Best UK Banks for Mortgages by Credit Rating

UK mortgage lenders ranked by credit rating for long-term security

Why credit ratings matter for mortgages: When committing to a 25+ year mortgage, your lender's financial stability matters. A well-rated bank is more likely to maintain consistent service and favorable terms throughout your mortgage.

Top Rated Banks for Mortgages (by Credit Rating)

Investment Grade Banks for Mortgages

28 out of 34 banks in this category hold investment grade ratings.

Investment Grade (28)

Handelsbanken (AA)

Bank of Scotland plc (AA-)

Coutts & Company (AA-)

HSBC UK Bank plc (AA-)

Lloyds Bank plc (AA-)

NatWest (AA-)

Royal Bank of Scotland (AA-)

Sainsbury's Bank Plc (AA-)

Barclays Bank UK PLC (A+)

Nationwide Building Society (A+)

... and 18 more

Below Investment Grade (6)

Monzo Bank Ltd (BB+)

Secure Trust Bank PLC (BB+)

Shawbrook Bank Limited (BB+)

Atom Bank plc (BB)

Metro Bank PLC (BB-)

Vanquis Bank Limited (BB-)

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