
Intermediaries
We’re proud to say we have been offering mortgages since 1877 and we have some unique features, such as:
- When you contact us you will speak to a member of our mortgage team and not a call centre.
- We underwrite each case individually and do not rely on a credit score.
- We find ways to say 'Yes' to mortgage cases and we'll consider your case, no matter how complicated
It is due to this that we are able to offer specialist mortgages to meet the needs of different personal circumstances, lending into retirement, to self-builders, and to those with a complex income among some of the ways we can help.
Below you will find our current mortgage product range. Underneath that you will also find our contact details and a link to download our tailor made affordability calculator.
We look forward to hearing from you soon.
Residential
Mortgage Type |
Initial Rate |
Term | Standard Variable Rate |
Maximum Loan to Value |
Overall Cost for Comparison (APRC) |
Application Fee |
Arrangement Fee |
Early Repayment Charge |
|
---|---|---|---|---|---|---|---|---|---|
80% LTV - Discounted Variable - Track 1 | 5.74% | 2 years | 6.20% | 80% | 6.3% APRC | £100 | None | Yes | |
Key Features
A mortgage of £220,000 payable over 20 years initially on a discounted variable rate of 5.74% for 2 years and then on our Standard Variable Rate (SVR) currently 6.20% (variable) for the remaining 18 years would require 24 monthly payments of £1,543.33 followed by 216 monthly payments of £1,596.96. The total amount payable would be £382,683.28 made up of the loan amount plus interest (£162,683.28) a valuation fee of £425, a funds transfer fee of £30, estimated solicitor’s fees of £145, application fee of £100. The overall cost for comparison is 6.3% APRC representative. |
Joint Borrower - Sole Proprietor
Shared Ownership
Early Repayment Charge Free
Mortgage Type |
Initial Rate |
Term | Standard Variable Rate |
Maximum Loan to Value |
Overall Cost for Comparison (APRC) |
Application Fee |
Arrangement Fee |
Early Repayment Charge |
|
---|---|---|---|---|---|---|---|---|---|
90% LTV - Variable | 6.20% | Term | 90% | 6.4% APRC | £0 | £0 | No | ||
Key Features
|
Buy to Let & Holiday Buy to Let
Mortgage Type |
Initial Rate |
Term | Standard Variable Rate |
Maximum Loan to Value |
Overall Cost for Comparison (APRC) |
Application Fee |
Arrangement Fee |
Early Repayment Charge |
|
---|---|---|---|---|---|---|---|---|---|
70% LTV - Discounted Variable - Buy-to-Let / Holiday Buy-to-Let | 5.65% | 2 years | 8.00% | 70% | 7.7% APRC | £100 | None | Yes | |
Key Features
|
Self-build and renovation
Stafford Railway Building Society offers self-build mortgages exclusively through Buildstore Mortgage Services. We offer self-build mortgages on the following criteria:
- Purchase of land and build of a new property
- Renovation of an existing property
- Converting an existing structure for residential purposes
We can lend up to a maximum of £600,000 at 85% LTV to purchase land/property and up to 85% of cost of each stage during the build subject to valuation.
Funds will be released on an arrears stage payment basis.
The final mortgage
value must be 75% LTV.
Contact information
For more information you can contact Buildstore directly on 0345 223 4888 and you can find further details by clicking here.
If you are an intermediary you can contact Buildloan on 0345 223 4447 or view more details via the Buildloan website.
If you would like to discuss your client’s requirements please call one of our team on the numbers below or if you are ready to submit a mortgage application visit the SRBS Mortgage Hub.
Contact information
Emma Parker - 07506906525 or emma.parker@srbs.co.uk
Nisha Sahonta - 07956 866 563 or nisha.sahonta@srbs.co.uk
Mandy Holmes - 07913125506 or mandy.holmes@srbs.co.uk
Alternatively please contact the broker helpdesk on 01785 231444 or email brokers@srbs.co.uk
Affordability Calculator
Please click here to download our calculator or call us on any of the numbers above to discuss further.