Lenders we have access to
Most brokers quote a round number. We counted ours, wrote down where each lender comes from, and published the list so you can check it.
What access actually means
Access means we can research a lender's products and place your case with them where they are the right answer. It does not mean we use all 102 regularly, and any broker telling you they do is stretching it.
Most mortgages are straightforward and go to a much smaller group of lenders. The size of the panel matters for the ones that aren't - the self-employed applicant with two years of patchy accounts, the flat above a shop, the borrower who wants a mortgage at 72, the landlord buying through a limited company. That is when the difference between a short panel and a long one stops being a marketing line and starts being whether you get a mortgage.
Building societies
Mutuals. Most still underwrite by hand, which means a person reads the case rather than a scorecard rejecting it. This is where older borrowers, unusual properties, self-employed accounts and anything that doesn't fit a tick-box tends to find a home.
- Bath Building Society
- Beverley Building Society
- Buckinghamshire Building Society
- Cambridge Building Society
- Chorley Building Society
- Coventry for Intermediaries
- Cumberland Building Society
- Darlington Building Society
- Dudley Building Society
- Earl Shilton Building Society
- Ecology Building Society
- Family Building Society
- Furness Building Society
- Hanley Building Society
- Harpenden Building Society
- Hinckley & Rugby Building Society
- Leeds Building Society
- Leek Building Society
- Loughborough Building Society
- Mansfield Building Society
- Market Harborough Building Society
- Marsden Building Society
- Melton Building Society
- Nationwide for Intermediaries
- Newbury Building Society
- Newcastle Building Society
- Nottingham for Intermediaries
- Penrith Building Society
- Principality Building Society
- Progressive Building Society
- Saffron for Intermediaries
- Scottish Building Society
- Skipton Intermediaries
- Stafford Railway Building Society
- Suffolk Building Society
- Swansea Building Society
- Teachers for Intermediaries
- Tipton & Coseley Building Society
- Vernon Building Society
Specialist lenders
Lenders built for the cases the high street declines. Adverse credit, complex or multiple income sources, ex-pat and foreign national applicants, non-standard construction, and properties the mainstream won't touch.
- Affirmative
- Aldermore Mortgages
- Bluestone Mortgages
- BM Solutions
- Central Trust
- Foundation Home Loans
- Gatehouse Bank
- Greenfield Mortgages
- Hampshire Trust Bank
- InterBay
- Kensington
- Kent Reliance
- LendInvest
- Pepper Money
- Precise Mortgages
- Tandem Bank
- The Mortgage Lender
- Together
- United Trust Bank
- Vida Home Loans
- West One
Banks and mainstream lenders
The high street names, plus a few you can only reach through a broker. For a straightforward case these usually hold the sharpest rates, and that is exactly why we check them first.
- Accord Mortgages
- Afin Bank
- Atom Bank
- Bank of Ireland
- Barclays
- Clydesdale Bank
- Coutts
- Gen H
- Halifax Intermediaries
- Handelsbanken
- HSBC
- Metro Bank
- NatWest Intermediary Solutions
- NatWest International
- Perenna Bank
- Santander for Intermediaries
- Scottish Widows Bank
- The Co-operative Bank for Intermediaries
- TSB
- Virgin Money
Buy-to-let specialists
Landlord lending. Limited company and SPV structures, portfolios, HMOs and multi-unit freehold blocks, holiday lets, and the stress-test calculations that decide how much a rental property will actually support.
- CHL Mortgages
- Fleet Mortgages
- Keystone
- Landbay
- Lendco
- Moda Mortgages
- Molo
- Paragon
- Quantum Mortgages
- Rely
- The Mortgage Works
- Zephyr Homeloans
Later life and equity release
Lending into and through retirement. Lifetime mortgages, retirement interest-only, and later life term lending, where pension income and age caps rule out most standard products.
- Aviva Equity Release
- Canada Life
- Hodge
- JUST
- L&G Home Finance
- LiveMore Capital
- LV= Equity Release
- more2life
- Pure Retirement
- Responsible Lending
Common questions
How many lenders does Aspect Mortgages have access to?
102 lenders, as at 19 August 2026. That figure comes from our own audited panel record rather than a rounded marketing number. It breaks down as 39 building societies, 21 specialist lenders, 20 banks and mainstream lenders, 12 buy-to-let specialists, 10 later life and equity release.
Does that mean you use all of them?
No, and we would be suspicious of any broker who claimed otherwise. Most mortgages are straightforward and get placed with a much smaller group of lenders. The size of the panel matters for the cases that are not straightforward - it is the difference between finding you a lender and telling you no one will lend.
How do you access this many lenders?
Through a combination of mortgage club memberships and agencies we hold directly with lenders. Aspect Mortgages is directly authorised by the Financial Conduct Authority, so we are not restricted to a network's panel - we choose our own lender relationships.
Is the list kept up to date?
Yes. We re-check it every quarter against the current lender panels and record the date it was last verified at the top of this page. Lenders join and leave, and a list that is not maintained is worse than no list at all.
Are there lenders you cannot access?
Some lenders only deal direct with the public and never through brokers, so no intermediary can access them. A small number of others operate restricted panels. We would rather say that plainly than imply we can reach every lender in the country.
This list reflects the lenders available to us as at 19 August 2026 and is reviewed quarterly. Lender panels change, and inclusion here does not mean a lender will lend in any individual case - all lending is subject to the lender's own criteria, status and valuation.
Why Choose Aspect Mortgages?
Independent and FCA regulated. We work for you, not for the lender
Whole of market access across 100+ lenders and leading insurers
Family run since 2004 with over 100 years of combined team experience
Local office, national reach. Serving clients across Lancashire, Greater Manchester and nationwide.
Real people, no jargon. Plain English, at your pace
Rated 5 stars across 500+ Google reviews. One of the most reviewed brokers in the North West
Fixed, transparent fee. One flat fee, no surprises.
What our customers say
Rated 5 stars across 500+ Google reviews, one of the most reviewed mortgage brokers in the North West.
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Areas We Cover
Remote advice offered nationwide.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £495 for a residential/buy to let mortgage or £1,495 for an equity release/retirement mortgage.
Aspect Mortgages Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under FCA reference 305352. The FCA do not regulate Business Buy to Let Mortgages.
As independent advisers we have access to the whole market, except for deals that you can only obtain by going direct to a lender. Registered in England and Wales No: 05103801. 16 St Thomas' Road, Chorley, PR7 1HR.
A Lifetime Mortgage may reduce the value of your estate and could affect your entitlement to benefits. To understand the features and risks please ask us for a personalised illustration.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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