Are you in the market for a new home? Whether you’re a first-time buyer or looking to remortgage, navigating the world of mortgage lenders can be a daunting task. That’s why we’ve compiled this comprehensive list of mortgage lenders in the UK to help make your search a little easier. From well-known banks to smaller, specialized lenders, this list provides you with a range of options to suit your needs. So, get ready to find your dream home and secure the financing you need with this handy guide to mortgage lenders in the UK.
High Street Lenders
Barclays
Barclays is one of the most well-known high-street lenders in the UK. With a history dating back over 300 years, Barclays has established itself as a reliable and trusted institution. They offer a wide range of mortgage products to suit different needs and circumstances. Whether you’re a first-time buyer, looking to remortgage, or interested in a buy-to-let property, Barclays has options for you. Their experienced mortgage advisors are there to guide you through the process and help you find the best solution.
HSBC
HSBC is another high-street lender that has a strong presence in the UK mortgage market. They offer competitive rates and have a variety of mortgage products available, including fixed-rate, tracker, and offset mortgages. HSBC also provides specialized support for first-time buyers, making the process easier and less daunting. With their online mortgage calculator and helpful resources, you can quickly get an idea of how much you can borrow and what your monthly repayments might be.
Lloyds Bank
Lloyds Bank is a trusted name in the UK banking industry and offers a wide range of mortgage options. They have dedicated mortgage advisors who can provide personalized advice based on your individual circumstances. Lloyds Bank offers competitive rates and flexible repayment options, making it easier for you to find a mortgage that suits your needs. They also have online tools and resources to help you understand the mortgage process and make informed decisions.
NatWest
NatWest is another well-established high-street lender that offers a comprehensive range of mortgage products. They understand that every borrower is unique, and their experienced mortgage advisors can guide you through the process of finding the right mortgage for your needs. Whether you’re a first-time buyer, looking to remortgage, or interested in buy-to-let, NatWest has solutions tailored to your requirements. They also offer online tools and calculators to help you estimate your borrowing capacity and monthly repayments.
Santander
Santander is a popular choice for many borrowers in the UK. They offer a range of mortgage options, including fixed-rate, tracker, and offset mortgages. Santander understands that buying a home is a significant financial commitment, and they provide support and guidance throughout the process. Their mortgage advisors are available to answer your questions and help you choose the right mortgage for your needs. Santander also provides online resources to help you understand the mortgage application process and make informed decisions.
Specialist Lenders
Aldermore
Aldermore is a specialist lender that focuses on providing mortgages to customers who may not fit the traditional lending criteria. They have a flexible approach and consider applicants with non-standard incomes, complex employment situations, or a less-than-perfect credit history. Aldermore offers a range of mortgage products, including residential, buy-to-let, and self-build mortgages. Their experienced underwriters assess each application individually to provide customized solutions for their customers.
Metro Bank
Metro Bank is a challenger bank that offers innovative mortgage solutions to UK borrowers. They pride themselves on their fast and flexible approach to lending, aiming to make the mortgage application process as straightforward as possible. Metro Bank offers a range of mortgage products, including fixed-rate, tracker, and offset mortgages. They also provide personalized advice and support through their dedicated mortgage advisors, ensuring you find the right mortgage product for your needs.
Precise Mortgages
Precise Mortgages is a specialist lender that focuses on providing mortgages to customers who may not meet the criteria of mainstream lenders. They specialize in buy-to-let and residential mortgages for customers with complex requirements, such as self-employed individuals or those with adverse credit history. Precise Mortgages has a team of experienced underwriters who assess each application individually, allowing them to consider a wide range of circumstances and provide tailored lending solutions.
Shawbrook Bank
Shawbrook Bank is a specialist lender that offers a range of mortgage products to suit different borrower needs. They focus on providing innovative solutions and excellent customer service. Shawbrook Bank offers mortgages for residential and buy-to-let properties, including options for professional landlords and limited company buy-to-lets. They understand that every borrower is unique, and their experienced mortgage advisors are there to guide you through the mortgage process and help you find the right solution.
Building Societies
Nationwide
Nationwide is the largest building society in the UK and offers a wide range of mortgage products. As a building society, Nationwide is owned by its members, meaning that it operates for the benefit of its customers. Nationwide provides competitive rates, flexible repayment options, and excellent customer service. They offer mortgages for first-time buyers, home movers, and those looking to remortgage. Nationwide also has dedicated mortgage advisors who can provide personalized advice based on your individual circumstances.
Coventry Building Society
Coventry Building Society is a well-established institution with a focus on providing excellent customer service. They offer a range of mortgage products, including fixed-rate, tracker, and offset mortgages. Coventry Building Society provides competitive rates and flexible repayment options, allowing you to find a mortgage that suits your needs. They also have dedicated mortgage advisors who can provide personalized advice and guide you through the mortgage application process.
Yorkshire Building Society
Yorkshire Building Society is a trusted name in the UK mortgage market. They offer a range of mortgage products, including options for first-time buyers, home movers, and those looking to remortgage. Yorkshire Building Society provides competitive rates and flexible repayment options, making it easier for you to find a mortgage that suits your needs. They also have online tools and resources to help you understand the mortgage process and make informed decisions.
Leeds Building Society
Leeds Building Society is committed to providing high-quality mortgage products and excellent customer service. They offer a range of mortgage options, including fixed-rate, tracker, and offset mortgages. Leeds Building Society has dedicated mortgage advisors who can provide personalized advice and guidance throughout the application process. Whether you’re a first-time buyer or looking to remortgage, Leeds Building Society has solutions tailored to your needs.
Online Mortgage Lenders
First Direct
First Direct is an online bank that offers a range of mortgage products to UK borrowers. They aim to make the mortgage application process as simple and convenient as possible by providing online tools and resources. First Direct offers competitive rates and flexible repayment options, allowing you to find a mortgage that suits your needs. They also have a team of experienced mortgage advisors who can provide personalized advice and answer any questions you may have.
Atom Bank
Atom Bank is a digital challenger bank that offers innovative mortgage solutions. They provide a seamless digital experience, allowing you to manage your mortgage application online. Atom Bank offers competitive rates and flexible repayment options, making it easier for you to find a mortgage that suits your needs. They also have a team of experienced mortgage advisors who can provide personalized advice and guidance throughout the mortgage process.
Molo Finance
Molo Finance is an online mortgage lender that specializes in providing digital mortgage solutions. They aim to make the mortgage application process faster, simpler, and more transparent for borrowers. Molo Finance offers competitive rates and flexible repayment options, allowing you to find a mortgage that suits your needs. They have an intuitive online platform that allows you to manage your mortgage application from start to finish, making the process convenient and efficient.
Challenger Banks
Virgin Money
Virgin Money is a well-known challenger bank that offers a range of mortgage products to UK borrowers. They provide competitive rates and flexible repayment options, catering to various needs and circumstances. Virgin Money has a team of experienced mortgage advisors who can provide personalized advice and guidance throughout the mortgage application process. They also offer online tools and resources to help you understand the mortgage process and make informed decisions.
Tesco Bank
Tesco Bank, known for its retail operations, also offers a range of mortgage products to UK borrowers. They provide competitive rates and flexible repayment options, making it easier for you to find a mortgage that suits your needs. Tesco Bank has a team of dedicated mortgage advisors who can provide personalized advice and support throughout the mortgage application process. They also offer online tools and resources to help you understand the mortgage process and make informed decisions.
Metro Bank
Metro Bank, as mentioned earlier, is a challenger bank that offers innovative mortgage solutions. They have a customer-focused approach and aim to make the mortgage application process as straightforward as possible. Metro Bank offers a range of mortgage products, including fixed-rate, tracker, and offset mortgages. They also provide personalized advice and support through their dedicated mortgage advisors, ensuring you find the right mortgage product for your needs.
Mutual Societies
West Bromwich Building Society
West Bromwich Building Society is a mutual society that operates for the benefit of its members. They offer a range of mortgage products, including options for first-time buyers, home movers, and those looking to remortgage. West Bromwich Building Society provides competitive rates and flexible repayment options, making it easier for you to find a mortgage that suits your needs. They also have dedicated mortgage advisors who can provide personalized advice and guidance throughout the application process.
Skipton Building Society
Skipton Building Society is another well-established mutual society that offers a range of mortgage products. They provide competitive rates and flexible repayment options, making it easier for you to find a mortgage that suits your needs. Skipton Building Society has experienced mortgage advisors who can provide personalized advice based on your individual circumstances. Whether you’re a first-time buyer or looking to remortgage, Skipton Building Society has solutions tailored to your needs.
Coventry Building Society
Coventry Building Society, mentioned earlier as a building society, also falls under the category of mutual societies. They operate for the benefit of their members and offer a wide range of mortgage products. Coventry Building Society provides competitive rates and flexible repayment options, allowing you to find a mortgage that suits your needs. They also have dedicated mortgage advisors who can provide personalized advice and guide you through the mortgage application process.
Credit Unions
London Mutual Credit Union
London Mutual Credit Union is a member-owned financial cooperative that offers a range of financial services, including mortgages. They provide mortgage options tailored to the needs of their members, with competitive rates and flexible repayment options. London Mutual Credit Union aims to promote financial inclusion and provide affordable lending solutions. They have dedicated mortgage advisors who can provide personalized advice and guidance throughout the mortgage application process.
Manchester Credit Union
Manchester Credit Union is another member-owned financial cooperative that offers mortgage products to its members. They provide competitive rates and flexible repayment options, allowing members to find a mortgage that suits their needs. Manchester Credit Union offers support and guidance throughout the mortgage application process, helping members make informed decisions. They prioritize financial inclusion and aim to provide accessible mortgage solutions to their community.
Liverpool Credit Union
Liverpool Credit Union, like the other credit unions mentioned, is a member-owned financial cooperative that provides mortgage products to its members. They offer competitive rates and flexible repayment options, catering to the diverse needs of their members. Liverpool Credit Union provides personalized advice and support throughout the mortgage application process, ensuring members have a positive experience. They prioritize financial inclusion and aim to make mortgages accessible to their community.
Private Banks
Coutts
Coutts is a private bank that offers bespoke mortgage solutions to high net worth individuals and clients with complex financial needs. They provide personalized service and tailored mortgage products, taking into account each client’s unique circumstances and goals. Coutts offers competitive rates and flexible repayment options, allowing clients to find a mortgage that aligns with their financial strategies. They have a team of experienced mortgage advisors who can provide personalized advice and support throughout the mortgage application process.
RBS Private Banking
RBS Private Banking is the private banking arm of the Royal Bank of Scotland and offers a range of mortgage solutions to high net worth individuals. They provide personalized service and support, taking into account each client’s individual circumstances and financial goals. RBS Private Banking offers competitive rates and flexible repayment options, allowing clients to find a mortgage that meets their needs. They have dedicated mortgage advisors who can provide personalized advice and guidance throughout the mortgage application process.
UBS
UBS is a global financial group that offers private banking and wealth management services, including mortgage solutions. They provide tailored mortgage products and personalized advice to high net worth individuals and clients with complex financial needs. UBS understands the unique requirements of their clients and offers competitive rates and flexible repayment options. They have a team of experienced mortgage advisors who can provide personalized advice and support, ensuring their clients find the right mortgage product for their needs.
Specialist Buy-to-Let Lenders
Paragon
Paragon is a specialist lender that focuses on providing mortgage solutions for buy-to-let properties. They offer a range of mortgage products designed specifically for landlords, including options for portfolio landlords and limited company buy-to-lets. Paragon understands the unique needs of buy-to-let investors and provides competitive rates and flexible repayment options. They have a team of experienced underwriters who assess each application individually, allowing them to consider a wide range of circumstances and provide tailored lending solutions.
Precise Mortgages
Precise Mortgages, mentioned earlier as a specialist lender, also specializes in buy-to-let mortgages. They offer a range of mortgage products designed for landlords with complex requirements or non-standard income sources. Precise Mortgages provides competitive rates and flexible repayment options, making it easier for landlords to find a mortgage that suits their needs. Their experienced underwriters assess each application individually, allowing them to consider a wide range of circumstances and provide customized lending solutions.
Foundation Home Loans
Foundation Home Loans is a specialist lender that provides mortgage solutions for buy-to-let landlords. They offer a range of mortgage products designed for different types of landlords, including those with larger portfolios or complex borrowing situations. Foundation Home Loans provides competitive rates and flexible repayment options, allowing landlords to find a mortgage that meets their needs. They understand the needs of buy-to-let investors and have a team of experienced underwriters who can provide personalized advice and support throughout the mortgage application process.
Government-backed Lenders
Help to Buy
Help to Buy is a government-backed scheme that aims to help first-time buyers get onto the property ladder. The scheme provides assistance in the form of a shared equity loan, allowing buyers to purchase a new build home with a lower deposit. Help to Buy offers competitive rates and flexible repayment options, making homeownership more accessible. Applicants need to meet certain eligibility criteria to qualify for Help to Buy, and the scheme is available across the UK.
Right to Buy
Right to Buy is a government scheme that allows eligible council and housing association tenants to buy their home at a discounted price. The scheme provides an opportunity for tenants to become homeowners and build equity in their property. Right to Buy offers competitive rates and flexible repayment options, making homeownership more attainable for council and housing association tenants. Applicants need to meet specific criteria to qualify, and the availability of the scheme varies across the UK.
Shared Ownership is a government-backed scheme that offers an affordable way to purchase a home. The scheme allows buyers to purchase a share of a property and pay rent on the remaining share. Shared Ownership offers competitive rates and flexible repayment options, making homeownership more accessible to those who may not be able to afford a standard mortgage. Applicants need to meet certain eligibility criteria to qualify for Shared Ownership, and the availability of properties varies across the UK.