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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.

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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

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.

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.