Zopa Bank
Challenger BankZopa Bank, originally a pioneer in peer-to-peer lending, transitioned to a fully licensed bank offering residential mortgages alongside savings and credit products. Their technology-driven approach enables competitive pricing and a streamlined digital application process for homebuyers.
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About Zopa Bank
Zopa was founded in 2005 as the world's first peer-to-peer lending platform. The company transitioned to a fully licensed bank in 2020, becoming Zopa Bank. Zopa now offers residential mortgages alongside savings and credit products. The bank's technology-driven approach enables competitive pricing and a streamlined digital application process.
Zopa Bank brings its fintech heritage to the mortgage market. The bank has invested in technology to simplify the application process and deliver competitive rates. Zopa serves first-time buyers, home movers, and remortgagers through its digital platform.
Zopa Bank is regulated by the FCA and PRA and holds a full UK banking licence. The bank has grown steadily since gaining its licence and has built a strong presence in the digital lending market.
Lending Focus
Zopa Bank offers mortgage products across 1 categories including Residential.
Key Features
- Digital-first mortgage application with smart technology
- Competitive residential rates up to 90% LTV
- Available direct to consumer and via brokers
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.
