Our philosophy


We’re proud to say that there’s definitely a Stafford Railway Building Society ‘way of doing business’. We are strongly committed to the principles of mutuality, and are firm believers in ‘customer-first-and foremost’. It’s about being fair, honest, open and treating everyone alike. But we also have unique features, such as:

  • We’re independent and locally managed; when you contact us you will speak to a member of our team, not a call centre.
  • We operate from a single office in the centre of Stafford – so our overheads are low and we can pass on those savings by way of highly competitive interest rates.
  • As a mutual,we are free of pressure from shareholders. So we can concentrate on doing what we do best.
  • We guarantee the highest quality of service at the lowest possible price. In fact, we offer all our services free of charge (with one or two rare exceptions – see the mortgage and savings tariffs for full details).

As a result, over a century of mergers, take-overs and flotations have passed Stafford Railway Building Society by, leaving it still doing what it was established to do – offering sensible mortgages and investments, at sensible rates, to sensible people.

YOUR MORTGAGE IS SECURED ON YOUR HOME, WHICH MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

We only offer our own products. All our residential mortgages are regulated and therefore subject to the FCA regulations' requirements.

Leaflets are available in large print

Call us on: 01785 223212