Important Clarification: Chase UK does not currently offer mortgages.
While Chase (JPMorgan Chase) is a massive mortgage lender in the United States, its UK digital bank (Chase UK) launched in 2021 with a focus on current accounts and savings. As of late 2025, it has not yet entered the UK mortgage market.
If you see reviews for "Chase Mortgages" online, they almost certainly refer to the US bank or are legacy results for unrelated entities. You can use our free mortgage tool below to search for other lenders who may be able to help you.
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About Chase UK
Chase UK is the digital-only banking subsidiary of JPMorgan Chase, one of the largest financial institutions in the world.
It entered the UK market to challenge the "big high street banks" and fintechs like Monzo and Starling. It quickly gained popularity due to its cashback on debit card spending, fee-free spending abroad, and competitive savings rates. However, its product range is currently much smaller than its US parent company.
Mortgage Status
You cannot apply for a mortgage with Chase UK.
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New Mortgages: Neither residential nor buy-to-let mortgages are available from them in the UK
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Remortgaging: You cannot switch your mortgage to Chase UK
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Chase US Customers: If you have a mortgage with Chase in the USA, this cannot be transferred to the UK branch. The two systems are completely separate
Why the confusion? The confusion often arises because:
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JPMorgan Chase (US) is a huge mortgage lender
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Brand Power: The Chase brand is globally recognised, leading many to assume they offer a full suite of products in every country
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Search Results: Searching for "Chase Mortgage Reviews" often brings up US-based results (e.g., for "Jumbo Loans" or "FHA Loans"), which are not applicable in the UK
Compare today's best mortgage rates
We work with 90+ UK mortgage lenders, including Chase. You can use our service to compare mortgage rates from across the market to find the right deal.
Our mortgage sourcing tool is FREE and will show you the latest deals from Chase and others so you can make an informed decision about which to choose.
Click the button below to get started comparing the entire market for free.
What Products Does Chase UK Offer?
While you cannot get a mortgage, Chase UK does offer the following:
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Current Accounts: App-based accounts with features like 1% cashback on debit card spending (capped) and 5% interest on "round-up" change.
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Savings Accounts: Easy-access savings accounts with competitive interest rates.
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Investments: Through their acquisition of Nutmeg, Chase UK customers can access investment products via the app.
Alternative "Digital" Mortgage Lenders
If you were looking for a Chase mortgage because you wanted a modern, app-based digital lending experience, you might consider these alternatives which do offer mortgages in the UK:
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Atom Bank:An app-only bank that offers mortgages (via brokers) with real-time tracking
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Monzo (via Partners): Monzo does not lend its own money for mortgages, but it has a marketplace that allows you to view and track your mortgage
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Perenna: A new digital lender specialising in long-term fixed rates (20-30 years), similar to the US style of lending
Whether you're looking for a digital mortgage or a more traditional mortgage, we can help you to secure the best rate for your circumstances and provide the expert advice you need. You can get started to speak to us about your home finance needs.
FAQs
Chase has stated in the past that they intend to expand their lending products (including credit cards and potentially loans) in the UK, but no official launch date or confirmation has been given for a mortgage product.
Contact Information
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App: Support is primarily handled via the in-app chat
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Phone: 0800 376 3333
- Website: www.chase.co.uk