Mortgage Products

Find The Right Mortgage For Your Client

Service Level Agreements

The service we provide is our commitment to you and your client(s). We’re currently operating within the following SLAs for mortgage applications.

  • Underwriter assessment within 5 working days following receipt of documents.
  • Responding to Case update emails – 48 hours.
  • Assessing valuations – 48 hours.
  • New business enquiry emails – 24 hours.
  • Assessing completions – 24 hours.
  • Responding to solicitors’ emails – 24 hours.
Table View
Switch Product View
Tab View
Scroll Table
Product Name Product Code Initial Rate Maximum Loan to Value Overall Cost for Comparison (APRC) Early Repayment Charge
Residential
Residential 0.46% Discounted Variable Rate DR53 5.49% 80% 6.1% Yes
Residential 0.65% Discounted Variable Rate DR56 5.30% 80% 6.0% Yes
Residential 0.21% Discounted Variable Rate (Refurbishment) DR57 5.74% 80% 6.1% Yes
Residential Mixed-Use Discounted Variable Rate DR58 5.94% 80% 6.20% Yes
Early Repayment Charge Free
90% LTV – Variable (Not available for short term borrowing) RSVR 5.95% 90% 6.2% No
Joint Borrower Sole Proprietor
Joint Borrower Sole Proprietor (JBSP) DR55 5.40% 90% 5.6% Yes
Shared Ownership
Shared Ownership for Term DR54 5.40% 90% of share 5.6% Yes
Buy to Let
70% LTV – Buy-To-Let Discounted Variable BL04 5.65% 70% 7.7% Yes
ExPat 70% LTV – Discounted Variable BL05 6.20% 70% 7.9% Yes
3.50% ExPat BTL Discounted Variable BL06 3.50% 70% 7.9% Yes
Holiday Buy to Let
ExPat 70% LTV – Discounted Variable BL05 6.20% 70% 7.9% Yes
70% LTV – Holiday Buy-To-Let Discounted Variable HB04 5.65% 70% 7.7% Yes
3.50% ExPat BTL Discounted Variable BL06 3.50% 70% 7.9% Yes
Loyalty Mortgages
Loyalty BTL 2 Year 2.35% Discounted Variable Rate – 70% LTV RT10 5.65% 70% 7.7% Yes
Loyalty 2 Year 0.36% Discounted Variable Rate – 90% LTV RT09 5.59% 90% 6.0% Yes
Loyalty 2 Year 0.86% Discounted Variable Rate – 80% LTV RT08 5.09% 80% 5.9% Yes
Loyalty 3 Year 1.00% Discounted Variable Rate – 80% LTV RT06 4.95% 80% 5.8% Yes
Loyalty 3 Year 0.50% Discounted Variable Rate – 90% LTV RT07 5.45% 90% 6.00% Yes
  • Residential

    Residential 0.46% Discounted Variable Rate

    Code: DR53

    • Initial Rate

      5.49%

    • Term

      2 years

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      6.1% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first two years.

    View Product Details Arrange a Callback
  • Residential

    Residential 0.65% Discounted Variable Rate

    Code: DR56

    • Initial Rate

      5.30%

    • Term

      2 years

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      6.0% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      £500

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balances is repaid each year: 2% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Residential

    Residential 0.21% Discounted Variable Rate (Refurbishment)

    Code: DR57

    • Initial Rate

      5.74%

    • Term

      2 years

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      6.1% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      £500

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balances is repaid each year: 2% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Residential

    Residential Mixed-Use Discounted Variable Rate

    Code: DR58

    • Initial Rate

      5.94%

    • Term

      2 years

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      6.20% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balances is repaid each year: 2% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Early Repayment Charge Free

    90% LTV – Variable (Not available for short term borrowing)

    Code: RSVR

    • Initial Rate

      5.95%

    • Term

      Term

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      6.2% APRC

    Fees & Charges

    • Application Fee

      £0

    • Arrangement Fee

      None

    View Product Details Arrange a Callback
  • Joint Borrower Sole Proprietor

    Joint Borrower Sole Proprietor (JBSP)

    Code: DR55

    • Initial Rate

      5.40%

    • Term

      Term

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      5.6% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first two years.

    View Product Details Arrange a Callback
  • Shared Ownership

    Shared Ownership for Term

    Code: DR54

    • Initial Rate

      5.40%

    • Term

      Term

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      90% of share

    • Overall Cost for Comparison

      5.6% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Buy to Let

    70% LTV – Buy-To-Let Discounted Variable

    Code: BL04

    • Initial Rate

      5.65%

    • Term

      2 years

    • Standard Variable Rate

      8.00%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.7% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Buy to Let

    ExPat 70% LTV – Discounted Variable

    Code: BL05

    • Initial Rate

      6.20%

    • Term

      2 years

    • Standard Variable Rate

      8.00%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.9% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      £500

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Buy to Let

    3.50% ExPat BTL Discounted Variable

    Code: BL06

    • Initial Rate

      3.50%

    • Term

      2 years

    • Standard Variable Rate

      8.00%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.9% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      5% of the advance (can be added but not above 70% LTV) Val fee payable by customer.

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Holiday Buy to Let

    ExPat 70% LTV – Discounted Variable

    Code: BL05

    • Initial Rate

      6.20%

    • Term

      2 years

    • Standard Variable Rate

      8.00%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.9% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      £500

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Holiday Buy to Let

    70% LTV – Holiday Buy-To-Let Discounted Variable

    Code: HB04

    • Initial Rate

      5.65%

    • Term

      2 years

    • Standard Variable Rate

      8.00%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.7% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Holiday Buy to Let

    3.50% ExPat BTL Discounted Variable

    Code: BL06

    • Initial Rate

      3.50%

    • Term

      2 years

    • Standard Variable Rate

      8.00%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.9% APRC

    Fees & Charges

    • Application Fee

      £100

    • Arrangement Fee

      5% of the advance (can be added but not above 70% LTV) Val fee payable by customer.

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Loyalty Mortgages

    Loyalty BTL 2 Year 2.35% Discounted Variable Rate – 70% LTV

    Code: RT10

    • Initial Rate

      5.65%

    • Term

      2 years

    • Standard Variable Rate

      8.00%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.7% APRC

    Fees & Charges

    • Application Fee

      £0

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balance is repaid each year. 3% of repaid amount for the first two years.

    View Product Details Arrange a Callback
  • Loyalty Mortgages

    Loyalty 2 Year 0.36% Discounted Variable Rate – 90% LTV

    Code: RT09

    • Initial Rate

      5.59%

    • Term

      2 years

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      6.0% APRC

    Fees & Charges

    • Application Fee

      £0

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first two years.

    View Product Details Arrange a Callback
  • Loyalty Mortgages

    Loyalty 2 Year 0.86% Discounted Variable Rate – 80% LTV

    Code: RT08

    • Initial Rate

      5.09%

    • Term

      2 years

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.9% APRC

    Fees & Charges

    • Application Fee

      £0

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first two years.

    View Product Details Arrange a Callback
  • Loyalty Mortgages

    Loyalty 3 Year 1.00% Discounted Variable Rate – 80% LTV

    Code: RT06

    • Initial Rate

      4.95%

    • Term

      3 years

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.8% APRC

    Fees & Charges

    • Application Fee

      £0

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first three years.

    View Product Details Arrange a Callback
  • Loyalty Mortgages

    Loyalty 3 Year 0.50% Discounted Variable Rate – 90% LTV

    Code: RT07

    • Initial Rate

      5.45%

    • Term

      3 years

    • Standard Variable Rate

      5.95%

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      6.00% APRC

    Fees & Charges

    • Application Fee

      £0

    • Arrangement Fee

      None

    • Early Repayment Charges

      Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first three years.

    View Product Details Arrange a Callback

Self-build and renovation

The Stafford 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

Fair Value Assessment

These Fair Value Assessment documents are being provided to you to fulfil our responsibilities under PRIN 2A.4.15R and PRIN 2A.3.12 R (2).

They are designed to support you to comply with your responsibilities under PRIN 2A.3.16 R and PRIN 2A.4.16 R. You are ultimately responsible for meeting your obligations under ‘The Consumer Duty’.

PLEASE NOTE: This information is intended for intermediary use only and should not be provided to clients.