Important Notice

Following the Bank of England Base Rate changes, we’ve made some amendments that will affect some of our members.

Click here to read more.

Helping You Move Onwards & Upwards

At The Stafford Building Society, we understand that finding the right mortgage is a crucial step towards achieving your dream of owning your ideal property. With our extensive range of mortgage products and our commitment to exceptional customer service, we are here to guide you through the process and help you make informed decisions.

View our support options

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

More than Mortgages

Whether you’re planning to buy your first home, invest in a buy-to-let property or need a remortgage, our team of qualified mortgage advisors are here to help you through the process. We’re real people, so we understand that scouring through mortgages can be stressful and that choosing the right mortgage for you is important. Armed with a cuppa, a selection of biscuits and our extensive range of mortgage products, we’ll guide you through this exciting time — whether you’re planning to rearrange your finances, make home improvements, or pick up your first set of keys.

With The Stafford, you can expect:

By offering an extensive range of mortgages with competitive interest rates, we’ll ensure you get the best value mortgage.

When you take out a mortgage with us, you can choose a repayment period that works best for you. Giving you the flexibility you need to suit your financial situation.

You’ll always be more than just a member. With The Stafford Building Society, it’s personal. You’ll always deal with the same person throughout your mortgage application. So your friendly, knowledgeable mortgage advisor will get to know you and your situation well and can give you the personalised guidance you need.

You’re a real person, not a robot. So, unlike many that use a computer-based system, at The Stafford Building Society, we’ll judge your mortgage application on its own merit through a manual underwriting process.

As your local building society, we know the Staffordshire area and housing market well. With this specialist knowledge, we’ll give you the tailored advice you need.

You can trust us to provide you with a reliable, transparent mortgage solution. After all, we’ve been helping people to buy homes for over 145 years.

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.

Residential
Residential 0.46% Discounted Variable Rate
Code: DR53
- 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. 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
  
  5.55%
- 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: 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
  
  5.99%
- 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: 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
  
  6.19%
- Term
  
  2 years
- Standard Variable Rate
  
  6.20%
- Maximum Loan to Value
  
  80%
- Overall Cost for Comparison
  
  6.5% 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
  
  6.20%
- Term
  
  Term
- Maximum Loan to Value
  
  90%
- Overall Cost for Comparison
  
  6.4% 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
  
  5.65%
- 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. 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
  
  5.65%
- Term
  
  Term
- Standard Variable Rate
  
  6.20%
- Maximum Loan to Value
  
  90% of share
- Overall Cost for Comparison
  
  5.9% 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 & Holiday 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 & 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
Buy to Let & 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

Compare our Mortgage Products

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

Compare Mortgages

Important Notice

Helping You Move Onwards & Upwards

More than Mortgages

With The Stafford, you can expect:

Our Rates

Flexible Approach

Personalised Service

Manual Underwriting

Local Expertise

Trust & Reliability

Our Mortgage Options

Residential 0.46% Discounted Variable Rate

Initial Rate

Term

Standard Variable Rate

Maximum Loan to Value

Overall Cost for Comparison

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.

Application Fee

Arrangement Fee

Early Repayment Charges

Residential 0.65% Discounted Variable Rate

Initial Rate

Term

Standard Variable Rate

Maximum Loan to Value

Overall Cost for Comparison

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.

Application Fee

Arrangement Fee

Early Repayment Charges

Residential 0.21% Discounted Variable Rate (Refurbishment)

Initial Rate

Term

Standard Variable Rate

Maximum Loan to Value

Overall Cost for Comparison

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.

Application Fee

Arrangement Fee

Early Repayment Charges

Residential Mixed-Use Discounted Variable Rate

Initial Rate

Term

Standard Variable Rate

Maximum Loan to Value

Overall Cost for Comparison

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.

Application Fee

Arrangement Fee

Early Repayment Charges

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

Initial Rate

Term

Maximum Loan to Value

Overall Cost for Comparison

Fees & Charges

Application Fee £0 Arrangement Fee None

Application Fee

Arrangement Fee

Joint Borrower Sole Proprietor (JBSP)

Initial Rate

Term

Standard Variable Rate

Maximum Loan to Value

Overall Cost for Comparison

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.

Application Fee

Arrangement Fee

Early Repayment Charges

Shared Ownership for Term

Initial Rate

Term

Standard Variable Rate

Maximum Loan to Value

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.

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.

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.

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.

Application Fee

£0

Arrangement Fee

None

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.

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.

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.

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.

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.