{"source":"CiteHawk AI Index","record":"mortgage lenders — 2026-08","url":"https://www.citehawk.com/leaderboards/editions/2026-08/mortgage-lenders/uk","immutable":true,"snapshotId":"e11d8ce1-321b-4b69-b69e-1781c5d75dac","capturedAt":"2026-08-05T04:07:08.181+00:00","contentHash":"a3cdd913e02cbbf19db04c08dc7dd9e9f9f54f57583c7828b01ddf867464f2f7","contentHashSpec":"sha256-v1: hex SHA-256 of the UTF-8 bytes of the compact JSON array (no whitespace, non-ASCII characters unescaped, as JavaScript JSON.stringify emits) of [provider, run, model, text] tuples, one per captured answer, sorted by provider then run","registryRulesHash":null,"registryRulesHashSpec":"sha256-v1: hex SHA-256 of the UTF-8 bytes of the compact JSON object {version, aliases, notInCategory, categoryAllow, serviceSlugRe} where aliases is the array of [foldedKey, canonicalName, pinnedDomain, categoryScope] tuples sorted by key, notInCategory and categoryAllow are arrays of [categorySlug, domains] tuples sorted by slug, and every domain/scope list is itself sorted","region":"uk","prompt":"What are the best mortgage lenders in the United Kingdom? Recommend the top brands or products that people actually use.\n\nAnswer as if the user is in the United Kingdom.","providers":["openai","claude","gemini","perplexity","deepseek","grok","bing_copilot","google_aio"],"models":{"grok":"grok-4.5","claude":"claude-sonnet-5","gemini":"gemini-3.5-flash","openai":"gpt-5.5-2026-04-23","deepseek":"deepseek-v4-flash","google_aio":"google_aio","perplexity":"sonar","bing_copilot":"bing_copilot"},"runsPerProvider":1,"totalCalls":0,"ranking":[{"rank":1,"brand":"Nationwide Building Society","domain":"nationwide.co.uk","score":48.3,"mentions":6,"recommendedBy":["claude","deepseek","gemini","grok","openai","perplexity"],"averagePositionByProvider":{"grok":1,"claude":4,"gemini":1,"openai":1,"deepseek":2,"perplexity":2}},{"rank":2,"brand":"Barclays","domain":"barclays.co.uk","score":43.4,"mentions":6,"recommendedBy":["claude","deepseek","gemini","grok","openai","perplexity"],"averagePositionByProvider":{"grok":4,"claude":9,"gemini":3,"openai":4,"deepseek":3,"perplexity":4}},{"rank":3,"brand":"HSBC","domain":"hsbc.co.uk","score":42.7,"mentions":6,"recommendedBy":["claude","deepseek","gemini","grok","openai","perplexity"],"averagePositionByProvider":{"grok":5,"claude":10,"gemini":3,"openai":5,"deepseek":6,"perplexity":6}},{"rank":4,"brand":"Halifax","domain":"halifax.co.uk","score":41.7,"mentions":5,"recommendedBy":["claude","deepseek","gemini","openai","perplexity"],"averagePositionByProvider":{"claude":3,"gemini":2,"openai":2,"deepseek":1,"perplexity":1}},{"rank":5,"brand":"NatWest","domain":"natwest.com","score":36.5,"mentions":5,"recommendedBy":["claude","deepseek","grok","openai","perplexity"],"averagePositionByProvider":{"grok":3,"claude":11,"openai":3,"deepseek":4,"perplexity":3}},{"rank":6,"brand":"Santander","domain":"santander.co.uk","score":36.2,"mentions":5,"recommendedBy":["claude","deepseek","grok","openai","perplexity"],"averagePositionByProvider":{"grok":6,"claude":5,"openai":6,"deepseek":5,"perplexity":5}},{"rank":7,"brand":"Lloyds Banking Group","domain":"lloydsbankinggroup.com","score":29,"mentions":3,"recommendedBy":["claude","gemini","grok"],"averagePositionByProvider":{"grok":2,"claude":1,"gemini":2}},{"rank":8,"brand":"Coventry Building Society","domain":"thecoventry.co.uk","score":28.9,"mentions":4,"recommendedBy":["deepseek","gemini","grok","perplexity"],"averagePositionByProvider":{"grok":8,"gemini":5,"deepseek":7,"perplexity":7}},{"rank":9,"brand":"Yorkshire Building Society","domain":"ybs.co.uk","score":28.8,"mentions":4,"recommendedBy":["deepseek","gemini","grok","openai"],"averagePositionByProvider":{"grok":7,"gemini":5,"openai":7,"deepseek":10}},{"rank":10,"brand":"Skipton Building Society","domain":"skipton.co.uk","score":28.7,"mentions":4,"recommendedBy":["deepseek","gemini","grok","openai"],"averagePositionByProvider":{"grok":9,"gemini":5,"openai":8,"deepseek":8}},{"rank":11,"brand":"Habito","domain":"habito.com","score":27.9,"mentions":4,"recommendedBy":["claude","deepseek","gemini","grok"],"averagePositionByProvider":{"grok":15,"claude":12,"gemini":6,"deepseek":16}},{"rank":12,"brand":"L&C","domain":"landc.co.uk","score":21.3,"mentions":3,"recommendedBy":["deepseek","gemini","grok"],"averagePositionByProvider":{"grok":14,"gemini":6,"deepseek":15}},{"rank":13,"brand":"First Direct","domain":"firstdirect.com","score":16.7,"mentions":2,"recommendedBy":["gemini","openai"],"averagePositionByProvider":{"gemini":4,"openai":5}},{"rank":14,"brand":"Leeds Building Society","domain":"leedsbuildingsociety.co.uk","score":15.4,"mentions":2,"recommendedBy":["claude","deepseek"],"averagePositionByProvider":{"claude":6,"deepseek":9}},{"rank":15,"brand":"Atom Bank","domain":"atombank.co.uk","score":15.2,"mentions":2,"recommendedBy":["deepseek","gemini"],"averagePositionByProvider":{"gemini":5,"deepseek":11}},{"rank":16,"brand":"Kensington","domain":"kensingtonmortgages.co.uk","score":14.9,"mentions":2,"recommendedBy":["openai","perplexity"],"averagePositionByProvider":{"openai":10,"perplexity":9}},{"rank":17,"brand":"Pepper Money","domain":"pepper.money","score":14.6,"mentions":2,"recommendedBy":["deepseek","openai"],"averagePositionByProvider":{"openai":10,"deepseek":14}},{"rank":18,"brand":"Shawbrook","domain":"shawbrook.co.uk","score":14.6,"mentions":2,"recommendedBy":["claude","openai"],"averagePositionByProvider":{"claude":15,"openai":10}},{"rank":19,"brand":"Paragon Bank","domain":"paragonbank.co.uk","score":14.3,"mentions":2,"recommendedBy":["claude","deepseek"],"averagePositionByProvider":{"claude":19,"deepseek":12}}],"answers":[{"provider":"bing_copilot","run":1,"model":"bing_copilot","capturedAt":"2026-08-05T04:07:08.356Z","text":"Nationwide Building Society is widely regarded as the top mortgage lender in the UK, with other strong options including Skipton, Accord Mortgages, Barclays, and specialist lenders such as Kensington for bad credit.\n\nTop Lenders for General Borrowers\n\nNationwide Building Society stands out for its high customer satisfaction, clarity of statements, and competitive mortgage rates across multiple loan types. It is particularly suitable for first-time buyers thanks to their \"Helping Hand\" mortgages and options up to 6 times income 2 .\nSkipton Building Society offers flexibility for self-employed borrowers and strong online access, with competitive fixed-rate deals and support for up to 95% loan-to-value mortgages 1 .\nAccord Mortgages (the intermediary arm of Yorkshire Building Society) is ideal for buy-to-let investors and offers tailored underwriting and low rates for rental property purchases 2 .\nBarclays Mortgage and Lloyds Bank are strong choices for wider customer service, online functionality, and access to multiple mortgage products; these banks also provide consistent interest rates for a variety of borrowers 2 .\n\nLenders for Specific Needs\n\nFirst-Time Buyers: Nationwide is the leader, with features such as cashback options and lower deposit requirements 1 . Halifax, Santander, NatWest, and Accord also offer low-deposit mortgages (typically 5% for standard properties) suitable for first-time purchasers 1 .\nSelf-Employed Borrowers: Skipton Building Society and Aldermore Bank cater specifically to self-employed clients, considering various income types including sole traders, contractors, and limited company directors, with flexible lending multiples (up to 6x income) 2 .\nBad Credit or Subprime Borrowers: Kensington Mortgages is a recommended specialist lender, offering products for those with impaired credit histories, including 40-year fixed-rate deals and professional-based income multiples 1 . Accord and Coventry Building Society serve medium-adverse credit profiles.\nHigh Income Multiples: Nationwide and Barclays can accommodate higher multiples (up to 6x income in some circumstances), helping borrowers maximize their mortgage capacity 1 .\nEthical or Green Mortgages: Ecology Building Society, The Co-operative Bank, and Coventry Building Society provide ethical lending options, rewarding energy-efficient or sustainable home purchases 1 .\n\nAdditional Considerations\n\nVariable/Bonus Income: Lenders like HSBC, NatWest, Nationwide, and Halifax can consider 100% of eligible bonuses, overtime, or commission when assessing affordability 1 .\nForeign Nationals: Halifax, Barclays, Nationwide, and NatWest are among the lenders that provide mortgages for non-permanent UK residents, though minimum residency requirements may apply 1 .\nUsing a Broker: Mortgage brokers like Habito or Tembo can access a wider range of deals, including exclusive products not directly available from lenders, and assist with complex applications, especially for self-employed or non-standard borrowers 1 .\n\nIn summary, Nationwide Building Society is consistently rated the top lender for UK consumers, while Skipton, Accord, Barclays, and specialist lenders fill specific niches depending on credit, income type, and mortgage purpose. Borrowers should assess their individual circumstances, desired mortgage features, and consider advice from a broker to find the best match for their needs Which?+2 .","extractedBrands":[]},{"provider":"claude","run":1,"model":"claude-sonnet-5","capturedAt":"2026-08-05T04:07:08.356Z","text":"## Best Mortgage Lenders in the UK\n\nHere's a practical breakdown of the lenders and brokers people actually use, based on market share, customer satisfaction, and specialism.\n\n### The Big Names (Largest Market Share)\n\n**Lloyds Banking Group (Lloyds Bank & Halifax)** is the giant of UK mortgages. According to data from UK Finance, the largest mortgage lender in 2024 was Lloyds Banking Group, which includes Lloyds Bank and Halifax. These are household names most first-time buyers will encounter, often through their existing bank or a broker.\n\n**Nationwide Building Society** is the UK's largest building society and consistently rates highly. Customers gave the UK's largest building society five stars out of five for clarity of mortgage statements and online access, and Nationwide Building Society consistently offered competitive mortgage rates for a wide range of borrowers.\n\n**Santander** is currently very competitive on rates and popular with first-time buyers. Santander Bank has been among lenders offering market leading deals in recent weeks, with a mortgage approval time that's also fast at an average of just 8 days during the past three months. It's also known for high loan-to-value lending — its main appeal lies in an aggressive approach to high LTV lending, making it one of the best mortgage lenders for first-time buyers, particularly for those who find saving for a 5% or 10% deposit near-impossible.\n\n### Customer Satisfaction Standouts\n\nAccording to Which?'s independent survey work: they compared 21 mortgage lenders, examining their rates and analysing feedback from their customers, and only three lenders got a customer score below 70% (Leeds Building Society, Royal Bank of Scotland and Bank of Ireland) — showing generally high levels of customer satisfaction in this market. This suggests most mainstream lenders (Nationwide, Halifax, Santander, Barclays, HSBC, NatWest, etc.) perform reasonably well.\n\n### How People Actually Find & Compare Deals: Brokers\n\nMost Brits don't just walk into their bank — they use a **whole-of-market broker** to compare deals across all lenders. Two names dominate the \"digital broker\" space:\n\n- **Habito** – a digital mortgage broker known for top notch service with a quick and easy application process, which was acquired by neo bank Monzo in April 2026.\n- **Better.co.uk** – set up in 2015 to offer a \"hassle-free\" and convenient approach to getting a mortgage online, with an easy-to-use online form (around 15 minutes) that helps customers quickly find the deals right for them, and it's a fee-free, whole-of-market broker. It also has strong reviews: a Trustpilot rating of 4.8 out of 5 based on more than 10,000 reviews, with 91% of reviewers giving it 5 stars.\n\nUsing a broker (rather than going direct) is worth it for most people because it can save time and legwork in finding the right deal, since brokers can access a broad range of lenders using software to identify the most suitable products, and have market expertise to help based on your circumstances.\n\n### Specialist Situations\n\nIf you don't fit the standard mould, the \"best\" lender changes:\n- **Self-employed, guarantor mortgages, or credit issues**: some lenders are more willing to give mortgages to self-employed homebuyers, while others specialise in guarantor mortgages or solutions for people with credit issues — a broker is essential here to find the right niche lender.\n- **Complex/adverse cases or buy-to-let**: For property finance more broadly, Shawbrook, Together and United Trust Bank stand out for breadth and appetite, with LendInvest leading on speed and bridging, Together for complex or adverse cases, and Paragon for portfolio buy-","extractedBrands":[{"name":"Lloyds Banking Group","domain":"lloydsbankinggroup.com","position":1},{"name":"Lloyds Bank","domain":"lloydsbank.com","position":2},{"name":"Halifax","domain":"halifax.co.uk","position":3},{"name":"Nationwide Building Society","domain":"nationwide.co.uk","position":4},{"name":"Santander","domain":"santander.co.uk","position":5},{"name":"Leeds Building Society","domain":"leedsbuildingsociety.co.uk","position":6},{"name":"Royal Bank of Scotland","domain":"rbs.co.uk","position":7},{"name":"Bank of Ireland","domain":"bankofireland.com","position":8},{"name":"Barclays","domain":"barclays.co.uk","position":9},{"name":"HSBC","domain":"hsbc.co.uk","position":10},{"name":"NatWest","domain":"natwest.com","position":11},{"name":"Habito","domain":"habito.com","position":12},{"name":"Monzo","domain":"monzo.com","position":13},{"name":"Better.co.uk","domain":"better.co.uk","position":14},{"name":"Shawbrook","domain":"shawbrook.co.uk","position":15},{"name":"Together","domain":"togethermoney.com","position":16},{"name":"United Trust Bank","domain":"utbank.co.uk","position":17},{"name":"LendInvest","domain":"lendinvest.com","position":18},{"name":"Paragon","domain":"paragonbank.co.uk","position":19}]},{"provider":"deepseek","run":1,"model":"deepseek-v4-flash","capturedAt":"2026-08-05T04:07:08.356Z","text":"In the UK, there’s no single “best” mortgage lender because the right one depends on your deposit size, income type, credit history, whether you’re a first-time buyer, remortgaging, or buying a questionable leasehold flat. But these are the names people actually use, and they consistently rank among the best for rates, service, and stability.\n\n## 🏆 The big high-street lenders (most used in the UK)\n\nThese have the largest mortgage books and are familiar to most brokers:\n\n- **Halifax** – One of the UK’s biggest lenders. Good online mortgage app, competitive fixed rates, and flexible overpayments. Especially popular with existing Lloyds Banking Group customers.\n- **Nationwide Building Society** – Often voted best for customer service. Very good for first-time buyers, and its “Helping Hand” product allows slightly higher borrowing for eligible buyers. Also allows overpayments up to 10% per year without penalty.\n- **Barclays** – Competitive rates, excellent digital experience, and offers a “mobile mortgage manager” if you bank with them. Good for self-employed applicants with less “standard” income.\n- **NatWest** – Big, reliable, and often among the most competitive on high-street fixed deals. Also good for existing customers with easy switching.\n- **Santander** – Strong fixed-rate deals, plus useful incentives like cashback or free valuations. Also does niche products like family offset mortgages.\n- **HSBC** – Often has some of the lowest headline rates, but you usually need to bank with them or be an existing customer to apply directly. First-time buyer–friendly, but criteria can be strict.\n\n## 🏦 Building societies that people love (not just banks)\n\nBuilding societies are customer-owned and often have more flexible criteria.\n\n- **Coventry Building Society** – Consistently appears on best-buy tables. Great rates, decent service, and no silly fees. Very popular with brokers.\n- **Skipton Building Society** – Known for helpful first-time buyer products, including high loan-to-value (LTV) mortgages with family or guarantor support.\n- **Leeds Building Society** – Strong for people with smaller deposits, plus flexible lending for contractors and self-employed buyers.\n- **Yorkshire Building Society** – Also a solid choice, especially for buy-to-let and over-55 mortgages.\n\n## 📱 App-based / online-first lenders\n\nIf you’re comfortable applying digitally and want a smooth process:\n\n- **Atom Bank** – Currently one of the cheapest on the market for fixed-rate remortgages and purchases. App-only, but highly rated.\n- **Paragon Bank** – Good for buy-to-let, complex income, and specialist cases.\n- **Vida Homeloans / Pepper Money** – Not mainstream, but useful if you’re self-employed, on a temporary contract, or have credit blips. Most people access these via a broker.\n\n## 🔎 What to actually look for\n\nDon’t just pick a famous brand. Compare:\n\n- **Interest rate** – fixed vs. variable vs. tracker.\n- **Product fee** – sometimes £0, sometimes £999+.\n- **Freebies** – cashback, free valuation, free legal work.\n- **Overpayment limits** – usually 10% per year is standard.\n- **Early repayment charge (ERC)** – if you think you might move or refinance early.\n- **Lender criteria** – e.g. some are strict on new-build flats, ex-local authority properties, or minimum income.\n\n## 🧠 Practical advice for UK buyers\n\n- **Use a whole-of-market broker** like **London & Country (L&C), Habito, or a local independent broker**. They can access deals from providers you’ve never heard of that may be cheaper than any high street name.\n- **Check if your current bank offers a “loyalty” mortgage deal** – sometimes existing customers get exclusive rates and no fee.\n- **A mortgage is not just about the rate.** The cheapest deal might have huge fees or be impossible to port to your next house.\n\n---\n\n### Bottom line\nIf you want names people actually use, start with **Halifax, Nationwide, NatWest, Barclays, Santander, and HSBC**. If you want a lender that’s consistently strong on service and rates, add **Coventry and Skipton**. And if you want the cheapest deal right now, don’t choose a lender first—choose an independent broker and let them compare the whole market for you.\n\n*Remember: mortgages are secured against your home. If you don’t keep up repayments, you could lose your home. This is general guidance, not financial advice.*","extractedBrands":[{"name":"Halifax","domain":"halifax.co.uk","position":1},{"name":"Nationwide Building Society","domain":"nationwide.co.uk","position":2},{"name":"Barclays","domain":"barclays.co.uk","position":3},{"name":"NatWest","domain":"natwest.com","position":4},{"name":"Santander","domain":"santander.co.uk","position":5},{"name":"HSBC","domain":"hsbc.co.uk","position":6},{"name":"Coventry Building Society","domain":"thecoventry.co.uk","position":7},{"name":"Skipton Building Society","domain":"skipton.co.uk","position":8},{"name":"Leeds Building Society","domain":"leedsbuildingsociety.co.uk","position":9},{"name":"Yorkshire Building Society","domain":"ybs.co.uk","position":10},{"name":"Atom Bank","domain":"atombank.co.uk","position":11},{"name":"Paragon Bank","domain":"paragonbank.co.uk","position":12},{"name":"Vida Homeloans","domain":"vidahomeloans.co.uk","position":13},{"name":"Pepper Money","domain":"pepper.money","position":14},{"name":"London & Country","domain":"landc.co.uk","position":15},{"name":"Habito","domain":"habito.com","position":16}]},{"provider":"gemini","run":1,"model":"gemini-3.5-flash","capturedAt":"2026-08-05T04:07:08.356Z","text":"In the UK, there is no single \"best\" mortgage lender because the right provider for you depends entirely on your personal circumstances—whether you’re a first-time buyer with a tiny deposit, a home mover looking to borrow the maximum amount possible, or someone with a large equity stake hunting for the lowest possible rate. \n\nHowever, the UK mortgage market is dominated by **\"The Big Six\"** (who account for over 70% of all UK mortgages) and a few highly-rated building societies and specialist lenders. \n\n---\n\n### 1. The Best All-Rounder & Best for First-Time Buyers: **Nationwide Building Society**\nNationwide is the UK’s largest building society and consistently ranks at the top of customer satisfaction tables, frequently securing **Which? Recommended Provider** status. They are highly regarded for clear communication, transparent fees, and a great online banking interface.\n\n*   **Who actually uses them:** First-time buyers, home movers, and those who want a trusted brand with excellent customer service.\n*   **Standout Product – *Helping Hand Mortgage*:** This is a genuine game-changer for first-time buyers. While most UK lenders limit your borrowing to 4 or 4.5 times your salary, Nationwide’s *Helping Hand* scheme allows eligible first-time buyers to borrow **up to 6 times their income** (on a 5- or 10-year fixed rate up to 95% LTV). In 2026, Nationwide expanded this 6x income lending to eligible home movers and those remortgaging as well, making it incredibly popular in high-house-price areas like London and the South East.\n\n### 2. The Heavyweights: **Halifax & Lloyds Banking Group**\nHalifax (part of the Lloyds Banking Group) is the UK’s biggest mortgage lender. They are the \"workhorse\" of the UK mortgage industry. \n\n*   **Who actually uses them:** People looking for speed and reliability. Halifax is legendary among mortgage brokers for having incredibly fast processing times and straightforward underwriting. If you need an offer issued quickly to secure a property, Halifax is usually a top choice.\n*   **Standout Product – *Green Living Reward*:** If you are buying an energy-efficient home or planning to make eco-upgrades, Halifax offers tiered cashback. You can get up to £2,000 cashback for installing a heat pump or £1,000 for solar panels, which is on top of standard mortgage incentives.\n\n### 3. The Best for Cheap Rates (Low LTVs): **HSBC UK & Barclays**\nIf you have a large deposit (typically 40% or more, meaning a 60% Loan-to-Value or LTV), HSBC and Barclays are where you will often find the absolute cheapest headline fixed rates in the UK. \n\n*   **Who actually uses them:** Existing homeowners remortgaging with plenty of equity, or buyers with substantial deposits who want the absolute lowest monthly repayment.\n*   **Things to note:** While they offer incredibly competitive rates, their underwriting criteria can be stricter and their application processes can sometimes take longer than Nationwide or Halifax. Barclays is also highly active in the \"Green Mortgage\" space, offering discounted rates if you’re buying a property with an EPC rating of A or B.\n\n### 4. The Best for Customer Service: **First Direct**\nFirst Direct (a division of HSBC) has a cult-like following in the UK personal finance space. They routinely sweep customer service awards across banking and mortgages. \n\n*   **Who actually uses them:** Borrowers who dread automated call centres and want to speak to a helpful, UK-based human instantly at any time of day. \n*   **Things to note:** They frequently offer highly competitive rates (sometimes matching or beating parent company HSBC), but they often require you to apply directly rather than through a mortgage broker.\n\n### 5. Best for Specialists & Complex Income: **Accord Mortgages & Specialist Building Societies**\nIf you are self-employed, a contractor, have a complex pension income, or have a minor blip on your credit file, the big high-street banks might automatically reject you. This is where specialist lenders shine.\n\n*   **Accord Mortgages:** This is the intermediary-only arm of Yorkshire Building Society. They are highly flexible and assess cases on a human level rather than relying entirely on computer algorithms. \n*   **Atom Bank:** A digital-only challenger bank that has become highly popular with brokers due to its near-instant digital underwriting and competitive pricing.\n*   **Regional Building Societies (e.g., Leek, Coventry, or Skipton):** Often win awards (like Leek Building Society winning *Best Specialist Mortgage Provider*) for their niche products, such as joint-borrower-sole-proprietor mortgages (where parents help with affordability without being on the deeds).\n\n---\n\n### Practical Tips for Securing a UK Mortgage\n\n1.  **Don't just walk into your current bank:** While it is tempting to apply where you have your current account, they will only offer you their own products. \n2.  **Use a \"Whole-of-Market\" Mortgage Broker:** Highly recommended UK brokers like *L&C*, *Mojo*, or *Habito* (or a local independent broker) don't charge fee-paying customers in most standard cases (they get paid via commission from the lender). A whole-of-market broker can scan thousands of deals across the entire industry, including exclusive broker-only rates you can't get on the high street.\n3.  **Check for \"Direct-Only\" Deals:** Some great deals from lenders like First Direct are only available if you apply to them directly. A good broker will be honest with you if a direct-only deal beats what they can offer.\n4.  **Factor in the Fees:** When comparing, don't just look at the interest rate. A 4.2% rate with a £1,499 product fee might actually work out more expensive over a 2-year fix than a 4.4% rate with no product fee, especially if your mortgage amount is relatively small. Use a total-cost comparison tool or ask your broker to calculate the \"true cost\" over the initial deal period.","extractedBrands":[{"name":"Nationwide Building Society","domain":"nationwide.co.uk","position":1},{"name":"Halifax","domain":"halifax.co.uk","position":2},{"name":"Lloyds Banking Group","domain":"lloydsbankinggroup.com","position":2},{"name":"HSBC UK","domain":"hsbc.co.uk","position":3},{"name":"Barclays","domain":"barclays.co.uk","position":3},{"name":"First Direct","domain":"firstdirect.com","position":4},{"name":"Accord Mortgages","domain":"ybs.co.uk","position":5},{"name":"Atom Bank","domain":"atombank.co.uk","position":5},{"name":"Yorkshire Building Society","domain":"ybs.co.uk","position":5},{"name":"L&C","domain":"landc.co.uk","position":6},{"name":"Mojo","domain":"mojo.com","position":6},{"name":"Habito","domain":"habito.com","position":6},{"name":"Leek Building Society","domain":"leekbs.co.uk","position":5},{"name":"Coventry Building Society","domain":"thecoventry.co.uk","position":5},{"name":"Skipton Building Society","domain":"skipton.co.uk","position":5}]},{"provider":"google_aio","run":1,"model":"google_aio","capturedAt":"2026-08-05T04:07:08.356Z","text":"","extractedBrands":[]},{"provider":"grok","run":1,"model":"grok-4.5","capturedAt":"2026-08-05T04:07:08.356Z","text":"**Nationwide Building Society stands out as one of the strongest overall choices, frequently topping customer satisfaction surveys, while the largest high-street lenders like Halifax (Lloyds Banking Group), NatWest, Barclays, HSBC, and Santander are among the most widely used by people in the UK.**[[1]](https://www.which.co.uk/money/mortgages-and-property/mortgages/best-mortgage-lenders-aDe4L2S0pzyM)[[1]](https://www.which.co.uk/money/mortgages-and-property/mortgages/best-mortgage-lenders-aDe4L2S0pzyM)\n\n“Best” depends on your circumstances (deposit/LTV, credit history, employment type, first-time buyer vs remortgage, fixed vs variable preference, need for flexibility or specialist features), rates/fees (which change daily), and service. No single lender wins for everyone—always compare the full market and consider a whole-of-market broker.\n\n### Top Lenders by Popularity and Market Share\nThese dominate lending volumes and are the brands most people actually use (based on UK Finance data and market overviews):[[2]](https://hoa.org.uk/best-mortgage-lenders/)[[3]](https://www.uswitch.com/mortgages/guides/who-are-the-biggest-mortgage-lenders-in-the-uk/)\n\n- **Lloyds Banking Group (including Halifax and Lloyds Bank)** — Often the largest by lending volume and outstanding balances. Halifax is extremely popular for competitive rates across LTV bands, first-time buyers, and products like Family Boost (family savings as security for low/no deposit). Widely available and familiar.[[2]](https://hoa.org.uk/best-mortgage-lenders/)\n- **Nationwide Building Society** — Consistently one of the biggest and a top customer favourite. Which? Recommended Provider with strong scores (around 80% customer score) for service, clarity of statements, online access, and competitive rates across a wide range. Good for first-time buyers (higher income multiples in some cases, e.g., up to 6x) and offers green options.[[1]](https://www.which.co.uk/money/mortgages-and-property/mortgages/best-mortgage-lenders-aDe4L2S0pzyM)[[1]](https://www.which.co.uk/money/mortgages-and-property/mortgages/best-mortgage-lenders-aDe4L2S0pzyM)\n- **NatWest Group (including RBS)** — Major player with competitive deals, high income multiples in some cases (up to ~6.5x for higher earners), and solid overpayment flexibility (e.g., up to 20%).[[2]](https://hoa.org.uk/best-mortgage-lenders/)\n- **Barclays** — Large lender with innovative products like Family Springboard (family help without outright gifting), competitive low-LTV rates, offset trackers, and green options.[[2]](https://hoa.org.uk/best-mortgage-lenders/)\n- **HSBC (including First Direct)** — Strong on rates (often features in best-buy tables), awards for fixed-rate and online mortgages, higher lending multiples for Premier customers, and energy-efficient cashback incentives. First Direct often praised for service.[[2]](https://hoa.org.uk/best-mortgage-lenders/)\n- **Santander** — Frequently competitive, especially for smaller deposits; solid customer feedback in some awards.[[2]](https://hoa.org.uk/best-mortgage-lenders/)\n\nOther notable larger or popular ones include **Yorkshire Building Society**, **Coventry Building Society**, **Skipton Building Society**, **TSB**, and **Virgin Money**.[[2]](https://hoa.org.uk/best-mortgage-lenders/)\n\n### Strong Performers for Customer Service and Satisfaction\nWhich? surveys of thousands of customers (recent data around late 2025) highlight building societies highly:[[1]](https://www.which.co.uk/money/mortgages-and-property/mortgages/best-mortgage-lenders-aDe4L2S0pzyM)\n\n- **Nationwide** — Top/Which? Recommended Provider (80% customer score); excellent for statements, online access, and consistent competitive rates.\n- **Principality Building Society** and **Skipton Building Society** — Also ~80%.\n- **Accord Mortgages** (Yorkshire BS intermediary brand) — Strong (~78%).\n- Others scoring solidly (mid-70s): Barclays, Lloyds, TSB, Virgin Money, Yorkshire BS, Coventry, First Direct, HSBC, NatWest, Santander.\n- Halifax sits around average (~72%) in the same survey—popular for deals but not always top for service.\n\nSmaller or specialist lenders (or building societies) can excel for niche needs and sometimes beat big banks on rates or flexibility, though they may have tighter criteria or less branch presence.[[3]](https://www.uswitch.com/mortgages/guides/who-are-the-biggest-mortgage-lenders-in-the-uk/)\n\n### Popular Products People Use\n- **Fixed-rate mortgages** (especially 2-year and 5-year fixes) — Most common for payment certainty. Rates fluctuate with Bank of England base rate expectations and competition.\n- **Tracker/variable** — Linked to base rate; can be cheaper initially but riskier.\n- **High LTV (90-95%)** for first-time buyers and low-deposit deals.\n- **Offset mortgages** — Link savings to reduce interest (offered by some like Barclays, Coventry, Halifax).\n- **Green/energy-efficient** incentives, cashback, shared ownership, Right to Buy, buy-to-let (often via specialist arms), and family-assisted products.\n- Remortgage-specific deals and further advances/additional borrowing.\n\nDeals available direct or via brokers; many top rates (especially from smaller lenders) are broker-only.[[4]](https://www.moneysavingexpert.com/mortgages/best-buys/)\n\n### How to Find the Best for You\n1. **Check current best-buys** — Use free tools from MoneySavingExpert (whole-of-market including direct deals), Moneyfacts, MoneySuperMarket, Compare the Market, or Which?. Filter by your LTV, term, fixed/variable, fees, etc. Look at total cost (rate + fees + incentives), not just the headline rate.[[4]](https://www.moneysavingexpert.com/mortgages/best-buys/)\n2. **Use a whole-of-market mortgage broker** — Highly recommended (many are free, paid by lender commission). They access broker-only deals, advise on affordability/criteria, and handle applications. Popular/fee-free options often include L&C Mortgages, Habito, Mortgage Advice Bureau, and others highlighted by MSE. Specialists help with self-employed, bad credit, complex income, or unusual properties.[[5]](https://www.moneysavingexpert.com/mortgages/best-mortgages-cashback/)\n3. **Consider your bank/building society first** for possible existing-customer perks, but always shop around—loyalty rarely pays best.\n4. **Key factors beyond rate** — Fees (arrangement, valuation, legal), early repayment charges (ERCs), overpayment allowances, portability (if moving), customer service/app/online tools, and approval likelihood for your profile.\n5. **Get an Agreement in Principle (AIP)** early, but soft searches preferred initially. Factor in stamp duty, surveys, and conveyancing.\n\n**Important caveats**: Your home may be repossessed if you do not keep up repayments. Affordability is strictly assessed (income, outgoings, stress-tested rates). Credit score, deposit size (higher = better rates), and employment matter hugely. Rates and products change constantly—verify everything current. For personalised advice, speak to an FCA-regulated broker or adviser. \n\nStart with MSE’s Mortgage Best Buys or a broker comparison, then shortlist 2–3 lenders that fit your needs (e.g., Nationwide or Skipton for service + competitive rates; Halifax/HSBC/Barclays for volume and product range). This approach is what most successful UK borrowers follow.","extractedBrands":[{"name":"Nationwide Building Society","domain":"nationwide.co.uk","position":1},{"name":"Halifax","domain":"lloydsbankinggroup.com","position":2},{"name":"NatWest","domain":"natwest.com","position":3},{"name":"Barclays","domain":"barclays.co.uk","position":4},{"name":"HSBC","domain":"hsbc.co.uk","position":5},{"name":"Santander","domain":"santander.co.uk","position":6},{"name":"Yorkshire Building Society","domain":"ybs.co.uk","position":7},{"name":"Coventry Building Society","domain":"thecoventry.co.uk","position":8},{"name":"Skipton Building Society","domain":"skipton.co.uk","position":9},{"name":"TSB","domain":"tsb.co.uk","position":10},{"name":"Virgin Money","domain":"virginmoney.com","position":11},{"name":"Principality Building Society","domain":"principality.co.uk","position":12},{"name":"Accord Mortgages","domain":"ybs.co.uk","position":13},{"name":"L&C Mortgages","domain":"landc.co.uk","position":14},{"name":"Habito","domain":"habito.com","position":15},{"name":"Mortgage Advice Bureau","domain":"mortgageadvicebureau.com","position":16}]},{"provider":"openai","run":1,"model":"gpt-5.5-2026-04-23","capturedAt":"2026-08-05T04:07:08.356Z","text":"**Short answer: if you’re in the UK, start with Nationwide, Halifax/Lloyds, NatWest, Barclays, HSBC/first direct and Santander — then add a couple of building societies or specialist lenders depending on your situation.** The “best” lender is usually the one that gives you the lowest **total cost** after fees, cashback, valuation/legal perks and product-transfer options — not just the lowest headline rate.\n\n## Best UK mortgage lenders to shortlist\n\n| Best for | Lenders/brands to check | Why they’re on the list |\n|---|---|---|\n| **Best all-rounder** | **Nationwide Building Society** | Strong blend of scale, customer satisfaction and competitive rates. Which? named Nationwide its 2025 Recommended Mortgage Provider, and it scored highly on both service and rate competitiveness. ([which.co.uk](https://www.which.co.uk/news/article/should-you-choose-a-bank-or-building-society-for-your-mortgage-aEsPP0h8ktAS)) |\n| **Most-used / mainstream default** | **Halifax/Lloyds, Nationwide, NatWest, Barclays, HSBC, Santander** | These are the brands borrowers actually use most. In the 2024 UK Finance rankings, the top six by gross lending were Lloyds Banking Group, Nationwide, NatWest, Barclays, HSBC and Santander. ([mortgagesolutions.co.uk](https://www.mortgagesolutions.co.uk/mortgage-news/2025/07/18/lbg-remains-top-resi-lender-as-nationwide-nearly-doubles-btl-business-uk-finance/?utm_source=openai)) |\n| **Lowest-rate hunting** | **HSBC, Santander, NatWest, Barclays, first direct, Nationwide** | In Which?’s 2025 rate analysis, HSBC, Nationwide, Santander, NatWest, Barclays and first direct appeared most consistently in competitive mortgage tables. ([which.co.uk](https://www.which.co.uk/news/article/should-you-choose-a-bank-or-building-society-for-your-mortgage-aEsPP0h8ktAS)) |\n| **First-time buyers** | **Nationwide, Coventry BS, Skipton BS, Halifax** | Nationwide has its **Helping Hand** mortgage; Coventry won Moneyfacts’ 2025 Best First-Time Buyer Mortgage Provider; Skipton has the no/low-deposit **Track Record** mortgage; Halifax has **Family Boost**. ([nationwide.co.uk](https://www.nationwide.co.uk/mortgages/first-time-buyers/helping-hand-mortgage/?spr_channel=social&spr_cmp_nme=pillar+%7C+you+%26+your+money&spr_post_id=14742611791&spr_post_time=2024092320240923132901&spr_site=LINKEDIN&utm_source=openai)) |\n| **Remortgaging** | **first direct, Santander, NatWest, Barclays, HSBC, your current lender** | first direct won Moneyfacts’ 2025 Best Remortgage Provider, while Which? found Santander, NatWest, Barclays, HSBC and first direct consistently competitive for remortgages. ([moneyfactsgroup.co.uk](https://www.moneyfactsgroup.co.uk/awards-and-events/moneyfacts/winners-2025/)) |\n| **Buy-to-let** | **The Mortgage Works/Nationwide, BM Solutions/Lloyds, NatWest, OSB/Kent Reliance, Coventry, Paragon, Shawbrook, Aldermore** | Nationwide was the largest buy-to-let lender in the 2024 UK Finance ranking, followed by Lloyds Banking Group; specialist BTL names such as OSB, Paragon, Shawbrook and Aldermore also feature prominently. ([mortgagesolutions.co.uk](https://www.mortgagesolutions.co.uk/mortgage-news/2025/07/18/lbg-remains-top-resi-lender-as-nationwide-nearly-doubles-btl-business-uk-finance/?utm_source=openai)) |\n| **Specialist / adverse credit / complex income** | **Pepper Money, Aldermore, Kensington, Precise/OSB, Vida, Shawbrook** | These are more broker-led and useful for self-employed, complex income, credit blips or unusual properties. Moneyfacts named Pepper Money Best Specialist Mortgage Provider in 2025. ([moneyfactsgroup.co.uk](https://www.moneyfactsgroup.co.uk/awards-and-events/moneyfacts/winners-2025/)) |\n\n## My practical ranking\n\n### 1. **Nationwide Building Society**\nBest “first place to look” for many borrowers. It’s a major lender, has good customer scores, and has been consistently competitive. Its **Helping Hand** mortgage can let eligible first-time buyers borrow more than on standard affordability, with up to 95% LTV on a 5-year fix and up to 90% LTV on a 10-year fix. ([which.co.uk](https://www.which.co.uk/news/article/should-you-choose-a-bank-or-building-society-for-your-mortgage-aEsPP0h8ktAS))  \n\n**Good for:** first-time buyers, standard residential borrowers, people who value service, 5-year fixed-rate borrowers.\n\n### 2. **Halifax / Lloyds**\nHalifax/Lloyds is the biggest mainstream player: Lloyds Banking Group completed £47bn of gross mortgage lending in 2024, about 19.4% of the market. Halifax is especially widely used through brokers and directly, and Smart Money People’s H2 2025 broker benchmark named Halifax the top overall and top mainstream lender. ([mortgagesolutions.co.uk](https://www.mortgagesolutions.co.uk/mortgage-news/2025/07/18/lbg-remains-top-resi-lender-as-nationwide-nearly-doubles-btl-business-uk-finance/?utm_source=openai))  \n\n**Good for:** mainstream borrowers, first-time buyers, home movers, broker-led applications, people who want a large established lender.\n\n### 3. **HSBC / first direct**\nHSBC is often strong on price, and first direct is a frequent pick for remortgages. Which?’s 2025 analysis put HSBC top for consistent appearances in competitive mortgage-rate tables, and Moneyfacts named first direct Best Bank Mortgage Provider and Best Remortgage Provider in 2025. ([which.co.uk](https://www.which.co.uk/news/article/should-you-choose-a-bank-or-building-society-for-your-mortgage-aEsPP0h8ktAS))  \n\n**Good for:** strong-credit borrowers, remortgagers, lower-LTV borrowers, people chasing keen rates.\n\n### 4. **NatWest / Royal Bank of Scotland**\nNatWest is one of the biggest UK mortgage lenders and often appears in competitive-rate tables. It ranked third in the 2024 UK Finance gross-lending table, with £27bn of lending and 11.2% market share. ([mortgagesolutions.co.uk](https://www.mortgagesolutions.co.uk/mortgage-news/2025/07/18/lbg-remains-top-resi-lender-as-nationwide-nearly-doubles-btl-business-uk-finance/?utm_source=openai))  \n\n**Good for:** first-time buyers, remortgages, mainstream salaried applicants, broker cases.\n\n### 5. **Barclays**\nBarclays is a major high-street lender and placed fourth in the 2024 UK Finance gross-lending rankings. Which? also found Barclays was the standout big bank for customer satisfaction in its survey, with a 75% customer score. ([mortgagesolutions.co.uk](https://www.mortgagesolutions.co.uk/mortgage-news/2025/07/18/lbg-remains-top-resi-lender-as-nationwide-nearly-doubles-btl-business-uk-finance/?utm_source=openai))  \n\n**Good for:** mainstream borrowers, remortgages, larger loans, applicants needing a well-known high-street bank.\n\n### 6. **Santander**\nSantander is a major mainstream lender and regularly appears in competitive-rate tables, especially for remortgages. In Which?’s 2025 analysis, Santander was one of the most consistently competitive lenders overall and ranked first in its remortgaging shortlist. ([which.co.uk](https://www.which.co.uk/news/article/should-you-choose-a-bank-or-building-society-for-your-mortgage-aEsPP0h8ktAS))  \n\n**Good for:** remortgages, standard residential borrowing, rate-conscious borrowers.\n\n### 7. **Yorkshire, Coventry, Skipton and Leeds Building Societies**\nThese are worth adding to any proper search. Building societies often compete well on criteria, manual underwriting or specific niches. Moneyfacts named Yorkshire BS Best Building Society Mortgage Provider in 2025, Coventry Best First-Time Buyer Mortgage Provider, and Skipton Best Service from a Mortgage Provider. ([moneyfactsgroup.co.uk](https://www.moneyfactsgroup.co.uk/awards-and-events/moneyfacts/winners-2025/))  \n\n**Good for:** first-time buyers, less-standard affordability, borrowers who want mutual/building-society service.\n\n## Products actually worth knowing about\n\n- **2-year fixed rate** — useful if you want a shorter commitment and think rates may improve, but you take more remortgage risk sooner.\n- **5-year fixed rate** — often the practical default for stability; FCA survey data showed 83% of UK residential mortgage holders were on fixed rates in 2024. ([fca.org.uk](https://www.fca.org.uk/publication/financial-lives/fls-2024-mortgages.pdf))\n- **Nationwide Helping Hand** — for eligible first-time buyers who need higher borrowing power. ([nationwide.co.uk](https://www.nationwide.co.uk/mortgages/first-time-buyers/helping-hand-mortgage/?spr_channel=social&spr_cmp_nme=pillar+%7C+you+%26+your+money&spr_post_id=14742611791&spr_post_time=2024092320240923132901&spr_site=LINKEDIN&utm_source=openai))\n- **Skipton Track Record** — a notable option for renters with little or no deposit; Skipton says it can use rent-payment history and may allow no deposit, subject to criteria. ([skipton.co.uk](https://www.skipton.co.uk/mortgages/first-time-buyers/track-record-mortgage?utm_source=openai))\n- **Halifax Family Boost** — lets a family member put 10% of the purchase price into a linked 3-year savings account as security, so the first-time buyer may not need their own deposit. ([halifax.co.uk](https://www.halifax.co.uk/mortgages/family-boost.html?WT.ac=rc%2Fymal%2Fmort-family-boost-mort&utm_source=openai))\n- **HSBC energy-efficient / cashback mortgages** — worth checking if the property has a strong EPC rating; HSBC offers cashback on some energy-efficient-home mortgage products. ([hsbc.co.uk](https://www.hsbc.co.uk/mortgages/energy-efficient/?utm_source=openai))\n\n## How I’d choose in practice\n\n1. **Get an Agreement in Principle from one or two big lenders** — e.g. Nationwide, Halifax/Lloyds, HSBC or NatWest.  \n2. **Use a whole-of-market broker** unless your case is extremely simple. Many of the best-fit lenders, especially building societies and specialist lenders, are easier to access through brokers.  \n3. **Compare total cost, not just rate**: arrangement fee, valuation fee, legal-fee assistance, cashback, overpayment allowance, early repayment charges and revert rate.  \n4. **Check your current lender for a product transfer** if you’re remortgaging — it can be faster and may avoid full affordability checks, though it’s not always cheapest.  \n5. **Avoid standard variable rate unless deliberate and temporary**; FCA data showed only 6% of residential mortgage holders were on their lender’s SVR in 2024, down from 16% in 2017. ([fca.org.uk](https://www.fca.org.uk/publication/financial-lives/fls-2024-mortgages.pdf))\n\n**Bottom line:** for a typical UK borrower, I’d shortlist **Nationwide, Halifax/Lloyds, HSBC/first direct, NatWest, Barclays and Santander**, then add **Coventry, Yorkshire, Skipton or Leeds Building Society** depending on your deposit, income and property type. For complex cases, go broker-first and include **Pepper, Aldermore, Kensington, OSB/Kent Reliance, Vida or Shawbrook**.  \n\nYour home may be repossessed if you do not keep up repayments on your mortgage.","extractedBrands":[{"name":"Nationwide Building Society","domain":"nationwide.co.uk","position":1},{"name":"Halifax","domain":"halifax.co.uk","position":2},{"name":"Lloyds","domain":"lloyds.com","position":2},{"name":"NatWest","domain":"natwest.com","position":3},{"name":"Barclays","domain":"barclays.co.uk","position":4},{"name":"HSBC","domain":"hsbc.co.uk","position":5},{"name":"first direct","domain":"firstdirect.com","position":5},{"name":"Santander","domain":"santander.co.uk","position":6},{"name":"Coventry","domain":"coventrybuildingsociety.co.uk","position":7},{"name":"Skipton BS","domain":"skipton.co.uk","position":8},{"name":"The Mortgage Works","domain":"nationwide.co.uk","position":9},{"name":"BM Solutions","domain":"lloyds.com","position":9},{"name":"OSB","domain":"osb.com","position":9},{"name":"Kent Reliance","domain":"kentreliance.com","position":9},{"name":"Pepper Money","domain":"pepper.money","position":10},{"name":"Aldermore","domain":"aldermore.co.uk","position":10},{"name":"Kensington","domain":"kensingtonmortgages.co.uk","position":10},{"name":"Precise","domain":"precisemortgages.co.uk","position":10},{"name":"Vida","domain":"vidacapital.co.uk","position":10},{"name":"Shawbrook","domain":"shawbrook.co.uk","position":10},{"name":"Yorkshire BS","domain":"ybs.co.uk","position":7}]},{"provider":"perplexity","run":1,"model":"sonar","capturedAt":"2026-08-05T04:07:08.356Z","text":"There isn’t one single **best** mortgage lender in the UK for everyone; the strongest choices depend on whether you want the easiest application, the best customer service, the widest product range, or the most suitable lender for a specific situation.[4][6] If you want the brands people actually use most often and that show up repeatedly in UK comparisons, the most common names are **Halifax**, **Nationwide**, **NatWest**, **Barclays**, **Santander**, **HSBC**, and **Coventry Building Society**.[1][3][9]\n\nIf you want a practical shortlist, these are the strongest mainstream options:\n\n- **Nationwide** — often the best-known choice for **first-time buyers** and one of the most widely used UK lenders; it also scored highly in consumer satisfaction coverage.[1][7][9]\n- **Halifax** — a strong **all-rounder** and one of the biggest mainstream lenders in the UK.[1][3][9]\n- **NatWest** — a popular **high-street bank** choice, especially for borrowers who want a conventional lender with broad branch coverage.[1][3][9]\n- **Barclays** — a major lender with a large market presence and strong brand recognition.[7][9]\n- **Santander** — another major UK lender commonly used by mainstream borrowers.[3][9]\n- **Coventry Building Society** — often highlighted for more specific niches such as **green buyers** or borrowers looking at building-society-style products.[1]\n- **HSBC** — a major bank lender that is widely used, especially by borrowers who already bank there.[3][9]\n\nFor **customer satisfaction**, Which? highlighted **Nationwide** as the only “recommended provider” in its mortgage lender survey, with high satisfaction scores compared with several big banks.[7] Review Centre’s 2025 comparison also placed **Halifax**, **NatWest**, and **Nationwide** among its top picks, with **Coventry Building Society** and **Metro Bank** filling more niche categories.[1]\n\nIf you want the most useful way to choose, here’s the simplest rule of thumb:\n\n- **Best overall mainstream pick:** **Nationwide** or **Halifax**.[1][7]\n- **Best if you want a traditional high-street bank:** **NatWest**, **Barclays**, or **Santander**.[1][3][9]\n- **Best for first-time buyers:** **Nationwide**.[1]\n- **Best for niche borrowing or specialist cases:** **Coventry Building Society** or specialist lenders like **Kensington** and **The Mortgage Works**.[1][2]\n\nA key point: the “best lender” is usually the one that will accept **your** deposit size, income type, credit profile, and property type at the best rate, not just the brand with the biggest name.[6] If you want, I can narrow this down to the **best UK mortgage lenders by profile** — for example, first-time buyer, remortgage, self-employed, bad credit, or buy-to-let.","extractedBrands":[{"name":"Halifax","domain":"halifax.co.uk","position":1},{"name":"Nationwide","domain":"nationwide.co.uk","position":2},{"name":"NatWest","domain":"natwest.com","position":3},{"name":"Barclays","domain":"barclays.co.uk","position":4},{"name":"Santander","domain":"santander.co.uk","position":5},{"name":"HSBC","domain":"hsbc.co.uk","position":6},{"name":"Coventry Building Society","domain":"thecoventry.co.uk","position":7},{"name":"Metro Bank","domain":"metrobankonline.co.uk","position":8},{"name":"Kensington","domain":"kensingtonmortgages.co.uk","position":9},{"name":"The Mortgage Works","domain":"themortgageworks.co.uk","position":10}]}]}