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Top 10 Best UK Banks for Mortgages

When it comes to buying a home, finding the right mortgage is crucial. And with so many banks vying for your business, it can be overwhelming to know which ones are truly the best. But fear not! We’ve done the research for you and compiled a list of the top 10 best UK banks for mortgages.

Whether you’re a first-time buyer or looking to remortgage, these banks have got you covered with competitive rates, excellent customer service, and a commitment to helping you achieve your homeownership dreams. So, let’s dive in and explore what makes these banks stand out from the rest!

Top 10 Best UK Banks for Mortgages

1. Nationwide Building Society

Nationwide Building Society - Best UK Banks for Mortgages

Nationwide Building Society is like the superhero of reliability and customer satisfaction in the mortgage world. With fixed rates that could make even your morning coffee jealous, starting from an incredible 3.34%, Nationwide is the sidekick you didn’t know you needed for a secure and predictably awesome mortgage journey.

But wait, there’s more! Nationwide is not just in the business of mortgages; they’re on a mission to empower homeownership like a real-life fairy godmother. How, you ask? Well, they’re waving their magic wand and offering up to £20,000 in cashback. Yes, you read that right – actual cash in your pocket.

It’s like Nationwide is saying, “Thanks for choosing us for your home-buying adventure; here’s a little something to make it rain happiness along with the paperwork.” Now, that’s what I call a rewarding mortgage experience!

Website: www.nationwide.co.uk

Contact: 0330 173 94 47

2. Skipton Building Society

Skipton Building Society

Skipton Building Society is also like the superhero of mortgages, swooping in with fixed-rate options starting at a jaw-dropping 3.39%. It’s like they’re saying, “Hey, we’ve got your back, and we’re making mortgages cool again.”

But hold on to your hats because it gets better. These mortgage maestros aren’t just about low rates; they’re throwing in a free valuation like it’s confetti at a party. Yep, you heard it right – a complimentary valuation because who doesn’t love a little extra freebie when diving into the world of homeownership?

Skipton’s got this whole transparency thing down to an art. With rates that won’t make you break into a cold sweat, starting at 3.39%, you can dance your way through mortgage payments knowing exactly what you signed up for.

And that free valuation? It’s like the cherry on top of an already fantastic mortgage sundae, proving that Skipton Building Society isn’t just a mortgage lender; they’re your mortgage BFF, making the journey to homeownership a little more fun and a lot less stressful.

Website: https://www.skipton.co.uk/

Contact: 0345 850 1711

3. Yorkshire Building Society

Yorkshire Building Society

With Yorkshire Building Society, it’s not just about mortgages; it’s about turning your home-buying journey into a blockbuster comedy. Picture this: fixed-rate mortgages start at a jaw-dropping 3.44%, so your monthly payments are more consistent than your morning coffee order.

No more riding the rollercoaster of unpredictable interest rates—say hello to stability, courtesy of Yorkshire Building Society’s rates that are as competitive as your office ping pong tournaments.

But wait, there’s more! As a thank-you gift for joining the Yorkshire Building Society fan club, you could pocket up to £1,000 in cold, hard cash. That’s right, cashback! It’s like finding money in your winter coat pocket, but it’s better.

Whether you want to cover those initial expenses or splurge on a golden toilet seat (because why not?), Yorkshire Building Society is here to make your home-buying experience so delightful you’ll be giving it a standing ovation.

Website: www.ybs.co.uk

Contact: 0345 166 9510

4. Halifax Bank

Halifax Bank mortgage

Halifax takes the spotlight with rates so fixed they make a statue look wobbly – starting at a jaw-dropping 3.49%! Whether you’re in the market for a Halifax mortgage or a loan, these rates are like the financial equivalent of a dependable GPS in the wild twists and turns of the money jungle. It’s like having a steadfast financial sidekick that says, “I got you, boo!”

But wait, there’s more! Halifax throws in free legal fees like it’s confetti at a party. Yep, you heard it right – no need to break the bank with legal costs. Thanks to Halifax, you can waltz through financial transactions without doing the budgeting math on hidden fees. It’s like having a financial fairy godmother saying, “Abracadabra, no surprises for you!”

So, buckle up and enjoy the ride with Halifax – where your rates are more fixed than a stubborn jar of pickles, and your financial journey comes with a side of no-strings-attached legal perks.

Website: https://www.halifax.co.uk/

Contact: 0345 720 3040

5. Barclays Bank

Barclays Bank Mortgage

Barclays is like the superhero of home financing, swooping in with fixed rates as low as 3.54%—making even your piggy bank do a happy dance! Imagine the joy of consistent monthly payments, like having a reliable sidekick in the unpredictable world of bills.

Whether you’re a first-time homebuyer or just want to give your mortgage a makeover, Barclays has got your back with tailored solutions. They’re basically the personal stylist of home loans, making sure they fit your financial wardrobe just right.

And because Barclays loves making dreams come true, they’re throwing in a little extra magic—£250 cashback! Yes, you read that right. It’s like finding money in your pocket when you least expect it.

Website: www.barclays.co.uk

Contact: 0333 202 7580

6. HSBC Bank

HSBC Bank Mortgage

HSBC, our financial superhero in a world of chaos, offers fixed rates as low as 3.59%—making other banks jealous of its stability. Picture this, HSBC mortgage as the wise, old wizard of the financial realm, waving its wand of transparency and reliability, allowing you to plan your financial future with the confidence of a superhero saving the day.

But wait, there’s more! HSBC doesn’t just stop at being a financial fortress; it’s like the superhero that throws in a free cape with every mortgage – in this case, free mortgage protection insurance. Now, not only is your investment safe, but your loved ones are shielded from unforeseen villains, too. HSBC doesn’t just do transactions; it’s your financial superhero, providing comprehensive solutions and ensuring your financial security with the determination of a caped crusader.

Choosing HSBC means selecting a financial partner who not only knows your dreams but also understands the importance of having a stable home base. The fixed rates starting from 3.59% aren’t just numbers; they’re the battle cry of HSBC, shouting, “Affordability for all!” At HSBC, we believe in making homeownership a reality for everyone, with quality service that’s as reliable as your favorite superhero.

Website: www.hsbc.co.uk

Contact: 03457 404 404

7. Lloyds Bank

Lloyds Bank Mortgage

In the dazzling world of banking, there’s Lloyds Bank, strutting onto the stage like a financial rockstar, ready to serenade you with offers that’ll make your money dance. Lloyds Bank isn’t just a bank; it’s your financial BFF, here to redefine the game and make your wallet do the cha-cha.

Picture this: Lloyds Bank, the superhero of stability, swoops in with fixed rates starting at an eye-catching 3.64%. It’s like having a financial sidekick that screams, “I’ve got your back, no matter what crazy plot twists the economy throws our way!” Because in the ever-evolving financial saga, a little predictability goes a long way, and Lloyds Bank is your trusty sidekick in this blockbuster.

But wait, there’s more! Opening a current account with Lloyds Bank isn’t just a financial move; it’s a ticket to the money rollercoaster, and they’re handing you an exclusive £500 cashback as you hop on board.

Website: www.lloydsbank.com

Contact: 0345 122 1337

8. Santander Bank

Santander Bank Mortgage

Embark on a financial adventure with Santander, where fixed rates starting at 3.69% are like the superhero capes of stability in the lending universe. Picture us as the cool sidekick, watching from the sidelines, totally getting how crucial a solid financial foundation is. And voila! Santander swoops in as the superhero of reliability in the wild world of loans.

Santander isn’t just a lending wizard; it’s the Gandalf of fixed rates, starting at a jaw-dropping 3.69%. It’s like having a wise wizard guide you through the ups and downs of financial Middle-earth, ensuring your interest rates stay as steady as Frodo on his quest. Whether you’re eyeing a new hobbit hole, a shiny new chariot, or any other epic investment, Santander’s fixed rates are the sturdy bridge to your financial Mordor.

But wait, there’s more! Santander doesn’t stop at being the superhero of stability; it throws in free life insurance because why not? It’s like getting a bonus power-up in your financial video game. With this perk, you and your clan can rest easy, knowing that in unforeseen plot twists, Santander’s got your back – a real-life financial guardian angel, if you will.

Website: www.santander.co.uk

Contact: 0800 068 6064

9. NatWest Bank

NatWest Bank Mortgage

Step into the thrilling world of NatWest mortgages, where stability and security become the superheroes we all need. NatWest is the cape-wearing champion here, flaunting fixed rates starting as low as 3.74% – because who needs market uncertainties when you can have a financial fortress?

In a world of interest-rate rollercoasters, NatWest is the ride that keeps you steady with fixed rates. Whether you’re a first-time buyer or a remortgaging pro, NatWest’s got your back with rates that won’t leave your wallet crying for mercy.

But wait, there’s more! NatWest is feeling extra generous, throwing in a £250 cashback for those savvy homeowners opting to remortgage. Why settle for just a stable mortgage rate when you can also get a little extra cha-ching for your financial dance? It’s not just a mortgage deal; it’s your ticket to stability with a side of cash confetti – courtesy of NatWest.

Website: www.natwest.com

Contact: 0345 302 0190

10. Virgin Money

Virgin Money

In the ever-spinning carousel of financial options, Virgin Money swoops in like a caped crusader, offering fixed rates that start from a jaw-dropping 3.79%. It’s like they’re saying, “Hey, unpredictability, take a backseat; we’re here for a stable and fabulous financial joyride!”

For the savvy individuals out there looking to lock in their financial future with a fixed-rate mortgage, Virgin Money is the superhero of the market. Starting at 3.79%, their rates are so steady you’d think they were trained in yoga – unshakeable and reliable.

But wait, there’s more! Virgin Money throws in a sprinkle of fairy dust by offering up to £1,500 in cashback. It’s like they’re saying, “Here’s some extra moolah because why not?” So, not only is choosing Virgin Money a smart financial move, but it’s also your ticket to a cash-filled, fixed-rate wonderland.

Website: https://uk.virginmoney.com/

Contact: 0345 608 1604


Choosing the right bank for your mortgage is a crucial decision that can have a significant impact on your finances. Thankfully, in the UK, there are several excellent options to consider. We’ve highlighted the top 10 best UK banks for mortgages based on their reputation, customer service, competitive rates, and flexible terms.

It’s important to note that while these banks have been recognized as the best for mortgages in the UK market currently, make sure you conduct thorough research before making your final decision. Consider factors such as interest rates offered by each bank along with any additional fees or charges involved.

Remember also to assess your own financial situation carefully before applying for a mortgage loan. Ensure you understand all the terms and conditions associated with each bank’s mortgage products before committing yourself.


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