Best Mortgage Lenders January 2025

Finding the best mortgage lender and deal for you is essential. This is because taking out a mortgage is one of the biggest financial decisions you’re ever likely to make. Here’s our roundup of a selection of UK mortgage providers along with the pros and cons of each.

Angela Kerr Director, Editor

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Mortgage Provider	HOA’s Rating	Max Loan Amount	Max Loan Term	Loan to Income Ratio	Actions
		£5m	40 years	6x income	Check if you Qualify Learn More
		£5m+	40 years	5.5x income	Check if you Qualify Learn More
		£3m+	25 years	5.5x income	Check if you Qualify Learn More
		£7.5m+	40 years	5.5x income	Check if you Qualify Learn More
		£2m	40 years	N/A	Check if you Qualify Learn More
		£5m	40 years	5.5x income	Check if you Qualify Learn More
		£2m	40 years	5.5x income	Check if you Qualify Learn More
		£2m	40 years	5.5x income	Check if you Qualify Learn More
		£3m+	40 years	5.5x income	Check if you Qualify Learn More
		£1.5m	43 years	5.5x income	Check if you Qualify Learn More

Think carefully before taking out any mortgage. Your home may be repossessed if you do not keep up repayments.

Our mortgage lender star ratings are based on our expert assessment of a number of factors including range of products, how competitive the lender’s rates are, customer satisfaction ratings and any standout features of the lender. Our reviews are our opinion and do not constitute advice, recommendation or suitability for your financial circumstances. These mortgage providers are available via our partnership with mortgage brokers L&C.

Top 10 Mortgage Lenders In Focus

Nationwide Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages

Pros

• First time buyers can borrow up to 6 x income with lender’s Helping Hand mortgage.
• 2024 Finder Awards’ Mortgages Customer Satisfaction Winner. Had a ‘Would recommend’ score of 98%.
• Which? Recommended Provider. High scores for customer service and transparency of charges.
• Offers 0% interest Green Additional Borrowing Mortgage to fund improvements to your home’s energy efficiency
• Competitive interest rates, especially on its 10 year fixed rate mortgage

Cons

• There are risks to its 100% mortgage including risk of negative equit

Mortgage Types

• remortgages
• Fixed rate
• variable rate
• first time buyer mortgages
• moving home
• remortgages
• interest-only
• additional borrowing
• Buy to Let
• green mortgages
• Shared Ownership mortgages
• Right to Buy.

Barclays Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages

Pros

• Offers unique products like the Family Springboard Mortgage, which allows family members to support borrowers without gifting money outright. 
• Competitive interest rates on fixed and tracker mortgages, especially for low Loan to Value (LTV) mortgages.
• Green mortgage options available on new deals. While existing customers can get up to £2,000 as a Greener Home Reward for making their home more energy efficient.

Cons

• Some customers have complained about customer service, however, many say they’re satisfied.

Mortgage Types

• Fixed rate
• variable rate
• first time buyer mortgages
• remortgages
• moving home
• interest-only
• additional borrowing
• Buy to Let
• green mortgages
• Family Springboard mortgage
• Offset mortgages
• 95% mortgages
• Shared Ownership

Santander Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages

NatWest Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages

Coventry Building Society Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages

Halifax Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages

TSB Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages

Virgin Money Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages

HSBC Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages

Skipton Building Society Mortgages

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This mortgage provider is available via our partner, London & Country Mortgages