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 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.
Table View
Switch Product View
Tab View
Scroll Table
  • Residential

    Residential 0.46% Discounted Variable Rate

    Code: DR48
    • Initial Rate

      5.74%

    • Term

      2 years

    • Standard Variable Rate

      6.20%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      6.3% 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. 3% of repaid amount for the first two years.

  • Residential

    Residential 0.65% Discounted Variable Rate

    Code: DR51
    • Initial Rate

      5.55%

    • Term

      2 years

    • Standard Variable Rate

      6.20%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      6.3% 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.

  • Residential

    Residential 0.21% Discounted Variable Rate (Refurbishment)

    Code: DR52
    • Initial Rate

      5.99%

    • Term

      2 years

    • Standard Variable Rate

      6.20%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      6.4% 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.

  • Early Repayment Charge Free

    90% LTV – Variable

    Code: RSVR
    • Initial Rate

      6.20%

    • Term

      Term

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      6.4% APRC

    Fees & Charges

    • Application Fee

      £0

    • Arrangement Fee

      None

  • Joint Borrower Sole Proprietor

    Joint Borrower Sole Proprietor (JBSP)

    Code: DR50
    • Initial Rate

      5.65%

    • Term

      Term

    • Standard Variable Rate

      6.20%

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      5.8% 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. 3% of repaid amount for the first two years.

  • Shared Ownership

    Shared Ownership for Term

    Code: DR49
    • Initial Rate

      5.65%

    • Term

      Term

    • Standard Variable Rate

      6.20%

    • Maximum Loan to Value

      90% of share

    • Overall Cost for Comparison

      5.8% 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 in Year 1 1% of repaid amount in Year 2

  • Buy to Let & Holiday Buy to Let

    70% LTV – BTL 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.

  • Buy to Let & Holiday Buy to Let

    70% LTV – HBTL 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.

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.