Important Notice

On 8th May 2025 the Bank of England reduced the Bank Base Rate from 4.50% to 4.25%, a reduction of 0.25%. Because of this, from June 1st, all variable savings rates with the Society will reduce by between 0.25% and 0.35%. Additionally, all variable mortgage rates for standard residential and buy to let mortgages will reduce by 0.25% from July 1st

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Your Mortgage, Your Future - With The Stafford Building Society

At The Stafford Building Society, we know that choosing the right mortgage is one of the biggest financial decisions you’ll make, whether you’re applying for your first time buyer mortgage, exploring a joint ownership mortgage, or looking for competitive mortgages in Staffordshire.

Our team is here to simplify the process, offering straightforward guidance, flexible options, and a range of mortgages tailored to your needs. From discounted variable rates to manual underwriting support, we combine personalised service with local insight to help you take the next confident step on your property journey.

View our Mortgage options

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Looking for the Right Mortgage? Let’s Make It Simple

Whether you’re buying your first home, exploring joint borrower mortgages with family or a partner, or seeking a 70% LTV remortgage to release equity or reduce monthly repayments, our qualified mortgage team are here to support you every step of the way. We know that finding the right mortgage can be overwhelming, especially when weighing up options like discounted variable mortgages. That’s why we make things simple and personal.

Armed with a cuppa, a selection of biscuits, and an extensive range of tailored mortgage products, we’ll help you navigate The Stafford’s options, whether you’re planning to buy-to-let property, restructure your mortgage, or finally pick up the keys to your first home.

Start with Our Mortgage Affordability Calculator

Our quick and easy mortgage affordability calculator gives you an instant estimate of how much you could potentially borrow, based on a few simple details about your income and outgoings. It’s the ideal starting point for anyone comparing joint applications, variable-rate products, or planning for a remortgage at 70% loan-to-value.

Mortgage Affordability Calculator

Prefer a Personal Touch? We Offer That Too

If the calculator’s results don’t reflect your circumstances, perhaps due to complex income or a joint borrower arrangement, our manual underwriting process could still make things work for you. Just get in touch and our friendly team will be happy to help.

Contact us today

Why Choose a Mortgage from The Stafford Building Society?

    Competitive Mortgage Rates

    We offer a wide range of mortgage products with competitive interest rates to help you find great value, whether you’re a first-time buyer, or applying as a joint borrower. Our focus is on delivering mortgages that are affordable, fair, and tailored to your needs.

    Flexible Repayment Options

    Every mortgage journey is different. That’s why we offer flexible repayment terms to suit your budget and lifestyle. Whether you’re planning for the long term or want to repay early, we’ll help structure a solution that could fit your finances.

    Personalised Mortgage Help

    With The Stafford Building Society, you’re never just another application. You’ll be supported by the same dedicated and local mortgage consultant from start to finish. This personal approach means we get to know your circumstances and can offer tailored, informed assistance, especially useful for joint ownership mortgage applications or complex financial situations.

    Human-Led, Manual Underwriting

    We understand that not everyone fits into a standard credit model. That’s why we manually assess every application, looking at your individual circumstances rather than relying on automated decision-making. It’s a more human, considerate way to approve and arrange your mortgage.

    Deep Local Knowledge

    As a proud part of the Staffordshire community, we understand the local property market inside and out. Our local expertise means we can provide grounded, practical mortgage advice, especially for buyers looking for first-time mortgages in Staffordshire or relocating within the region.

    Trusted for Over 145 Years

    Homebuyers have relied on The Stafford Building Society for over a century. Our long-standing commitment to transparency, trust, and mutual support means you can feel confident in every step of your mortgage journey.

Our Mortgage Options

Take the first step towards securing your dream home or remortgage into a new deal by exploring our range of mortgage products and getting in touch with our team today. We look forward to assisting you on your journey to homeownership with The Stafford Mortgages.

Please Note: These rates are effective as of the 1st of July 2025.

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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 5.04% 80% 5.60% Yes
Residential 0.65% Discounted Variable Rate DR56 4.85% 80% 5.60% Yes
Residential 0.16% Discounted Variable Rate DR59 5.34% 90% 5.60% Yes
Mixed Use
Residential Mixed-Use Discounted Variable Rate DR58 5.49% 80% 5.70% Yes
Refurbishment
Residential 0.21% Discounted Variable Rate (Refurbishment) DR57 5.29% 80% 5.70% Yes
Joint Borrower Sole Proprietor
Joint Borrower Sole Proprietor (JBSP) DR55 4.95% 90% 5.10% Yes
Shared Ownership
Shared Ownership for Term DR54 4.95% 90% of share 5.10% Yes
Expat Buy to Let & Holiday Buy to Let
ExPat 70% LTV – Discounted Variable BL05 5.75% 70% 7.40% Yes
70% LTV – Holiday Buy-To-Let Discounted Variable HB04 5.20% 70% 7.30% Yes
ExPat Buy To Let 4.50% Discounted Variable BL06 3.05% 70% 7.40% Yes
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
70% LTV – Buy-To-Let Discounted Variable BL04 5.20% 70% 7.30% Yes
70% LTV – Holiday Buy-To-Let Discounted Variable HB04 5.20% 70% 7.30% Yes
Standard Buy To Let 4.50% Discounted Variable BL06 3.05% 70% 7.40% Yes
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
  • Residential

    Residential 0.46% Discounted Variable Rate

    Code: DR53

    • Initial Rate

      5.04%

    • Term

      2 years

    • Standard Variable Rate

      5.50%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.60% 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

      4.85%

    • Term

      2 years

    • Standard Variable Rate

      5.50%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.60% 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 0.16% Discounted Variable Rate

    Code: DR59

    • Initial Rate

      5.34%

    • Term

      2 years

    • Standard Variable Rate

      5.50%

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      5.60% 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
  • Mixed Use

    Residential Mixed-Use Discounted Variable Rate

    Code: DR58

    • Initial Rate

      5.49%

    • Term

      2 years

    • Standard Variable Rate

      5.50%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.70% 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
  • Refurbishment

    Residential 0.21% Discounted Variable Rate (Refurbishment)

    Code: DR57

    • Initial Rate

      5.29%

    • Term

      2 years

    • Standard Variable Rate

      5.50%

    • Maximum Loan to Value

      80%

    • Overall Cost for Comparison

      5.70% 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: 2% of repaid amount for the first 2 years.

    View Product Details Arrange a Callback
  • Joint Borrower Sole Proprietor

    Joint Borrower Sole Proprietor (JBSP)

    Code: DR55

    • Initial Rate

      4.95%

    • Term

      Term

    • Standard Variable Rate

      5.50%

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      5.10% 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

      4.95%

    • Term

      Term

    • Standard Variable Rate

      5.50%

    • Maximum Loan to Value

      90% of share

    • Overall Cost for Comparison

      5.10% 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
  • Expat Buy to Let & Holiday Buy to Let

    ExPat 70% LTV – Discounted Variable

    Code: BL05

    • Initial Rate

      5.75%

    • Term

      2 years

    • Standard Variable Rate

      7.55%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.40% 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
  • Expat Buy to Let & Holiday Buy to Let

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

    Code: HB04

    • Initial Rate

      5.20%

    • Term

      2 years

    • Standard Variable Rate

      7.55%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.30% 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
  • Expat Buy to Let & Holiday Buy to Let

    ExPat Buy To Let 4.50% Discounted Variable

    Code: BL06

    • Initial Rate

      3.05%

    • Term

      2 years

    • Standard Variable Rate

      7.55%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.40% 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
  • Expat Buy to Let & Holiday Buy to Let

    Expat Holiday Buy To Let 4.50% Discounted Variable

    Code: HB05

    • Initial Rate

      3.05%

    • Term

      2 years

    • Standard Variable Rate

      7.55%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.40% 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
  • Standard Buy to Let and Holiday Buy to Let

    70% LTV – Buy-To-Let Discounted Variable

    Code: BL04

    • Initial Rate

      5.20%

    • Term

      2 years

    • Standard Variable Rate

      7.55%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.30% 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
  • Standard Buy to Let and Holiday Buy to Let

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

    Code: HB04

    • Initial Rate

      5.20%

    • Term

      2 years

    • Standard Variable Rate

      7.55%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.30% 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
  • Standard Buy to Let and Holiday Buy to Let

    Standard Buy To Let 4.50% Discounted Variable

    Code: BL06

    • Initial Rate

      3.05%

    • Term

      2 years

    • Standard Variable Rate

      7.55%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.40% 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
  • Standard Buy to Let and Holiday Buy to Let

    Holiday Buy To Let 4.50% Discounted Variable

    Code: HB05

    • Initial Rate

      3.05%

    • Term

      2 years

    • Standard Variable Rate

      7.55%

    • Maximum Loan to Value

      70%

    • Overall Cost for Comparison

      7.40% 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 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback

Compare our Mortgage Products

Use our easy to use Mortgage Comparison Table to compare the different mortgage products we have available.

Compare Mortgages

Helpful Resources

Mortgage Jargon Buster

Simplifying mortgage terms to help you make informed decisions.

Mortgage Valuation Fees

Understand the cost of assessing your property’s value for mortgage approval.

Tariff of Mortgage Charges

A transparent list of fees and charges you may encounter during your mortgage journey.

Mortgage FAQs

Clarifying your mortgage queries with straightforward answers and guidance.