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Mortgage lender reviews

Compare mortgage lenders

By Dean Sobers

Article 2 of 17

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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 your preferred lender against 24 others with our most recent mortgage satisfaction survey results.

Getting the cheapest mortgage deal is probably your first priority, but when thousands of pounds are at stake customer service is important, too. Our mortgage provider comparison table combines real customer reviews with expert Which? analysis to help you find the right provider for you. 

Compare mortgage lenders

In June 2017 we surveyed 4,196 members of the general public about how satisfied they were with their mortgage 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
AA Mortgages 5 stars 5 stars 5 stars 5 stars 5 stars 85%
First Direct 5 stars 5 stars 5 stars 5 stars 4 stars 80%
Yorkshire BS 5 stars 4 stars 5 stars 4 stars 4 stars 72%
Nationwide BS 5 stars 4 stars 4 stars 4 stars 4 stars 72%
Coventry BS 4 stars 4 stars 4 stars 4 stars 4 stars 70%
TSB 4 stars 4 stars 4 stars 4 stars 4 stars 68%
Virgin Money 4 stars 4 stars 4 stars 4 stars 4 stars 68%
Barclays/Woolwich 4 stars 4 stars 4 stars 4 stars 4 stars 66%
Leeds BS 4 stars 4 stars 3 stars 4 stars 3 stars 66%
HSBC 4 stars 4 stars 3 stars 4 stars 4 stars 65%
Skipton BS 4 stars 4 stars 4 stars 4 stars 3 stars 64%
NatWest 4 stars 4 stars 3 stars 4 stars 3 stars 64%
Birmingham & Midshires 2 stars 3 stars 3 stars 3 stars 3 stars 64%
Santander 3 stars 4 stars 3 stars 4 stars 3 stars 64%
Clydesdale 4 stars 4 stars 3 stars 4 stars 3 stars 63%
Cheltenham & Gloucester 4 stars 4 stars 4 stars 4 stars 4 stars 63%
Halifax 4 stars 4 stars 4 stars 4 stars 3 stars 63%
Yorkshire Bank 4 stars 4 stars 3 stars 4 stars 4 stars 63%
Britannia BSa 4 stars 4 stars 4 stars 4 stars 4 stars 63%
Lloyds Bank 4 stars 4 stars 4 stars 4 stars 3 stars 61%
The Co-operative 4 stars 3 stars 4 stars 4 stars 3 stars 57%
Royal Bank of Scotland 3 stars 3 stars 3 stars 4 stars 3 stars 57%
Bank of Ireland 2 stars n/a n/a 3 stars 3 stars 51%
Kensington Mortgage Company 2 stars 3 stars n/a 3 stars 3 stars 46%
Northern Rock/NRAMb 2 stars 3 stars 3 stars 3 stars 2 stars 35%
Table Notes
n/a = sample size too small. Recommended providers in red. Average overall customer satisfaction score is 64%. 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: AA Mortgages (40), First Direct (80), Yorkshire Building Society (75). Nationwide Building Society (402), Coventry BS (80), TSB (101), Virgin Money (74). Barclays/Woolwich (409), Leeds Building Society (50), HSBC (400), Skipton Building Society (51), NatWest (298), Birmingham & Midshires (50), Santander (399), Clydesdale Bank (40), Cheltenham & Gloucester (138), Halifax (398), Yorkshire Bank (40), Britannia Building Society (41), Lloyds Bank (174),  Royal Bank of Scotland (126), Bank of Ireland (33), Kensington Mortgage Company (40), Northern Rock/NRAM (60)

How to compare mortgage lenders

Although the current Which? Recommended Providers were ranked highly by their customers, the best lender for you will depend on your circumstances. For one-to-one advice on the best deal and provider for you, 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.

Video: how to get a mortgage

Video transcript

Mortgagees can seem confusing, but they don't have to be. Here we talk you though the steps you'll need to take to get one. First work out how much money you have for a deposit, you'll need to think about all the other expenses involved in buying a house, such as stamp duty, legal fees and moving costs.

Once you've considered these the amount you have left could be a lot smaller, bare in even if you have a lower deposit, you'll probably have to pay a high interest rate. Next think about how much a mortgage lender would be willing to lend you, this is normally between three and five times your annual income.

Add on your deposits and that will give you a rough idea of how much you can afford. Most importantly think about how much you can afford to pay back each month, by working our budget of incomings and outgoing costs. Not only will this help your plan but your lender will expect to see these details to prove that you can afford to pay back what you want to borrow, before you apply for your chosen mortgage is worth checking your credit history with credit reference agencies such as Call Credit, Equifax and Experian then correcting any errors or working to improve any bad credit history such as missed payments on your credit card, finally when it's time to apply get all the documents ready that you need to prove you're mortgage worthy, such as payslips and bank statements as the lender will want to see these.

Everyone is different so speak to a Which? mortgage adviser to hear expert, impartial and independent advice to fit your circumstances, they can even manage your mortgage application for you too.

Last updated: August 2017

Updated by: Dean Sobers

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Your home may be repossessed if you do not keep up repayments on your mortgage.

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