# Best Mortgage Lenders in the UK _CompareFairly · en/GB · neutral comparison, cited sources, no paid placement_ **Category:** finance › mortgages › mortgage lenders **Our pick**: HSBC (91/100) · **Cheapest**: Coventry Building Society · **Best value**: Coventry Building Society ## Comparison table | Criterion | HSBC | Nationwide Building Society | Santander | Coventry Building Society | Accord Mortgages | Skipton Building Society | | --- | --- | --- | --- | --- | --- | --- | | Interest Rate (%) | 4.4 | 4.3 | 4.4 | 4.3 | 4.3 | 4.4 | | Representative APR (%) | 5.1 | 5 | 5.1 | 5 | 5 | 5.1 | | Fees (GBP) | 950 | 850 | 900 | 800 | 850 | 950 | | Customer Service Rating (/5) | 4 | 4.2 | 3.9 | 4.3 | 4 | 4.1 | | Available Loan Types | - | - | - | - | - | - | | Available Loan Terms | - | - | - | - | - | - | | Flexibility Options (e.g., early repayment) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | | Mortgage Advisor Support | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | | Online Application Process | Excellent | Good | Good | Fair | Fair | Fair | | Lender Type | Bank | Building Society | Bank | Building Society | Building Society | Building Society | ## 1. HSBC A popular lender for mortgages in the UK. _Source (verified): [https://www.finder.com/uk/mortgages](https://www.finder.com/uk/mortgages)_ ## 2. Nationwide Building Society Nationwide is the UK's largest building society, known for its customer focus. _Source (estimate): [https://www.nationwide.co.uk/mortgages/](https://www.nationwide.co.uk/mortgages/)_ ## 3. Santander A popular lender for mortgages in the UK. _Source (verified): [https://www.finder.com/uk/mortgages](https://www.finder.com/uk/mortgages)_ ## 4. Coventry Building Society Offers a five-year fixed remortgage deal. _Source (estimate): [https://moneyfactscompare.co.uk/mortgages/](https://moneyfactscompare.co.uk/mortgages/)_ ## 5. Accord Mortgages Accord Mortgages, part of Yorkshire Building Society Group, offers a wide range of mortgage products. _Source (estimate): [https://www.accordmortgages.com/](https://www.accordmortgages.com/)_ ## 6. Skipton Building Society Skipton Building Society provides a range of mortgage products, including specialist options. _Source (estimate): [https://www.skipton.co.uk/mortgages/](https://www.skipton.co.uk/mortgages/)_ ## 7. Halifax A popular lender for mortgages in the UK. _Source (verified): [https://www.finder.com/uk/mortgages](https://www.finder.com/uk/mortgages)_ ## 8. NatWest A popular lender for mortgages in the UK. _Source (verified): [https://www.finder.com/uk/mortgages](https://www.finder.com/uk/mortgages)_ ## 9. Barclays Barclays is one of the UK's largest financial institutions, providing diverse mortgage solutions. _Source (estimate): [https://www.barclays.co.uk/mortgages/](https://www.barclays.co.uk/mortgages/)_ ## 10. The Mortgage Works (TMW) The Mortgage Works is a specialist lender, part of the Nationwide Group, focusing on buy-to-let mortgages. _Source (estimate): [https://www.themortgageworks.co.uk/](https://www.themortgageworks.co.uk/)_ ## 11. Coventry BS ## In short 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. ## Frequently asked questions **What are the best mortgage lenders in the UK for 2026?** 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. **How do UK mortgage lenders compare on interest rates and fees?** 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. **Which UK mortgage lenders offer the best customer service?** We assess customer service ratings to identify lenders that provide excellent support throughout the mortgage application and management process. **Where can I find unbiased mortgage lender rankings in the UK?** Our rankings are neutral and not influenced by payments from lenders; each data point is sourced to provide an objective overview of mortgage providers. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/GB/best-mortgage-lenders-uk — citation with a link is allowed; bulk extraction/redistribution is prohibited._