
Our Mortgages
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. Our news section gives examples of some of the recent complex cases we have helped.
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 | 2.39% | 2 years | 3.35% | 80% | 3.3% APRC | None | 0.50% (Min. £500) | Yes | |
Key Features
|
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85% LTV - Discounted Variable | 2.80% | 3 Years | 3.35% | 85% | 3.3% APRC | £100 | None | Yes | |
Key Features
|
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90% LTV - Discounted Variable - 2 Years | 3.14% | 2 Years | 3.35% | 90% | 3.4% APRC | £100 | None | Yes | |
Key Features
|
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95% LTV - Variable | 3.39% | 3 Years | 3.35% | 95% | 3.4% APRC | None | None | Yes | |
Key Features
|
Mixed Use
Mortgage Type |
Initial Rate |
Term | Standard Variable Rate |
Maximum Loan to Value |
Overall Cost for Comparison (APRC) |
Application Fee |
Arrangement Fee |
Early Repayment Charge |
|
---|---|---|---|---|---|---|---|---|---|
75% LTV - Discounted Variable - Light Mixed Use | 2.65% | 2 years | 3.35% | 75% | 3.4% APRC | £100 | 0.50% (Min. £500) | Yes | |
Key Features
|
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75% LTV - Discounted Variable - Complex Mixed Use | 3.10% | 2 years | 3.35% | 75% | 3.4% APRC | £100 | 0.50% (Min. £500) | Yes | |
Key Features
|
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 |
|
---|---|---|---|---|---|---|---|---|---|
80% LTV - Variable | 3.35% | Term | 3.35% | 80% | 3.5% APRC | £0 | £0 | No | |
Key Features
|
Buy to Let / Holiday & Expat 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 | 3.69% | 3 years | 5.15% | 70% | 4.9% APRC | None | None | Yes | |
Key Features
|
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70% LTV - Variable BTL / Holiday Let | 5.15% | Term | 5.15% | 70% | 5.3% APRC | None | None | No | |
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 01785 223212 or visit the 'Our Team' section to find direct contact details of our Business Development Team.
To submit a mortgage application to The Society visit the SRBS Mortgage Hub.