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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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Leeds Building Society is a medium-sized lender with branches in over 50 locations across the UK.
Here, you can find out what Leeds Building Society mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Leeds Building Society mortgage rates on the market right now.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Leeds Building Society mortgage review
Real Leeds Building Society customers views
We've asked 69 Leeds Building Society mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Leeds Building Society's mortgage rates to work out if it's a lender that offers competitive deals.
Leeds Building Society near the bottom of our customer satisfaction table, with customers giving it just two stars for online access. It also scored below average in our interest rate analysis.
68%
out of 21 mortgage lenders ranked on customer score (joint 19th)
To see how Leeds Building Society compares to other mortgage providers, head to our guide to the best mortgage lenders.
Which? analysed thousands of mortgages, using Moneyfacts data, over an eight-week period in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week. Leeds Building Society averaged 3.8 appearances per week. This shows it did sometimes offer competitive rates during our analysis, but other lenders typically offered lower rates for a range of scenarios.
You can see the mortgages Leeds Building Society is currently offering first-time buyers, home movers and remortgagers in the tables below.
To see how Leeds Building Society compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 80% | Leeds Building Society | 68% | 4.47% | £1,499 | 7.74% |
| 80% fee free | Leeds Building Society | 68% | 4.62% | £0 | 7.74% |
| 90% | Leeds Building Society | 68% | 4.7% | £0 | 7.74% |
| 90% fee free | Leeds Building Society | 68% | 4.7% | £0 | 7.74% |
| 95% | Leeds Building Society | 68% | 4.86% | £999 | 7.74% |
| 95% fee free | Leeds Building Society | 68% | 5.07% | £0 | 7.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Leeds Building Society had a sample size of 69.
| 60% | Leeds Building Society | 68% | 3.87% | £999 | 7.74% |
| 60% fee free | Leeds Building Society | 68% | 4.08% | £0 | 7.74% |
| 75% | Leeds Building Society | 68% | 3.99% | £1,499 | 6.99% |
| 75% fee free | Leeds Building Society | 68% | 4.3% | £0 | 7.74% |
| 85% | Leeds Building Society | 68% | 4.27% | £1,499 | 6.99% |
| 85% fee free | Leeds Building Society | 68% | 4.5% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Leeds Building Society had a sample size of 69.
| 60% | Leeds Building Society | 68% | 3.87% | £999 | 7.74% |
| 60% fee free | Leeds Building Society | 68% | 4.08% | £0 | 7.74% |
| 75% | Leeds Building Society | 68% | 3.99% | £1,499 | 6.99% |
| 75% fee free | Leeds Building Society | 68% | 4.31% | £0 | 6.99% |
| 85% | Leeds Building Society | 68% | 4.27% | £1,499 | 6.99% |
| 85% fee free | Leeds Building Society | 68% | 4.5% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Leeds Building Society had a sample size of 69.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Leeds Building Society mortgage customers about their experience with the lender.
Here's how customers rated Leeds Building Society in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (e.g. telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (e.g. being able to overpay/underpay/take payment holidays) | |
| Online access (e.g. being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Leeds Building Society had a sample size of 69.
We also collected Leeds Building Society mortgage customer comments, which were generally positive.
Many customers told us that they had no problems or issues with the lender. A common theme in responses was that Leeds Building Society is 'easy to deal with'.
Feedback on Leeds Building Society's customer service was typically positive, with one customer telling us it was 'friendly and polite'.
When we checked in September 2025, there were 148 mortgages available from Leeds Building Society. All of these were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Leeds Building Society mortgages had initial periods of two, three or five years.
Leeds Building Society will allow you to borrow up to 4.49x income for home movers and up to 5.5x income for first-time buyers. First-time buyers must have a minimum household income of £30,000 to qualify for higher loan-to-income ratios.
Currently, Leeds Building Society doesn't offer green mortgage products.
All of Leeds Building Society's mortgages have a maximum term length of 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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