Top 10 Mortgage Companies UK

These are some of the top 10 mortgage bank and building society lenders in the UK

1. Halifax Building Society (21%)

  • Offers a range of mortgage products from repayment to interest only
  • Halifax has merged with Bank of Scotland to form HBOS.
  • HBOS controversially taken over by Lloyds TSB in Jan 2009 becoming part of Lloyds Banking group. The combined bank will have a dominant market position and was only allowed due to governments reluctance to nationalise another bank.
  • Buy to Let mortgage available through subsidiary: Birmingham Midshires
  • Offset Mortgages available through: Intelligent Finance
  • Halifax Mortgagesat

2. Abbey National 28%

  • Owned by Spanish division – Santander, Abbey has been the fastest growing mortgage lender in the credit crunch. By 2008, it had increased its market share from 8% (2004) to 28%
  • Includes flexible mortgages

3. Nationwide (20%)

4. Northern Rock (15%)

  • Recently hit by problems in the money market, northern Rock were one of the biggest 5 mortgage lenders, but since nationalisation have been struggling to improve their finances.

5. Woolwich Building Society (11%)

  • Now owned by Barclays bank (since 2000). The Woolwich is one of the biggest mortgage lenders in the UK. Barclays concentrates on banking and loans, Woolwich on mortgages
  • Can combine savings and mortgage in offset mortgage
  • Woolwich Mortgages at

6. Bradford and Bingley (8%)

Specialists in buy to let mortgage. But since credit crunch, mortgage book has been nationalised


  • The World’s Local Bank
  • Mortgages include fixed rate, Discount and Tracker
  • HSBC Mortgages

8. Royal Bank of Scotland

9. Lloyds TSB

  • Work in partnership with Cheltenham & Gloucester (C&G) -part of the Lloyds TSB Group.
  • Lloyds TSB Mortgages

10. Alliance & Leicester


Other Significant Mortgage Lenders

Yorkshire Building Society

Chelsea Building Society

Includes "helping hand" mortgage for those struggling to be able to get first time house

Co – operative Bank