List of mortgage companies in the UK

In this brief guide, we are going to provide a list of mortgage companies who serve in the UK.

List of mortgage companies in the UK


AA Mortgages

Accord Mortgages

Ahli United Bank

Al Rayan Bank


Atom Bank

Axis Bank


Bank of China

Bank of Ireland


Bath Building Society

Beverly Building Society


BM Solutions

Brown Shipley Private Bank

Buckinghamshire Building Society



Cambridge Building Society

Chelsea Building Society

Chorley BS


Co-operative Financial Services

Coutts & Co

Coventry Building Society

Credit Suisse


Danske Bank

Darlington Building Society


Digital Mortgages

Dudley Building Society


Earl Shilton Building Society

Ecology Building Society


Family Building Society

First Direct

First Trust Bank

Fleet Mortgages

Foundation Home Loans



Godiva Mortgages





Hanley Economic Building Society

Harpenden Building Society

Harrods Bank

Hinckley & Rugby Building Society

Hodge Lifetime

Holmesdale Building Society



InterBay Commercial

Investec Specialist Bank

Ipswich Building Society


Kensington Mortgages

Kent Reliance

Keystone Property Finance




Leeds Building Society

Leek United Building Society


Loughborough Building Society


M&S Bank


Mansfield Building Society

Market Harborough Building Society

Marsden Building Society

Masthaven Bank

Melton Mowbray Building Society

Metro Bank

Mojo Mortgages

Monmouthshire Building Society

Mortgage Gym

Mortgage Trust


Nationwide Building Society


NatWest International

New Street Mortgages

Newbury Building Society

Newcastle Building Society

Nottingham Building Society


OneSavings Bank


Paragon Mortgages

Penrith Building Society

Pepper Homeloans

Platform Home Loans

Post Office

Precise Mortgages


Progressive Building Society




Royal Bank of Scotland


Saffron Building Society

Sainsbury’s Bank


Scottish Building Society

Scottish Widows Bank

Secure Trust Bank

Shawbrook Bank

Skipton Building society

Skipton International

Stafford Railway Building Society

State Bank of India

Swansea Building Society


Teachers Building Society

Tesco Bank

The Co-operative Bank

The Cumberland

The Mortgage Lender

The Mortgage Works

Tipton & Coseley Building Society

Together Money




UBS Private Bank

Ulster Bank


Vernon Building Society

Vida Homeloans

Virgin Money


West Bromwich Building Society


Yorkshire Bank

Yorkshire Building Society

List of mortgage companies who don’t use mortgage brokers

First Direct

Lloyds Bank


The Co-operative Bank

Yorkshire Bank

Yorkshire Building Society

Use a Government scheme

Government schemes help you reduce the amount of mortgage deposit you may need to put down, reduce the price of the property or create a structure that increases your mortgage affordability much sooner than it would have been.

Some of these include first-time buyer government schemes whilst others in this list are accessible to you even if you are not a first-time buyer.

Government schemes are not available to you if you are getting a buy to let mortgage.

The Government schemes include:

  • Lifetime ISA– gives you a government bonus of £1,000 if you save a maximum £4,000 a year.
  • Help to buy ISA– gives a maximum bonus us £3,000 if you save the maximum allowed of £12,000. Before you get either you should consider which is better. Lifetime ISA vs Help to buy ISA.
  • Help to buy equity loan– gives you up to 40% as a 5-year interest-free equity loan. You begin to pay interest at 1.75 % after the fifth year and 1% plus RPI for every year thereafter.
  • Shared ownership– You can buy between 25% to 75% of the property initially with a shared ownership mortgage and then buy more using a staircasing mortgage.
  • Armed forces help to buy– similar to the help to buy equity loan but specific for the armed forces personnel giving them an increased chance of acceptance.
  • Rent to buy– This is the right to buy scheme on which this guide is currently discussing. A different marketing name is just used. Watch out for this when shopping to avoid missing out on eligible properties due to confusion.
  • Right to buy– allows you to buy your home at a discount price.
  • Preserved right to buy– same as above.
  • Right to acquire– similar to the above.

Depending on where you live, you may also be able to take advantage of home buying schemes provided by your local council. Example: In Norwich, the local councils provide the Norwich home options scheme.

Use a mortgage broker for your mortgage in principle

You may want to use an independent mortgage broker to help you get a mortgage on your new home.

Mortgage brokers are important as they can access mortgage products from across the whole of the market in some cases.

This could be over 11,000 mortgage products. This may have some advantages rather than going directly to a mortgage lender.

A mortgage broker will look to understand your financial circumstances and then provide recommendations on which mortgage products may be suitable for you based on your mortgage affordability.

After giving you these mortgage recommendations, most mortgage brokers will seek your consent to apply for a mortgage in principle

This will allow you to shop for your home as more estate agents and sellers may take you seriously and it will also give you confidence that your mortgage is indeed a possibility before you make a full mortgage application. 

Once you have found a home you want to buy and are satisfied with the mortgage offer for your mortgage then the mortgage broker will then look to get you a mortgage offer.

This will come with a key facts illustration document that details the features of your mortgage including how much you will pay per month.

It will also contain information on if there are any limits such as early repayment fees, or annual overpayment limits.

If you are happy with everything you can then go on to secure your mortgage with the help of a conveyancer.

Your conveyancer will manage the legal searches on the property to ensure there aren’t any issues with it.

They will oversee the sales agreement to ensure it is in your best interest, they will manage the transfer of mortgage funds, exchange contracts with the seller or their conveyancer, and set a completion date with the seller or their conveyancer.

This will then bring an end to the conveyancing process, at which point you will receive the keys to the house and move in.

In this brief guide, we provided a list of mortgage companies who serve in the UK.

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.