Coronavirus (COVID-19) mortgages update
The current deadline for mortgage payment holiday applications, which allow homeowners to defer payments for up to six months, is 31 January 2021. You can find out more with the following articles:
- How to apply for a mortgage payment holiday
- What's happened to mortgages during COVID-19?
- How has the coronavirus affected house prices?
For the latest updates and advice, visit the Which? coronavirus information hub.
Leeds Building Society customer ratings

Leeds Building Society is one of the largest building societies in the country, and offers mortgages across the UK.
The table below shows how Leeds performed in our latest mortgage satisfaction survey,
We gathered feedback from real Leeds customers on everything to do with their mortgage, from value for money to statement transparency.
Customer rating for: | Star rating |
---|---|
Customer service | |
Application process | - |
Value for money | |
Keeping you well informed | |
Clarity of statements | |
Transparency of charges | |
Query and complaint handling | |
Ability to overpay or underpay mortgage | |
Online access | |
Star ratings based on a June/July 2020 Which? survey of 3625 members of the general public in which 64 people told us they had their mortgage with Leeds Building Society.
What kinds of mortgages does Leeds offer?
Many mortgage lenders have significantly cut their offerings this year due to the coronavirus outbreak.
When we checked in September 2020, there were 28 mortgages available from Leeds. All were fixed-rate deals - meaning your interest rate will stay the same for a set initial period.
Leeds' mortgages came with a initial period of either two, five or 10 years.
Does Leeds Building Society offer the best mortgage deals?
Our experts analysed hundreds of mortgages over a four-week period in July 2020. They compiled a total of 208 ‘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 16, but Leeds featured just once - meaning it failed to offer rates as attractive as some of its competitors. (Data source: Moneyfacts.)
Interest rates on Leeds Building Society mortgages
In September 2020, the average rate on a two-year fixed-rate mortgage from Leeds was 2.01%, compared to the overall market average of 2.33%.
How much could I borrow on a mortgage from Leeds?
Leeds will lend to first-time buyers, home movers and remortgagers at 65%, 75%, 80% and 85% loan-to-value.
You can apply to borrow 4.75 times your salary if the mortgage loan-to-value is 85% or lower. You can borrow 4.5 times you salary on mortgages at 90% or higher.
Can I make overpayments?
You can make overpayments of up to 10% per year on all Leeds Building Society mortgages.
How can I contact Leeds Building Society?
Mortgages from Leeds are available directly from the lender or through mortgage brokers.
Leeds can be contacted on 03450 505 075.
Its website is leedsbuildingsociety.co.uk.