The Your Mortgage Awards started 35 years ago, back in 1989/90, another pivotal time for the mortgage market in very different ways.

The make-up of the UK mortgage market has changed enormously in the last 35 years. First-time buyers are many in number but they are older, richer, having to borrow more, and far more dependent on family members to help them onto the ladder. Buy-to-let landlords barely existed back in ’89 and, despite facing challenges today, privately rented property accounts for almost 20% of the UK’s housing stock.

This year has been dominated by economics and politics, leaving little room for manoeuvre in the mortgage market. Lenders have been busy responding to falling inflation, a Conservative budget, a general election, interest rate cuts, a Labour budget and, more recently, the US election result.

While the big decisions have shaped the direction of the housing and mortgage market, on the ground consumers have continued to need the same help and support as ever.

The good news is that our award winners have provided this time and again throughout 2024, focusing on customer outcomes whatever the wider economic picture.

We’ve seen standout efforts from the biggest lenders to the smallest building societies, and plenty in between, highlighting the scale and diversity of the UK mortgage market.

Jamie Hurst, publishing director of Your Mortgage, said: “We’ve been recognising our Your Mortgage Award winners for 35 years and our 2024/25 crop have impressed us yet again, giving their customers the best possible mortgage and homebuying experience.

“Huge congratulations to all our winners for their hard work and innovation over the last 12 months.”

Well done to each of this year’s winners of the Your Mortgage Awards 2024/25, listed below:

Best Intermediary Mortgage Lender – Accord Mortgages

Best First-Time Buyer Mortgage Lender – Skipton Building Society

Best New-Build Mortgage Lender – Halifax

Best Shared Ownership Mortgage Lender – Leeds Building Society

Best Remortgage Lender – NatWest

Best Offset Mortgage Lender – Coventry Building Society

Best Large Loan Mortgage Lender – Halifax

Best Self-Employed Mortgage Lender – Halifax

Best Buy-to-Let Mortgage Lender – The Mortgage Works

Best Professional Buy-to-Let Mortgage Lender – The Mortgage Works

Best Credit Repair Mortgage Lender – Pepper Money

Best Product Transfer Provider – Halifax

Best Second Charge Mortgage Lender – Together

Best Later Life Mortgage Lender – LiveMore

Best Specialist Mortgage Lender – Pepper Money

Best Green Mortgage Lender – NatWest

Best Life Insurance Provider – Aviva

Best General Insurance Provider – LV=

Best Surveyor – Countrywide Surveying Services

Best Legal Services Provider – Simplify

Best Online Mortgage Lender – Atom Bank

Best Lender for Service – Halifax

Best Building Society – Nationwide

Best Bank – NatWest

Best Overall Mortgage Lender – Halifax