Winner medal competition

Mortgage brokers rate best UK mortgage lenders

Accord Mortgages has come out on top as the highest-rated building society in the Mortgage Lender Benchmark survey carried out by Smart Money People with mortgage brokers.

The six-monthly survey of mortgage brokers asked them to rate the service of 44 banks, building societies, specialist and lifetime lenders, and to rate the last five lenders they worked with.

While the brokers rated Halifax as the best bank lender and Accord as the best building society lender, M&S Bank and Kent Reliance were rated as the poorest. Best lifetime mortgage lender was More 2 Life, and alongside rival Pure Retirement, they were the highest rated across all lenders. Fleet Mortgages was the top rated specialist lender.

Halifax has been rated best bank lender in the last three broker surveys due to the ease and speed of processing applications through to offer. Barclays scored highly for its rates and criteria, but the mortgage processing systems and underwriting were rated unsatisfactory.

The survey revealed the top three mortgage lenders in each category, according to brokers as:

Banking lenders

  1. Halifax
  2. NatWest
  3. BM Solutions

Building societies

  1. Accord Mortgages
  2. Coventry Building Society
  3. Nationwide Building Society

Specialist lenders

  1. Fleet Mortgages
  2. Bluestone
  3. Pepper Money

Lifetime lenders

  1. more 2 life
  2. L&G
  3. Pure Retirement

Overall, building societies outperformed every other type of lender. For borrowers choosing to work with a mortgage broker, the survey provides a good insight into brokers’ lender preferences and potential ease of applications.

Self-certified Sophisticated Investor

Please read

I declare that I am a self-certified sophisticated investor for the purposes of the restriction on promotion of non-mainstream pooled investments. I understand that this means:

I am a self-certified sophisticated investor because at least one of the following applies:

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me seek advice from someone who specialises in advising on non-mainstream pooled investments.

High Net Worth Investor

Please read

I make this statement so that I can receive promotional communications which are exempt from the restriction on promotion of non-mainstream pooled investments. The exemption relates to certified high net worth investors and I declare that I qualify as such because at least one of the following applies to me:


Sign up for first access to new developments and exclusive property investment opportunities.

We send limited and targeted emails on new launches and exclusive deals which best fit your areas. We are trusted by over 30,000 active buyers as their source for new stock.

  • New property developments
  • Professional market reports
  • Property deal alerts
  • Development updates
Manchester property investment


Receive trending news straight to your inbox and stay up to date on all of the property market trends and advice.

Established since 2005 we are a leading voice of authority and commentary on the UK property market. Our news is trusted by Apple News & Google News.

  • UK housing market
  • Mortgage & money
  • Buy-to-let landlords
  • Guides & advice

Talk to us

Speak to our UK property experts today:


+44 (0) 333 123 0320

Open from 9am-6pm GMT


+852 6699 9008

Open from 9am-6pm HKT