Temporary pause on new mortgage applications
All of our underwriting is manual and so our DIP process is, too. Just contact us with full details of the application and we’ll consider this for you, referring it if necessary to our daily credit committee meetings of senior decision makers.
We are pausing new mortgage applications from 1 August to 8 September 2025. This gives our teams time to focus on existing cases and maintain our great service.
Thank you for your support and understanding.
If you have any concerns or questions, please contact your Business Development Manager directly.
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 25 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.
Quick Links
| Product Name | Product Code | Initial Rate | Maximum Loan to Value | Overall Cost for Comparison (APRC) | Early Repayment Charge |
|---|---|---|---|---|---|
| Residential | |||||
| (Currently Unavailable) – Residential 0.46% Discounted Variable Rate | DR53 | 5.04% | 80% | 5.60% | Yes |
| (Currently Unavailable) – Residential 0.65% Discounted Variable Rate | DR56 | 4.85% | 80% | 5.60% | Yes |
| (Currently Unavailable) – Residential 0.16% Discounted Variable Rate | DR59 | 5.34% | 90% | 5.60% | Yes |
| Refurbishment | |||||
| (Currently Unavailable) – Residential 0.21% Discounted Variable Rate (Refurbishment) | DR57 | 5.29% | 80% | 5.70% | Yes |
| Mixed Use | |||||
| (Currently Unavailable) – Residential Mixed-Use Discounted Variable Rate | DR58 | 5.49% | 80% | 5.70% | Yes |
| Joint Borrower Sole Proprietor | |||||
| (Currently Unavailable) – Joint Borrower Sole Proprietor (JBSP) | DR55 | 4.95% | 90% | 5.10% | Yes |
| Shared Ownership | |||||
| (Currently Unavailable) – Shared Ownership for Term | DR54 | 4.95% | 90% of share | 5.10% | Yes |
| Expat Buy to Let & Holiday Buy to Let | |||||
| (Currently Unavailable) – ExPat 70% LTV – Discounted Variable | BL05 | 5.75% | 70% | 7.40% | Yes |
| (Currently Unavailable) – 70% LTV – Holiday Buy-To-Let Discounted Variable | HB04 | 5.20% | 70% | 7.30% | Yes |
| (Currently Unavailable) – ExPat Buy To Let 4.50% Discounted Variable | BL06 | 3.05% | 70% | 7.40% | Yes |
| (Currently Unavailable) – Expat Holiday Buy To Let 4.50% Discounted Variable | HB05 | 3.05% | 70% | 7.40% | Yes |
| Standard Buy to Let and Holiday Buy to Let | |||||
| (Currently Unavailable) – 70% LTV – Buy-To-Let Discounted Variable | BL04 | 5.20% | 70% | 7.30% | Yes |
| (Currently Unavailable) – 70% LTV – Holiday Buy-To-Let Discounted Variable | HB04 | 5.20% | 70% | 7.30% | Yes |
| (Currently Unavailable) – Standard Buy To Let 4.50% Discounted Variable | BL06 | 3.05% | 70% | 7.40% | Yes |
| (Currently Unavailable) – Holiday Buy To Let 4.50% Discounted Variable | HB05 | 3.05% | 70% | 7.40% | Yes |
| Loyalty Mortgages | |||||
| Loyalty 3 Year 0.50% Discounted Variable Rate – 90% LTV | RT07 | 5.00% | 90% | 5.50% | Yes |
| Loyalty 3 Year 1.20% Discounted Variable Rate – 80% LTV | RT11 | 4.30% | 80% | 5.30% | Yes |
| Loyalty 2 Year 1.06% Discounted Variable Rate – 80% LTV | RT12 | 4.44% | 80% | 5.40% | Yes |
| Loyalty 2 Year 0.36% Discounted Variable Rate – 90% LTV | RT13 | 5.14% | 90% | 5.60% | Yes |
| Loyalty BTL/HL/Expat 2 Year 2.35% Discounted Variable Rate | RT14 | 5.20% | 70% | 7.20% | Yes |
-
Loyalty Mortgages
Loyalty 3 Year 0.50% Discounted Variable Rate – 90% LTV
Code: RT07-
Initial Rate
5.00%
-
Term
3 years
-
Standard Variable Rate
5.50%
-
Maximum Loan to Value
90%
-
Overall Cost for Comparison
5.50% 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.
-
-
Loyalty Mortgages
Loyalty 3 Year 1.20% Discounted Variable Rate – 80% LTV
Code: RT11-
Initial Rate
4.30%
-
Term
3 years
-
Standard Variable Rate
5.50%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
5.30% 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.
-
-
Loyalty Mortgages
Loyalty 2 Year 1.06% Discounted Variable Rate – 80% LTV
Code: RT12-
Initial Rate
4.44%
-
Term
2 years
-
Standard Variable Rate
5.50%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
5.40% 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.
-
-
Loyalty Mortgages
Loyalty 2 Year 0.36% Discounted Variable Rate – 90% LTV
Code: RT13-
Initial Rate
5.14%
-
Term
2 years
-
Standard Variable Rate
5.50%
-
Maximum Loan to Value
90%
-
Overall Cost for Comparison
5.60% 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.
-
-
Loyalty Mortgages
Loyalty BTL/HL/Expat 2 Year 2.35% Discounted Variable Rate
Code: RT14-
Initial Rate
5.20%
-
Term
2 years
-
Standard Variable Rate
7.55%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.20% 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.
-
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.