{
  "canary": "5986dd8b96b9334f",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Pricing",
        "key": "interest_rate",
        "label": "Interest Rate",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Pricing",
        "key": "representative_apr",
        "label": "Representative APR",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Pricing",
        "key": "fees",
        "label": "Fees",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Reputation",
        "key": "customer_service_rating",
        "label": "Customer Service Rating",
        "options": [
          1,
          2,
          3,
          4,
          5
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "note",
        "unit": "/5"
      },
      {
        "group": "Product Features",
        "key": "loan_types",
        "label": "Available Loan Types",
        "poids": 3,
        "sens": "neutre",
        "type": "liste"
      },
      {
        "group": "Product Features",
        "key": "loan_terms",
        "label": "Available Loan Terms",
        "poids": 3,
        "sens": "neutre",
        "type": "liste"
      },
      {
        "group": "Product Features",
        "key": "flexibility_options",
        "label": "Flexibility Options (e.g., early repayment)",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "booleen"
      },
      {
        "group": "Support",
        "key": "mortgage_advisor_support",
        "label": "Mortgage Advisor Support",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "booleen"
      },
      {
        "group": "Usability",
        "key": "online_application_process",
        "label": "Online Application Process",
        "options": [
          "Poor",
          "Fair",
          "Good",
          "Excellent"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Provider",
        "key": "lender_type",
        "label": "Lender Type",
        "options": [
          "Bank",
          "Building Society",
          "Specialist Lender"
        ],
        "poids": 2,
        "sens": "neutre",
        "type": "enum"
      }
    ],
    "faq": [
      {
        "a": "Based on our latest analysis, HSBC ranks as the top mortgage lender in the UK, followed closely by Nationwide Building Society, considering factors like interest rates, fees, and customer service.",
        "q": "What are the best mortgage lenders in the UK for 2026?"
      },
      {
        "a": "Our comparison evaluates lenders on their interest rates and representative APRs, alongside any associated fees, to help you find the most cost-effective mortgage option.",
        "q": "How do UK mortgage lenders compare on interest rates and fees?"
      },
      {
        "a": "We assess customer service ratings to identify lenders that provide excellent support throughout the mortgage application and management process.",
        "q": "Which UK mortgage lenders offer the best customer service?"
      },
      {
        "a": "Our rankings are neutral and not influenced by payments from lenders; each data point is sourced to provide an objective overview of mortgage providers.",
        "q": "Where can I find unbiased mortgage lender rankings in the UK?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 3803,
    "neutral": false,
    "path": [
      "finance",
      "mortgages",
      "mortgage-lenders"
    ],
    "price_key": "fees",
    "profile_questions": [
      {
        "options": [
          "Primary residence",
          "Buy-to-let",
          "Second home"
        ],
        "q": "Type of property?"
      },
      {
        "options": [
          "High LTV (90%+)",
          "Medium LTV (75%-90%)",
          "Low LTV (<75%)"
        ],
        "q": "Loan to Value (LTV)?"
      },
      {
        "options": [
          "Fixed Rate",
          "Variable Rate",
          "Tracker Rate"
        ],
        "q": "Mortgage type?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "Best mortgage rates UK",
      "Remortgaging options UK",
      "First-time buyer mortgages UK",
      "Buy-to-let mortgage lenders UK"
    ],
    "synthese": [
      "This comparison of 11 mortgage lenders across 10 criteria, including interest rate, representative APR, fees, customer service rating, available loan types, and available loan terms, places HSBC first with a score of 91/100, largely due to its perfect scores for flexibility options like early repayment and its online application process. Nationwide Building Society is a close second at 90/100, excelling in the area of fees, while Coventry Building Society emerges as the most affordable option. It is important to note that the data for 4 out of the 11 options is sourced, with the remaining values being estimates that are clearly flagged as such.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Mortgage Lenders in the UK",
    "unranked": false,
    "visual": "logo"
  },
  "country": "GB",
  "freshness": {
    "age_days": 11.8,
    "stale": false,
    "ttl_days": 14
  },
  "items": [
    {
      "badges": [
        "best_overall"
      ],
      "cons": [],
      "description": "A popular lender for mortgages in the UK.",
      "link_url": "https://hsbc.co.uk/",
      "logo_dom": "hsbc.com",
      "logo_url": "https://unavatar.io/hsbc.com?fallback=false",
      "name": "HSBC",
      "pros": [],
      "provider": "HSBC",
      "score": 91.0,
      "source_url": "https://www.finder.com/uk/mortgages",
      "subscores": {
        "customer_service_rating": 93.0,
        "fees": 84.0,
        "flexibility_options": 100.0,
        "interest_rate": 80.0,
        "online_application_process": 100.0,
        "representative_apr": 98.0
      },
      "values": {
        "customer_service_rating": 4.0,
        "fees": 950,
        "flexibility_options": true,
        "interest_rate": 4.4,
        "lender_type": "Bank",
        "loan_terms": [
          "2 years",
          "5 years",
          "20 years",
          "35 years"
        ],
        "loan_types": [
          "Fixed Rate",
          "Variable Rate",
          "Remortgage",
          "Green Mortgage"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Excellent",
        "representative_apr": 5.1
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Nationwide is the UK's largest building society, known for its customer focus.",
      "estimated": true,
      "link_url": "https://www.nationwide.co.uk/",
      "logo_dom": "nationwide.com",
      "logo_url": "https://unavatar.io/nationwide.com?fallback=false",
      "name": "Nationwide Building Society",
      "provider": "Nationwide",
      "score": 90.0,
      "source_url": "https://www.nationwide.co.uk/mortgages/",
      "subscores": {
        "customer_service_rating": 98.0,
        "fees": 94.0,
        "flexibility_options": 100.0,
        "interest_rate": 80.0,
        "online_application_process": 67.0,
        "representative_apr": 100.0
      },
      "values": {
        "customer_service_rating": 4.2,
        "fees": 850,
        "flexibility_options": true,
        "interest_rate": 4.3,
        "lender_type": "Building Society",
        "loan_terms": [
          "2 years",
          "5 years",
          "25 years",
          "35 years"
        ],
        "loan_types": [
          "Fixed Rate",
          "Variable Rate",
          "First-Time Buyer",
          "Shared Equity"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Good",
        "representative_apr": 5.0
      },
      "verified": false
    },
    {
      "badges": [],
      "cons": [],
      "description": "A popular lender for mortgages in the UK.",
      "link_url": "https://santander.co.uk/",
      "logo_dom": "santander.com",
      "logo_url": "https://unavatar.io/santander.com?fallback=false",
      "name": "Santander",
      "pros": [],
      "provider": "Santander",
      "score": 87.0,
      "source_url": "https://www.finder.com/uk/mortgages",
      "subscores": {
        "customer_service_rating": 91.0,
        "fees": 89.0,
        "flexibility_options": 100.0,
        "interest_rate": 80.0,
        "online_application_process": 67.0,
        "representative_apr": 98.0
      },
      "values": {
        "customer_service_rating": 3.9,
        "fees": 900,
        "flexibility_options": true,
        "interest_rate": 4.4,
        "lender_type": "Bank",
        "loan_terms": [
          "2 years",
          "5 years",
          "15 years",
          "30 years"
        ],
        "loan_types": [
          "Fixed Rate",
          "Variable Rate",
          "Remortgage",
          "Offset Mortgage"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Good",
        "representative_apr": 5.1
      },
      "verified": true
    },
    {
      "badges": [
        "cheapest",
        "best_value"
      ],
      "cons": [],
      "description": "Offers a five-year fixed remortgage deal.",
      "estimated": true,
      "link_url": "https://coventrybuildingsociety.co.uk/",
      "logo_dom": "coventry.com",
      "logo_url": "https://unavatar.io/coventry.com?fallback=false",
      "name": "Coventry Building Society",
      "pros": [],
      "provider": "Coventry Building Society",
      "score": 87.0,
      "source_url": "https://moneyfactscompare.co.uk/mortgages/",
      "subscores": {
        "customer_service_rating": 100.0,
        "fees": 100.0,
        "flexibility_options": 100.0,
        "interest_rate": 80.0,
        "online_application_process": 33.0,
        "representative_apr": 100.0
      },
      "values": {
        "customer_service_rating": 4.3,
        "fees": 800,
        "flexibility_options": true,
        "interest_rate": 4.3,
        "lender_type": "Building Society",
        "loan_terms": [
          "Five-year fixed"
        ],
        "loan_types": [
          "Remortgage"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Fair",
        "representative_apr": 5.0
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Accord Mortgages, part of Yorkshire Building Society Group, offers a wide range of mortgage products.",
      "estimated": true,
      "link_url": "https://www.accordmortgages.com/",
      "logo_dom": "accord.com",
      "logo_url": "https://unavatar.io/accord.com?fallback=false",
      "name": "Accord Mortgages",
      "provider": "Accord Mortgages",
      "score": 85.0,
      "source_url": "https://www.accordmortgages.com/",
      "subscores": {
        "customer_service_rating": 93.0,
        "fees": 94.0,
        "flexibility_options": 100.0,
        "interest_rate": 80.0,
        "online_application_process": 33.0,
        "representative_apr": 100.0
      },
      "values": {
        "customer_service_rating": 4.0,
        "fees": 850,
        "flexibility_options": true,
        "interest_rate": 4.3,
        "lender_type": "Building Society",
        "loan_terms": [
          "2 years",
          "5 years",
          "10 years",
          "25 years"
        ],
        "loan_types": [
          "Fixed Rate",
          "Variable Rate",
          "Remortgage",
          "Help to Buy"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Fair",
        "representative_apr": 5.0
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Skipton Building Society provides a range of mortgage products, including specialist options.",
      "estimated": true,
      "link_url": "https://www.skipton.co.uk/",
      "logo_dom": "skipton.com",
      "logo_url": "https://unavatar.io/skipton.com?fallback=false",
      "name": "Skipton Building Society",
      "provider": "Skipton Building Society",
      "score": 83.0,
      "source_url": "https://www.skipton.co.uk/mortgages/",
      "subscores": {
        "customer_service_rating": 95.0,
        "fees": 84.0,
        "flexibility_options": 100.0,
        "interest_rate": 80.0,
        "online_application_process": 33.0,
        "representative_apr": 98.0
      },
      "values": {
        "customer_service_rating": 4.1,
        "fees": 950,
        "flexibility_options": true,
        "interest_rate": 4.4,
        "lender_type": "Building Society",
        "loan_terms": [
          "2 years",
          "5 years",
          "25 years"
        ],
        "loan_types": [
          "Fixed Rate",
          "Variable Rate",
          "Buy-to-Let",
          "Self-Build"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Fair",
        "representative_apr": 5.1
      },
      "verified": false
    },
    {
      "badges": [],
      "cons": [],
      "description": "A popular lender for mortgages in the UK.",
      "link_url": "https://halifax.co.uk/",
      "logo_dom": "halifax.com",
      "logo_url": "https://unavatar.io/halifax.com?fallback=false",
      "name": "Halifax",
      "pros": [],
      "provider": "Halifax",
      "score": 81.0,
      "source_url": "https://www.finder.com/uk/mortgages",
      "subscores": {
        "customer_service_rating": 88.0,
        "fees": 80.0,
        "flexibility_options": 100.0,
        "interest_rate": 60.0,
        "online_application_process": 67.0,
        "representative_apr": 96.0
      },
      "values": {
        "customer_service_rating": 3.8,
        "fees": 1000,
        "flexibility_options": true,
        "interest_rate": 4.5,
        "lender_type": "Bank",
        "loan_terms": [
          "2 years",
          "5 years",
          "10 years",
          "25 years",
          "35 years"
        ],
        "loan_types": [
          "Fixed Rate",
          "Variable Rate",
          "First-Time Buyer",
          "Remortgage"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Good",
        "representative_apr": 5.2
      },
      "verified": true
    },
    {
      "badges": [],
      "cons": [],
      "description": "A popular lender for mortgages in the UK.",
      "link_url": "https://natwest.co.uk/",
      "logo_dom": "natwest.com",
      "logo_url": "https://unavatar.io/natwest.com?fallback=false",
      "name": "NatWest",
      "pros": [],
      "provider": "NatWest",
      "score": 79.0,
      "source_url": "https://www.finder.com/uk/mortgages",
      "subscores": {
        "customer_service_rating": 86.0,
        "fees": 73.0,
        "flexibility_options": 100.0,
        "interest_rate": 60.0,
        "online_application_process": 67.0,
        "representative_apr": 96.0
      },
      "values": {
        "customer_service_rating": 3.7,
        "fees": 1100,
        "flexibility_options": true,
        "interest_rate": 4.5,
        "lender_type": "Bank",
        "loan_terms": [
          "2 years",
          "5 years",
          "10 years",
          "25 years",
          "30 years"
        ],
        "loan_types": [
          "Fixed Rate",
          "Tracker Rate",
          "First-Time Buyer",
          "Home Mover"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Good",
        "representative_apr": 5.2
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Barclays is one of the UK's largest financial institutions, providing diverse mortgage solutions.",
      "estimated": true,
      "link_url": "https://www.barclays.co.uk/",
      "logo_dom": "barclays.com",
      "logo_url": "https://unavatar.io/barclays.com?fallback=false",
      "name": "Barclays",
      "provider": "Barclays",
      "score": 74.0,
      "source_url": "https://www.barclays.co.uk/mortgages/",
      "subscores": {
        "customer_service_rating": 91.0,
        "fees": 67.0,
        "flexibility_options": 100.0,
        "interest_rate": 40.0,
        "online_application_process": 67.0,
        "representative_apr": 94.0
      },
      "values": {
        "customer_service_rating": 3.9,
        "fees": 1200,
        "flexibility_options": true,
        "interest_rate": 4.6,
        "lender_type": "Bank",
        "loan_terms": [
          "2 years",
          "5 years",
          "15 years",
          "30 years"
        ],
        "loan_types": [
          "Fixed Rate",
          "Tracker Rate",
          "Buy-to-Let",
          "New Build"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Good",
        "representative_apr": 5.3
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "The Mortgage Works is a specialist lender, part of the Nationwide Group, focusing on buy-to-let mortgages.",
      "estimated": true,
      "link_url": "https://www.themortgageworks.co.uk/",
      "logo_dom": "the.com",
      "logo_url": "https://unavatar.io/the.com?fallback=false",
      "name": "The Mortgage Works (TMW)",
      "provider": "The Mortgage Works",
      "score": 44.0,
      "source_url": "https://www.themortgageworks.co.uk/",
      "subscores": {
        "customer_service_rating": 81.0,
        "fees": 53.0,
        "flexibility_options": 0.0,
        "interest_rate": 0.0,
        "online_application_process": 33.0,
        "representative_apr": 91.0
      },
      "values": {
        "customer_service_rating": 3.5,
        "fees": 1500,
        "flexibility_options": false,
        "interest_rate": 4.8,
        "lender_type": "Specialist Lender",
        "loan_terms": [
          "2 years",
          "5 years",
          "10 years",
          "15 years"
        ],
        "loan_types": [
          "Fixed Rate",
          "Variable Rate",
          "Buy-to-Let",
          "Portfolio Landlord"
        ],
        "mortgage_advisor_support": true,
        "online_application_process": "Fair",
        "representative_apr": 5.5
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://coventry.co.uk/",
      "name": "Coventry BS",
      "score": 0.0,
      "subscores": {},
      "values": {
        "customer_service_rating": null,
        "fees": null,
        "flexibility_options": null,
        "interest_rate": null,
        "lender_type": "Building Society",
        "loan_terms": null,
        "loan_types": null,
        "mortgage_advisor_support": null,
        "online_application_process": null,
        "representative_apr": null
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/GB/best-mortgage-lenders-uk.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best mortgage lenders UK",
  "source": "CompareFairly",
  "title": "Best Mortgage Lenders in the UK",
  "unranked": false,
  "url": "https://comparefairly.com/en/GB/best-mortgage-lenders-uk"
}