Compare mortgage lenders

Mortgages

Compare mortgage lenders

By Dean Sobers

Article 2 of 17

Put us to the test

Our Test Labs compare features and prices on a range of products. Try Which? to unlock our reviews. You'll instantly be able to compare our test scores, so you can make sure you don't get stuck with a Don't Buy.

Compare mortgage lenders

Before applying for a mortgage, compare mortgage lenders and see how your preferred provider did in our most recent mortgage satisfaction survey.

 
Recommended Provider icon

Getting the cheapest mortgage deal is probably your first priority, but customer service is important too. The results of our latest mortgage satisfaction survey and our Which? Recommended Providers can help you pick a lender that will provide you with a great deal and great service. 

Although our Which? Recommended Providers were ranked highly by real customers, the best lender for you will depend on your circumstances. For one-to-one advice from an impartial expert, call Which? Mortgage Advisers on 0808 252 7987.

Alternatively, to compare products yourself based on customer service as well as costs, check out the Which? Money Compare mortgage comparison tables.

Best and worst mortgage lenders

In April 2016 we surveyed 4,959 members of the general public about their mortgage and how satisfied they are with the service offered by their lender. Here's what we found:

Compare mortgage lenders
Provider Clarity of statements How well provider deals with queries and complaints Ability to overpay/underpay or take payment holidays Transparency of charges Value Customer score
Nationwide BS 4 stars 3 stars 4 stars 4 stars 4 stars 74%
Coventry BS 4 stars 3 stars 4 stars 4 stars 4 stars 72%
Yorkshire Bank 4 stars 3 stars 4 stars 4 stars 4 stars 72%
Yorkshire BS 3 stars 3 stars 4 stars 4 stars 4 stars 72%
First Direct 3 stars 3 stars 4 stars 4 stars 4 stars 70%
Britannia BSa 4 stars 3 stars 3 stars 3 stars 4 stars 68%
HSBC 3 stars 3 stars 3 stars 3 stars 4 stars 66%
Bank of Ireland (inc Bristol & West)b 3 stars 3 stars 3 stars 4 stars 3 stars 65%
Leeds BS 3 stars 3 stars 3 stars 3 stars 3 stars 65%
Lloyds Bank 3 stars 3 stars 3 stars 3 stars 3 stars 63%
Skipton BS 3 stars 3 stars 3 stars 3 stars 3 stars 63%
Barclays/Woolwich 3 stars 3 stars 3 stars 3 stars 3 stars 62%
Halifax 2 stars 2 stars 3 stars 2 stars 3 stars 62%
Chelsea BS 2 stars 3 stars 2 stars 3 stars 3 stars 62%
NatWest 3 stars 3 stars 2 stars 3 stars 3 stars 61%
Cheltenham & Gloucester 3 stars 3 stars 3 stars 3 stars 3 stars 61%
Santander 3 stars 2 stars 2 stars 2 stars 3 stars 60%
The Co-operative 3 stars 3 stars 4 stars 3 stars 3 stars 60%
Virgin Money 3 stars 3 stars 4 stars 2 stars 3 stars 60%
Clydesdale 2 stars 2 stars 2 stars 2 stars 3 stars 59%
Royal Bank of Scotland 3 stars 2 stars 2 stars 2 stars 3 stars 57%
TSB 3 stars 2 stars 3 stars 3 stars 4 stars 57%
Birmingham & Midshires 2 stars 3 stars 4 stars 2 stars 2 stars 56%
GE Money 2 stars 2 stars 1 stars 2 stars 2 stars 45%
Northern Rock/NRAMb 2 stars 2 stars 2 stars 2 stars 2 stars 41%

Table Notes

n/a = sample size too small; Recommended Providers in red. Average overall customer satisfaction score is 63%

a Britannia branded products are part of the Co-operative Bank's range of products. b Lender does not offer mortgages to new customers

Sample sizes: Nationwide BS (558), Coventry BS (81), Yorkshire Bank (47), Yorkshire BS (84), First Direct (128), Britannia BS (56), HSBC (351), Bank of Ireland (57), Leeds BS (51), Skipton BS (57), Lloyds Bank (218), Barclays/Woolwich (461), Halifax (611), Chelsea BS (43), NatWest (362), Cheltenham & Gloucester (198), Virgin Money (75), Santander (502), Co-operative (78), Clydesdale (42), TSB (97), RBS (151), Birmingham & Midshires (75), GE Money (49), Northern Rock/NRAM (73) 

Click here for full satisfaction results

  • Last updated: May 2016
  • Updated by: Dean Sobers