UK but was paid in US dollars by a global marketing agency. Her local bank wouldn’t accept her income, even with UK bank statements. We placed her with HSBC, who are one of the few lenders that accept foreign currency income when structured correctly. The mortgage offer was issued quickly, and Sophia bought her first home in London without a hitch.

Why Lender Choice Matters

Different lenders have different strengths:

  • Some are great for first-time buyers with small deposits
  • Others love contractors and self-employed applicants
  • Some work fast, others are more flexible on credit
  • A few accept foreign nationals and visa holders up to 95% LTV

We help you choose based on your goals, income, and circumstances — not just the rate.

Need Help Choosing a Lender?

Don’t worry about trawling through eligibility pages or guesswork.

Speak to Mortgage Knight today, and we’ll match you with a lender who’s most likely to say yes — and offer a deal that fits your plan.

Over 100 lenders. One expert team. One perfect match.

Need Help Choosing a Lender?