Panel lenders

We search across the whole market.

We offer a comprehensive range of mortgages from across the market, but not deals that are only available by going direct to a lender. This meets the FCA’s “whole of market” definition under MCOB 4.4A.2R, and applies to both first-charge and second-charge regulated mortgages and to buy-to-let — we do not advise on equity release. We access 90+ UK lenders through PMS Mortgage Club.

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Whole-of-market disclosure

Equation Financial offers a sufficiently large representative sample of the regulated mortgage contracts that are generally available in the market, and our selection process is based on review criteria that reflect an up-to-date, comprehensive knowledge of the products available across the market as a whole. This meets the FCA’s two-pronged test for their “whole of market” definition under MCOB 4.4A.2R. We do not offer mortgage contracts that are only available if a customer goes directly to a mortgage lender. Where a client’s circumstances make it necessary and clearly in their best interests, we may arrange an off-panel placement with a lender not listed here; any such arrangement is made on a case-by-case basis and remains subject to the same suitability and due diligence standards. Our panel is reviewed regularly and may change without notice; not every lender is available for every product or client type.

Scope of our whole-of-market service (MCOB 4.4A.2R)

Our whole-of-market scope applies to both first-charge regulated mortgage contracts (including residential purchase, home mover and remortgage cases) and second-charge regulated mortgage contracts, as well as to buy-to-let mortgages, both regulated consumer buy-to-let and non-regulated buy-to-let. We do not advise or arrange equity release or lifetime mortgages; where those may be suitable we will refer you to a specialist firm, and any such referral falls outside our whole-of-market scope.

Our “most suitable” commitment (MCOB 4.4A.6R)

Because we advise on a whole-of-market basis, our personal recommendation to you must be the most suitable product for your needs and circumstances from that market-wide search — not simply a product that is adequate, and never a product chosen because of the commission it pays. Our advisers research the market for each case, compare total cost over the deal period alongside features, flexibility and eligibility, and record in your suitability report why the recommended product is the most suitable available to you and why the alternatives considered were not. Where a lender that we cannot access appears to offer a materially better outcome, we will tell you.

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Panel last reviewed 26 July 2026. Reviewed regularly and may change without notice. Not every lender is available for every product or client type.

Accord Mortgages
Affirmative Finance
Afin Bank
Aldermore Mortgages
BM Solutions
Bank of Ireland
Barclays
Bath Building Society
Beverley Building Society
Bluestone Mortgages
Buckinghamshire Building Society
CHL Mortgages
Cambridge Building Society
Catalyst Property Finance
Central Trust
Chorley Building Society
Clydesdale Bank
Coutts
Coventry for Intermediaries
Darlington Building Society
Dudley Building Society
Earl Shilton Building Society
Ecology Building Society
Family Building Society
Fleet Mortgages
Foundation Home Loans
Furness Building Society
Gatehouse Bank
Gen H
Greenfield Mortgages
HSBC for Intermediaries
Halifax Intermediaries
Hampshire Trust Bank
Hanley Economic Building Society
InterBay
Kensington Mortgages
Kent Reliance
Landbay
Leeds Building Society
Leek Building Society
LendInvest
Lendco
LiveMore Capital
Loughborough Building Society
MT Finance
Mansfield Building Society
Market Harborough Building Society
Marsden Building Society
Melton Building Society
Metro Bank
Moda Mortgages
Molo
NatWest Intermediary Solutions
NatWest International
Nationwide for Intermediaries
Newbury Building Society
Newcastle Building Society
Nottingham for Intermediaries
Paragon
Penrith Building Society
Pepper Money
Perenna Bank
Precise Mortgages
Principality Building Society
Progressive Building Society
Quantum Mortgages
Rely
Saffron for Intermediaries
Santander for Intermediaries
Scottish Building Society
Scottish Widows Bank
Skipton Intermediaries
Stafford Railway Building Society
StrideUp
Suffolk Building Society
Swansea Building Society
TAB Mortgages
TSB Intermediary
Tandem Bank
Teachers for Intermediaries
The Co-Operative Bank for Intermediaries
The Mortgage Lender
The Mortgage Works
Tipton & Coseley Building Society
Together
United Trust Bank
Vernon Building Society
Vida Home Loans
Virgin Money for Intermediaries
West One
Zephyr Homeloans

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