I've visited all three of those campuses in the past few months (my daughter’s looking for a BA, I'm looking for a PhD), and we were impressed by all three. I'm gonna argue with @FilthyCommunist about Lancaster being a 'very small' campus, though – I'm studying at Bath Spa at the moment, so Lancaster seems like Metropolis! Lancaster is an out-of-town campus, but it had the best on-campus selection of shops of anywhere I've seen (aside from places like Oxford/Cambridge). I also got a sense that it took all faculties equally seriously, from humanities to social sciences to STEM, which isn't always the case elsewhere. Surrey's 24/7 library is a selling point, but all three of those unis have good-size libraries; however, Surrey does now has a small supermarket (larger than a convenience store, anyway) right there in the library building. Surrey's proximity to Guildford town centre makes it best for shopping, I'd say. As someone else said, Surrey and Royal Holloway both have London nearby by train, but they don’t have the Lake District in striking distance. Holloway is a lovely, leafy campus and a postcard destination, but I also got the sense from several departments that the staff are truly energised about their subjects. On-campus shopping seemed feeble, though. Personally, I'd leap for Lancaster, but I'm older so I don't need the London nightlife!