Best UK Banks for Mortgages by Credit Rating

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

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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)

Rank	Bank Name	Credit Rating	Score	Agencies	Outlook	Trend
	H Handelsbanken	AA	90	S&P, Moody's, Fitch	—
	B Bank of Scotland plc	AA-	83	S&P, Moody's, Fitch	—
	C Coutts & Company	AA-	83	S&P, Moody's, Fitch	Stable
4	H HSBC UK Bank plc	AA-	83	S&P, Moody's, Fitch	Positive
5	L Lloyds Bank plc	AA-	83	S&P, Moody's, Fitch	—
6	N NatWest	AA-	83	S&P, Moody's, Fitch	Stable
7	R Royal Bank of Scotland	AA-	83	S&P, Moody's, Fitch	Stable
8	S Sainsbury's Bank Plc	AA-	83	S&P, Moody's, Fitch	Stable
9	B Barclays Bank UK PLC	A+	82	S&P, Moody's, Fitch	Stable
10	N Nationwide Building Society	A+	82	S&P, Moody's, Fitch	Stable
11	S Standard Chartered Bank	A+	82	S&P, Moody's, Fitch	—
12	T Tesco Bank	A+	82	S&P, Moody's, Fitch	Stable
13	S Santander UK plc	A+	80	S&P, Moody's, Fitch	Stable
14	T TSB Bank plc	A+	80	Moody's	Stable
15	C Co-operative Bank plc	A	75	Moody's, Fitch	Stable
16	C Coventry Building Society	A	75	Moody's, Fitch	Stable
17	S Skipton Building Society	A	75	Moody's, Fitch	—
18	Y Yorkshire Building Society	A	75	Moody's, Fitch	Stable
19	C Clydesdale Bank PLC	A-	70	S&P, Fitch	Stable
20	L Leeds Building Society	A-	70	Moody's, Fitch	Stable
21	V Virgin Money UK PLC	A-	70	S&P, Fitch	Stable
22	Y Yorkshire Bank	A-	70	S&P, Fitch	Stable
23	C Close Brothers Limited	BBB+	65	Moody's, Fitch	Negative
24	P Principality Building Society	BBB+	65	Moody's, Fitch	Stable
25	T Triodos Bank UK	BBB	60	Fitch	—	NEW
26	M Metro Bank PLC	BB	45	Fitch	Positive
27	V Vanquis Bank Limited	BB-	40	Fitch	Positive	NEW