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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 7 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.

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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 5.29% 80% 5.80% Yes
Residential 0.65% Discounted Variable Rate DR56 5.10% 80% 5.80% Yes
Residential 0.21% Discounted Variable Rate (Refurbishment) DR57 5.54% 80% 5.90% Yes
Residential Mixed-Use Discounted Variable Rate DR58 5.74% 80% 6.00% Yes
Early Repayment Charge Free
90% LTV – Variable (Not available for short term borrowing) RSVR 5.75% 90% 6.00% No
Joint Borrower Sole Proprietor
Joint Borrower Sole Proprietor (JBSP) DR55 5.20% 90% 5.40% Yes
Shared Ownership
Shared Ownership for Term DR54 5.20% 90% of share 5.40% Yes
Buy to Let
70% LTV – Buy-To-Let Discounted Variable BL04 5.45% 70% 7.50% Yes
ExPat 70% LTV – Discounted Variable BL05 6.00% 70% 7.70% Yes
ExPat BTL 4.50% Discounted Variable BL06 3.30% 70% 7.70% Yes
Holiday Buy to Let
ExPat 70% LTV – Discounted Variable BL05 6.00% 70% 7.70% Yes
70% LTV – Holiday Buy-To-Let Discounted Variable HB04 5.45% 70% 7.50% Yes
ExPat BTL 4.50% Discounted Variable BL06 3.30% 70% 7.70% Yes
Loyalty Mortgages
Loyalty BTL 2 Year 2.35% Discounted Variable Rate – 70% LTV RT10 5.45% 70% 7.50% Yes
Loyalty 2 Year 0.36% Discounted Variable Rate – 90% LTV RT09 5.39% 90% 5.80% Yes
Loyalty 2 Year 0.86% Discounted Variable Rate – 80% LTV RT08 4.89% 80% 5.70% Yes
Loyalty 3 Year 1.00% Discounted Variable Rate – 80% LTV RT06 4.75% 80% 5.60% Yes
Loyalty 3 Year 0.50% Discounted Variable Rate – 90% LTV RT07 5.25% 90% 5.70% Yes
  • Residential

    Residential 0.46% Discounted Variable Rate

    Code: DR53

    • Initial Rate

      5.29%

    • Term

      2 years

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.80% 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

      5.10%

    • Term

      2 years

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.80% 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

      5.54%

    • Term

      2 years

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.90% 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

      5.74%

    • Term

      2 years

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      6.00% 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

      5.75%

    • Term

      Term

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      6.00% 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

      5.20%

    • Term

      Term

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      5.40% 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

      5.20%

    • Term

      Term

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      90% of share

    • Overall Cost for Comparison

      5.40% 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

      5.45%

    • Term

      2 years

    • Standard Variable Rate

      7.80%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.50% 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

      6.00%

    • Term

      2 years

    • Standard Variable Rate

      7.80%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.70% 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

    ExPat BTL 4.50% Discounted Variable

    Code: BL06

    • Initial Rate

      3.30%

    • Term

      2 years

    • Standard Variable Rate

      7.80%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.70% 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

      6.00%

    • Term

      2 years

    • Standard Variable Rate

      7.80%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.70% 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

      5.45%

    • Term

      2 years

    • Standard Variable Rate

      7.80%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.50% 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

    ExPat BTL 4.50% Discounted Variable

    Code: BL06

    • Initial Rate

      3.30%

    • Term

      2 years

    • Standard Variable Rate

      7.80%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.70% 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

      5.45%

    • Term

      2 years

    • Standard Variable Rate

      7.80%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.50% 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. 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

      5.39%

    • Term

      2 years

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      5.80% 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

      4.89%

    • Term

      2 years

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.70% 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

      4.75%

    • Term

      3 years

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      80%

    • 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 three years.

    View Product Details Arrange a Callback
  • Loyalty Mortgages

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

    Code: RT07

    • Initial Rate

      5.25%

    • Term

      3 years

    • Standard Variable Rate

      5.75%

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      5.70% 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.