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AA Mortgages review

Our AA Mortgages review combines customer feedback with expert deal analysis to reveal whether the lender is worth considering next time you apply for a mortgage.

In this article
AA Mortgages customer ratings What kinds of mortgages does the AA offer? Does AA Mortgages offer the best mortgage deals? Interest rates on AA Mortgages How much could I borrow from AA Mortgages? Can I make overpayments?
How can I contact AA Mortgages? AA Mortgages eligibility Does AA Mortgages offer any customer incentives? What AA Mortgages customers say Get personal mortgage advice

AA Mortgages customer ratings

AA review
Which? Customer Score
Joint 15th out of 23 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Compare AA Mortgages against 22 other mortgage lenders

The table below shows how AA Mortgages performed, from application process to value for money.

Customer rating for: Star rating
Customer service

3 out of 5

Application process

0 out of 5

Value for money

0 out of 5

Keeping you well informed

3 out of 5

Clarity of statements

0 out of 5

Transparency of charges

4 out of 5

Query and complaint handling 3 out of 5
Ability to overpay or underpay mortgage 3 out of 5
Online access 3 out of 5


Star ratings based on a June 2018 Which? survey of 3,560 members of the general public, in which 30 people told us they had their mortgage with AA Mortgages. Where no rating is given the sample size was too small.

What kinds of mortgages does the AA offer?

AA Mortgages is a relatively new player in the mortgage-lending market, having launched in 2016. Its mortgages are provided by the Bank of Ireland.

When we checked in July 2018, there were 25 mortgages available from the AA – a fairly small number compared with other lenders.

Most AA mortgages were fixed-rate deals, while two were standard-variable-rate mortgages. The fixed-rate deals were available for two, three or five years, with some offering cashback of up to £750.

Does the AA offer interest-only mortgages?

Yes, you could borrow up to 60% of the property’s price or value (whichever is lower) on an interest-only mortgage.

To be eligible, you must own a share of at least £250,000 of the property’s value. You also need to have an income of at least £50,000 a year.

Alternatively if you’re applying for an interest-only mortgage with another person, and neither of you have a minimum income of £50,000, your joint income must be at least £75,000.

Currently when you reach the end of an interest-only mortgage with the AA, you’ll need to sell the property to repay the capital, as this is the only repayment method that’s accepted.

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

Does AA Mortgages offer the best mortgage deals?

Which? analysis has found that AA Mortgages offers fewer cheap mortgages than the average lender.

In order to work this out, our experts analysed thousands of mortgages over a four-week period in June and July 2018. They compiled a total of 108 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 14, but AA Mortgages only featured eight times. (Data source: Moneyfacts.)

Interest rates on AA Mortgages

The majority of mortgages offered by the AA are fixed-rate deals, meaning your interest rate is guaranteed to stay the same for a set number of years.

The AA currently doesn’t offer tracker or discount mortgages. The only variable rates it offers are on its standard-variable-rate (SVR) mortgages, where the interest rate is the Bank of Ireland’s SVR.

When we checked in July 2018, the average interest rate of a two-year fixed-rate mortgage deal from the AA was 2.24%, compared with the industry average of 2.81%.

How much could I borrow from AA Mortgages?

Below we’ve outlined how much you could borrow from AA Mortgages in relation to the percentage of the property’s value.

Maximum loan amount Loan-to-value
£500,000 95% (or 90% if you’re remortgaging)
£750,000 85%
£850,000 80%
£1,000,000 75%
£1,500,000 70%

Can I make overpayments?

If you have a fixed-rate mortgage, you can overpay by up to 10% in any year without having to pay a charge.

If you’re paying the standard variable rate of interest on an AA mortgage, there’s no limit on the amount you can overpay, but you may have to pay a charge if you pay off your mortgage in full.

How can I contact AA Mortgages?

AA Mortgages can be contacted on 0800 169 6010.

Its website is theaa.com.

AA Mortgages eligibility

If you’re applying for a repayment mortgage, your household income must be at least £20,000.

You won’t be able to get a mortgage from the AA if you’ve ever been bankrupt, or had a property repossessed. AA Mortgages also won’t normally lend to you if, in the past three years, you’ve had arrears on your mortgage or rent, or missed more than two credit card payments in a row.

If you want to apply for a mortgage from the AA for a leasehold property, there must be at least 85 years on the lease when you begin your mortgage application, and at least 45 years left on the lease when the mortgage ends.

Does AA Mortgages offer any customer incentives?

AA offers a ‘loyalty bonus’ equal to 0.1% of your mortgage balance each year, which you can use to make an overpayment.

It also allows overpayments of as little as £1 – ideal if you prefer to pay as you go, rather than in big lump sums.

Product fees for AA mortgages range from £0 to £1,495. For its 90% and 95% mortgages, the product fees are currently £0 (but there could still be other fees to pay).

What AA Mortgages customers say


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Correct as of date of publication.


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