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Sam covers personal finance topics, from the most affordable places to live to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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In this article
Leeds Building Society is a medium-sized lender with branches in more than 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 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 115 Leeds Building Society mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Leeds Building Society's mortgages to work out if it's a lender that offers competitive deals.
Leeds Building Society achieved a mid-table customer score, although customers gave it just two stars for online access. In our mortgage deals analysis, it ranked 18th cheapest out of 69 lenders.
72%
out of 21 mortgage lenders ranked on customer score
To see how Leeds Building Society compares to other mortgage providers, head to our guide to the best mortgage lenders.
Anna McClean, Market Analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. Leeds Building Society finished 18th out of 69 lenders in our analysis, but it stood out for remortgage deals.'
Here's how Leeds Building Society did in our analysis:
Find out more: check which lenders came ahead of Leeds Building Society in our cheapest lender interest rate analysis.
You can find the two-year fixed-rate mortgages Leeds Building Society is currently offering first-time buyers with an 80%, 90% or 95% LTV using the table.
To see how Leeds Building Society compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 80% | Leeds Building Society | 72% | 5.33% | £999 | 7.74% |
| 80% fee free | Leeds Building Society | 72% | 5.54% | £0 | 7.74% |
| 90% | Leeds Building Society | 72% | 5.44% | £999 | 7.74% |
| 90% fee free | Leeds Building Society | 72% | 5.62% | £0 | 7.74% |
| 95% | Leeds Building Society | 72% | 5.5% | £1,499 | 7.74% |
| 95% fee free | Leeds Building Society | 72% | 5.79% | £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 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Leeds Building Society had a sample size of 115.
You can find the two-year fixed-rate mortgages Leeds Building Society is currently offering home movers with a 60%, 75%, or 85% LTV using the table.
To see how Leeds Building Society compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Leeds Building Society | 72% | 5.34% | £999 | 7.74% |
| 60% fee free | Leeds Building Society | 72% | 5.44% | £0 | 7.74% |
| 75% | Leeds Building Society | 72% | 5.34% | £999 | 7.74% |
| 75% fee free | Leeds Building Society | 72% | 5.44% | £0 | 7.74% |
| 85% | Leeds Building Society | 72% | 5.34% | £999 | 7.74% |
| 85% fee free | Leeds Building Society | 72% | 5.6% | £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 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026 . Providers must receive a minimum sample size of 40 for inclusion in the results. Leeds Building Society had a sample size of 115.
You can find the two-year fixed-rate mortgages Leeds Building Society is currently offering remortgagers with a 60%, 75%, or 85% LTV using the table.
To see how Leeds Building Society compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Leeds Building Society | 72% | 5.34% | £999 | 7.74% |
| 60% fee free | Leeds Building Society | 72% | 5.6% | £0 | 7.74% |
| 75% | Leeds Building Society | 72% | 5.34% | £999 | 7.74% |
| 75% fee free | Leeds Building Society | 72% | 5.6% | £0 | 7.74% |
| 85% | Leeds Building Society | 72% | 5.34% | £999 | 7.74% |
| 85% fee free | Leeds Building Society | 72% | 5.6% | £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 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Leeds Building Society had a sample size of 115.
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 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Leeds Building Society had a sample size of 115.
[They] helped me get on the housing ladder and were flexible when my new-build home got delayed twice!
We also collected Leeds Building Society mortgage customer comments, which were generally positive.
Many customers said they had no problems or issues with the lender. A common theme in responses was that Leeds Building Society is 'easy to deal with'.
However, some customers wanted better online banking. One respondent said that 'online access and visibility is very poor', while another expressed a desire for Leeds Building Society to offer access via an app.
When we checked in September 2026, there were 106 mortgages available from Leeds Building Society. Almost 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.
A small number of mortgages offered by Leeds Building Society were tracker deals, with initial terms lasting two years before reverting to the Leeds Building Society's standard variable rate.
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.
Remortgage and home movers must have an income of at least £50,000 to qualify for loans up to 5.5x income.
Borrowers with a household income of at least £75,000 may qualify for loans up to 6x income.
Currently, Leeds Building Society doesn't offer green mortgage products.
All Leeds Building Society mortgages have a maximum term length of 40 years.
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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