Best UK Banks for Mortgages by Credit Rating

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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

30 out of 35 banks in this category hold investment grade ratings.

Investment Grade (30)

Handelsbanken (AA)

HSBC UK Bank plc (AA-)

Bank of Scotland plc (A+)

Chase UK (A+)

Nationwide Building Society (A+)

Standard Chartered Bank (A+)

CAF Bank Ltd (A)

Coutts & Company (A)

Danske Bank (A)

EFG Private Bank Limited (A)

... and 20 more

Below Investment Grade (5)

Monzo Bank Ltd (BB+)

Secure Trust Bank PLC (BB+)

Atom Bank plc (BB)

Co-operative Bank plc (BB-)

Metro Bank PLC (BB-)

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