In 2026, Barclays led UK mainstream lenders by broker ratings, while Bank of Ireland and Pepper Money topped buy-to-let, and Precise Mortgages rose in specialist lending.

In 2026, Mortgage Finance Gazette’s Rated for Service report identified top UK lenders across mainstream, buy-to-let, and specialist segments based on broker feedback. Barclays led in mainstream, while Bank of Ireland and Pepper Money earned top honors in buy-to-let. Specialist lenders saw stability, with Precise Mortgages rising to Top Rated and Foundation Home Loans debuting. Digital and intermediary-only lenders remained strong, and convergence between mainstream and specialist sectors grew, with four lenders recognized in multiple categories. The assessment covered service, underwriting, technology, and support, with data available via an interactive dashboard.